STIEP
ActiveSTIEP has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100 and a net result of €35k. Equity is shrinking by ~30.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 29% of 4559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
65
/ 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
Profitability100=
Solvency25▼-13
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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
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
0.1%
Return on assets
41%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-03-2026, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
37 d early
2023
43 d early
2022
30 d early
2021
33 d early
2020
32 d early
2019
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€100▼ 99.2%
2024 · €12k
2018: €78k
2019: €69k
2020: €64k
2021: €41k
2022: €28k
2023: €32k
2024: €12k
2018 → 2025
Total assets
€85k▼ 7.3%
2024 · €92k
2018: €148k
2019: €223k
2020: €186k
2021: €165k
2022: €129k
2023: €108k
2024: €92k
2018 → 2025
Net result
€35k▲ 21.8%
2024 · €29k
2018: €4k
2019: €-2k
2020: €-5k
2021: €-8k
2022: €3k
2023: €5k
2024: €29k
2018 → 2025
Working capital
€-25k▼ 165%
2024 · €-9k
2018: €18k
2019: €670
2020: €22k
2021: €9k
2022: €-3k
2023: €4k
2024: €-9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€28k▼ 31.2%€32k▲ 14.9%€12k▼ 61.3%€100▼ 99.2%
Operating result€-4k-€5k€10k▲ 79.7%€38k▲ 287%€46k▲ 20.6%
Net result€-8k-€3k€5k▲ 90.6%€29k▲ 479%€35k▲ 21.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €85k
Fixed assets
€29k▼ 10.2%
Current assets
€56k▼ 5.7%
Equity and liabilities €85k
Equity
€100▼ 99.2%
Debt
€85k▲ 7.1%
The debt ratio rises from 86.5% to 99.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€50k▼
2024 · €51k
Cash flow
€40k▼
2024 · €42k
Solvency
0.1%▼
2024 · 13.5%
Current ratio
0.70▼
2024 · 0.86
Quick ratio
0.62▼
2024 · 0.76
ROA
41.0%▲
2024 · 31.2%
Interest coverage
53.66▲
2024 · 34.27
Debt
€85k▲
2024 · €79k
Debt ≤ 1 year
€81k▲
2024 · €69k
Debt > 1 year
€3k▼
2024 · €9k
Income taxes
€10k▲
2024 · €8k
Staff costs
€192k▲
2024 · €167k
Equity ratios withheld: equity of €100 is too small for a meaningful ratio.
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€92k€85k▼
Fixed assets21/28€32k€29k▼
Tangible fixed assets22/27€32k€29k▼
Plant, machinery and equipment23€2k€2k▲
Furniture and vehicles24€458€292▼
Other tangible fixed assets26€30k€26k▼
Current assets29/58€60k€56k▼
Stocks and contracts in progress3€7k€6k▼
Stocks30/36€7k€6k▼
Amounts receivable within one year40/41€4k€4k▼
Trade receivables40€1k€470▼
Other amounts receivable41€3k€3k▲
Cash at bank and in hand54/58€44k€42k▼
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€92k€85k▼
Equity10/15€12k€100▼
Contributions10/11€12k€100▼
Amounts payable17/49€79k€85k▲
Amounts payable after more than one year17€9k€3k▼
Financial debts170/4€9k€3k▼
Amounts payable within one year42/48€69k€81k▲
Current portion of amounts payable after more than one year42€6k€6k▼
Trade debts44€9k€8k▼
Suppliers440/4€9k€8k▼
Taxes, remuneration and social security45€19k€32k▲
Taxes450/3€11k€11k▲
Remuneration and social security454/9€9k€21k▲
Other amounts payable47/48€35k€35k▼
Accrued charges and deferred income492/3€2k€906▼
Income statement
Code20242025
Remuneration, social security and pensions62€167k€192k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€5k▼
Other operating charges640/8€939€1k▲
Gross operating margin9900€219k€244k▲
Operating profit (loss)9901€38k€46k▲
Financial income75/76B€442€320▼
Recurring financial income75€442€320▼
Financial charges65/66B€1k€937▼
Recurring financial charges65€1k€937▼
Profit (loss) for the period before taxes9903€37k€45k▲
Income taxes67/77€8k€10k▲
Profit (loss) for the period9904€29k€35k▲
Profit (loss) for the period to be appropriated9905€29k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€29k€35k▲
Transfer from equity791/2€20k-
Profit to be distributed694/7€48k€35k▼
Return on contributions (dividend)694€48k€35k▼
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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €35k ▲21.8%
Operating result €46k, net result €35k, both a record.
24-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €3k
Net result €3k after 3 loss-making years.
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-04
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
4 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, Gent · 1 establishment unit since 2007
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.
Nederkouter 1329000 GentGround area
83 m²
Building footprint
83 m²
Volume, LiDAR
1,342 m³
Parcel 44805E1046/00G000, Flanders · tallest building 17.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Kreatos
since 20072.163.216.695
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44805E1046/00G000 | Flanders | 83 m² | 1 · 83 m² | 17.9 m · 5 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.
Recognitions · licences · registrations
Dual-learning approval
4 endedSimilar companies · same sector, comparable size
CARRE V.I.P.
BE 0700.575.768
Liège · Eq €97
TRAIMES
BE 0707.845.325
Koekelberg · Eq €105
H 53
BE 0756.684.429
Genk · Eq €90
OCHKA
BE 0772.481.274
Soumagne · Eq €87
KSF
BE 0719.857.190
Liège · Eq €85
Of 21,751 companies in sector 96210 we hold annual accounts for 2,826. 178 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-06-2007
Fiscal year end30-09
Activities, NACEBEL
93021
96021Hairdressing
96210Hairdressing and barber services
47750Retail sale of cosmetics and toilet articles
47784Retail sale of souvenirs and religious articles
47786Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.