STEVIN CONSULT
ActiveSTEVIN CONSULT has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42k and a net result of €23k. Equity is growing by ~21.1% per year across the filed fiscal years. Its solvency ranks better than 59% of 11165 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+30
Solvency96▲+22
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.02 against 3.59 in 2024), and 46.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-09-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
17 d early
2023
41 d early
2022
9 d late
2021
32 d early
2020
2 d early
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close13-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€42k▲ 121%
2024 · €19k
2019: €3k
2020: €6k
2021: €22k
2022: €13k
2023: €16k
2024: €19k
2019 → 2025
Total assets
€78k▲ 35.9%
2024 · €58k
2019: €84k
2020: €41k
2021: €62k
2022: €50k
2023: €54k
2024: €58k
2019 → 2025
Net result
€23k▲ 756%
2024 · €3k
2019: €21k
2020: €4k
2021: €16k
2022: €-10k
2023: €8k
2024: €3k
2019 → 2025
Working capital
€23k▼ 35.6%
2024 · €35k
2019: €26k
2020: €35k
2021: €47k
2022: €23k
2023: €30k
2024: €35k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€13k▼ 43.9%€16k▲ 28.4%€19k▲ 16.4%€42k▲ 121%
Operating result€21k-€-7k€10k€4k▼ 58.3%€35k▲ 770%
Net result€16k-€-10k€8k€3k▼ 67.1%€23k▲ 756%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 770% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78k
Fixed assets
€44k▲ 418%
Current assets
€34k▼ 30.6%
Equity and liabilities €78k
Equity
€42k▲ 121%
Debt
€37k▼ 5.2%
The debt ratio falls from 67.3% to 46.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€46k▲
2024 · €7k
Cash flow
€33k▲
2024 · €5k
Solvency
53.1%▲
2024 · 32.7%
Current ratio
3.02▼
2024 · 3.59
Quick ratio
2.77▼
2024 · 3.48
Debt / equity
0.88▼
2024 · 2.06
ROE
54.7%▲
2024 · 14.1%
ROA
29.0%▲
2024 · 4.6%
Interest coverage
291.73▲
2024 · 45.07
Debt
€37k▼
2024 · €39k
Debt ≤ 1 year
€11k▼
2024 · €14k
Debt > 1 year
€25k=
2024 · €25k
Income taxes
€12k▲
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€58k€78k▲
Fixed assets21/28€9k€44k▲
Tangible fixed assets22/27€9k€44k▲
Furniture and vehicles24€9k€44k▲
Current assets29/58€49k€34k▼
Stocks and contracts in progress3€1k€3k▲
Stocks30/36€1k€3k▲
Amounts receivable within one year40/41€42k€10k▼
Trade receivables40€17k€6k▼
Other amounts receivable41€25k€4k▼
Cash at bank and in hand54/58€5k€21k▲
Deferred charges and accrued income490/1€638€629▼
Equity and liabilities
Total equity and liabilities10/49€58k€78k▲
Equity10/15€19k€42k▲
Contributions10/11€63k€63k=
Capital10€63k€63k=
Issued capital100€63k€63k=
Reserves13€5k€28k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€3k€26k▲
Profit (loss) carried forward14€-49k€-49k=
Amounts payable17/49€39k€37k▼
Amounts payable after more than one year17€25k€25k=
Financial debts170/4€25k€25k=
Amounts payable within one year42/48€14k€11k▼
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€1k-
Taxes450/3€1k-
Other amounts payable47/48€9k€7k▼
Accrued charges and deferred income492/3€95€484▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€11k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-8k
Other operating charges640/8€927€10k▲
Gross operating margin9900€8k€48k▲
Operating profit (loss)9901€4k€35k▲
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€151€157▲
Recurring financial charges65€151€157▲
Profit (loss) for the period before taxes9903€4k€35k▲
Income taxes67/77€1k€12k▲
Profit (loss) for the period9904€3k€23k▲
Profit (loss) for the period to be appropriated9905€3k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-49k€-26k▲
Profit (loss) brought forward from the previous period14P€-51k€-49k▲
Transfer to equity691/2-€23k
To other reserves6921-€23k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €23k ▲756%
Operating result €35k, net result €23k, both a record.
2024
14-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
20-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
2022
09-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
31-03
Financial
Weakest financial yearnet €-10k ▼161%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Liquidity times 6current ratio 8.70
Current ratio from 1.56 to 8.70; short-term debt falls from €46k to €5k.
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
22-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
22-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
Marianne Buyse
CurrentNon-statutory director · since 24-10-2024
24-10-2024
Appointed as Non-statutory director
Location & real-estate footprint
Registered office, Sint-Niklaas · 1 establishment unit since 1998
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Jef De Pauwstraat 199100 Sint-NiklaasGround area
1.1 ha
Building footprint
535 m²
Volume, LiDAR
3,235 m³
2 parcels, Flanders · tallest building 21.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Prinses Jos.-Charlottelaan 3, 9100 Sint-Niklaas
since 19982.040.067.178
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46446F0352/00C000 | Flanders | 1.1 ha | 1 · 411 m² | 21.0 m · 2 fl. |
| 46444D0625/00V003 | Flanders | 385 m² | 1 · 124 m² | 11.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
TIS-DOMOTICA
BE 0741.475.819
Sint-Niklaas · Eq €42k
TX BENELUX
BE 0479.479.116
La Louvière · Eq €41k
EXEL
BE 0443.960.981
Mechelen · Eq €42k
Build Evolution
BE 0822.583.061
Brussel · Eq €42k
Marnix Cnockaert en zoon
BE 0832.240.303
Gavere · Eq €42k
Of 970 companies in sector 46431 we hold annual accounts for 698. 386 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded31-08-1988
Fiscal year end31-03
Activities, NACEBEL
46431Wholesale of electrical household appliances and audio-video equipment
47540Retail sale of electrical household appliances
52450
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.