STEVINVEST
ActiveSTEVINVEST has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.14M and a net result of €249k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 66% of 4522 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-9
Solvency83▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150k at 30 days acceptable
Liquidity short (current ratio 0.14 against 0.69 in 2024; short-term debt: 36.6% and cash: 3% of total assets), and 41.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
58.3%
Return on assets
6.8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
28 d early
2023
30 d early
2022
27 d early
2021
26 d early
2020
44 d early
2019
24 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€249k▼ 10.5%
2024 · €278k
2018: €61k
2019: €-8k
2020: €214k
2021: €67k
2022: €254k
2023: €371k
2024: €278k
2018 → 2025
Working capital
€-1.16M▼ 256%
2024 · €-325k
2018: €-585k
2019: €-616k
2020: €-383k
2021: €-529k
2022: €-549k
2023: €-361k
2024: €-325k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.67M-€1.65M▼ 1.7%€1.82M▲ 10.4%€1.89M▲ 4.3%€2.14M▲ 13.1%
Operating result€123k-€114k▼ 7.1%€145k▲ 27.3%€144k▼ 0.5%€105k▼ 27.5%
Net result€67k-€254k▲ 277%€371k▲ 46.0%€278k▼ 25.1%€249k▼ 10.5%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 27% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.67M
Fixed assets
€3.49M▲ 41.9%
Current assets
€185k▼ 74.6%
Equity and liabilities €3.67M
Equity
€2.14M▲ 13.1%
Provisions
€52k▼ 7.9%
Debt
€1.48M▲ 19.7%
The debt ratio rises from 38.8% to 40.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€217k▼
2024 · €258k
Cash flow
€361k▼
2024 · €391k
Solvency
58.3%▼
2024 · 59.5%
Current ratio
0.14▼
2024 · 0.69
Quick ratio
0.14▼
2024 · 0.69
Debt / equity
0.69▲
2024 · 0.65
ROE
11.6%▼
2024 · 14.7%
ROA
6.8%▼
2024 · 8.7%
Interest coverage
5.20▼
2024 · 6.52
Debt
€1.48M▲
2024 · €1.24M
Debt ≤ 1 year
€1.34M▲
2024 · €1.05M
Debt > 1 year
€131k▼
2024 · €180k
Income taxes
€15k▼
2024 · €28k
Staff costs
€86k▲
2024 · €84k
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€3.19M€3.67M▲
Fixed assets21/28€2.46M€3.49M▲
Tangible fixed assets22/27€1.42M€2.45M▲
Land and buildings22€1.04M€2.05M▲
Plant, machinery and equipment23-€58k
Furniture and vehicles24-€4k
Other tangible fixed assets26€375k€343k▼
Financial fixed assets28€1.04M€1.04M=
Current assets29/58€728k€185k▼
Amounts receivable within one year40/41€24k€25k▲
Trade receivables40€24k€24k▼
Other amounts receivable41-€847
Current investments50/53€449k€49k▼
Cash at bank and in hand54/58€253k€111k▼
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€3.19M€3.67M▲
Equity10/15€1.89M€2.14M▲
Contributions10/11€990k€990k=
Capital10€990k€990k=
Issued capital100€990k€990k=
Reserves13€301k€282k▼
Non-distributable reserves130/1€99k€99k=
Legal reserve130€99k€99k=
Tax-exempt reserves132€202k€183k▼
Profit (loss) carried forward14€603k€871k▲
Provisions and deferred taxes16€56k€52k▼
Deferred taxes168€56k€52k▼
Amounts payable17/49€1.24M€1.48M▲
Amounts payable after more than one year17€180k€131k▼
Financial debts170/4€180k€131k▼
Amounts payable within one year42/48€1.05M€1.34M▲
Current portion of amounts payable after more than one year42€49k€49k=
Trade debts44€18k€93k▲
Suppliers440/4€18k€93k▲
Taxes, remuneration and social security45€81k€88k▲
Taxes450/3€60k€74k▲
Remuneration and social security454/9€21k€14k▼
Other amounts payable47/48€905k€1.11M▲
Accrued charges and deferred income492/3€3k€5k▲
Income statement
Code20242025
Remuneration, social security and pensions62€84k€86k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€113k€112k▼
Other operating charges640/8€31k€32k▲
Gross operating margin9900€373k€335k▼
Operating profit (loss)9901€144k€105k▼
Financial income75/76B€197k€196k▼
Recurring financial income75€197k€196k▼
Financial charges65/66B€40k€42k▲
Recurring financial charges65€40k€42k▲
Profit (loss) for the period before taxes9903€302k€259k▼
Transfer from deferred taxes780€4k€4k=
Income taxes67/77€28k€15k▼
Profit (loss) for the period9904€278k€249k▼
Transfer from tax-exempt reserves789€19k€19k=
Profit (loss) for the period to be appropriated9905€297k€268k▼
Appropriation of the result
Profit (loss) to be appropriated9906€803k€871k▲
Profit (loss) brought forward from the previous period14P€507k€603k▲
Profit to be distributed694/7€200k-
Return on contributions (dividend)694€200k-
Social balance
Average headcount (FTE)90871.91.7▼
The notes to these accounts (10 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
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Equity above €2MEq €2.14M ▲13.1%
6 profitable years in a row build equity to €2.14M.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €371k ▲46%
Net result €371k, the highest in the series.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €214k
Net result €214k after one loss-making year.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-8k ▼113%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-06
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
7 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Kalmthout · 1 establishment unit since 1986
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.
Beauvoislaan (Heide) 382920 KalmthoutGround area
1,909 m²
Building footprint
327 m²
Volume, LiDAR
1,506 m³
Parcel 11662E0592/00B023, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STEVINVEST
since 19862.034.624.785
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11662E0592/00B023 | Flanders | 1,909 m² | 1 · 327 m² | 6.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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CHRISTAL INVEST
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Of 7,322 companies in sector 68110 we hold annual accounts for 5,382. 2,598 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded17-03-1986
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
General meetings
1 convocationGeneral meeting
Jaarverslag. Goedkeuring jaarrekening. Bestemming resultaat. Kwijting bestuurders. (AOPC-1-8-03726/20.05)