STIJN STEVENS
ActiveFor STIJN STEVENS, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €26k and a net result of €12k. Equity is growing by ~53% per year across the filed fiscal years. Its solvency ranks better than 17% of 33685 sector peers (fiscal year 2023). The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability54▼-17
Solvency39▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2023Solvency, return and age of the figures
Solvency
14%
Return on assets
6.5%
Age of the figures
33 mo
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline18-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 31-12-2024, 153 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
153 d late
2022
18 d late
2020
30 d late
2019
153 d late
2018
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Equity
€26k▲ 87.4%
2022 · €14k
2018: €-4k
2019: €-13k
2020: €-14k
2022: €14k
2018 → 2023
Total assets
€189k▲ 2.3%
2022 · €185k
2018: €187
2019: €187
2020: €187
2022: €185k
2018 → 2023
Net result
€12k▲ 211%
2022 · €4k
2018: €-23k
2019: €-9k
2020: €-2k
2022: €4k
2018 → 2023
Working capital
€61k▲ 22.5%
2022 · €50k
2018: €-4k
2019: €-13k
2020: €-14k
2022: €50k
2018 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20182019202020222023Trend
Equity€-4k-€-13k▼ 236%€-14k▼ 12.1%€14k€26k▲ 87.4%
Operating result€-23k-€-7k▲ 71.0%€-2k▲ 77.1%€4k€12k▲ 198%
Net result€-23k-€-9k▲ 61.4%€-2k▲ 82.8%€4k€12k▲ 211%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2023; 2023 is 198% above 2022 and is the highest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €189k
Fixed assets
€77k▼ 15.0%
Current assets
€112k▲ 18.8%
Equity and liabilities €189k
Equity
€26k▲ 87.4%
Debt
€162k▼ 4.8%
The debt ratio falls from 92.4% to 86.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27k▲
2022 · €19k
Cash flow
€27k▲
2022 · €19k
Solvency
14.0%▲
2022 · 7.6%
Current ratio
2.21▲
2022 · 2.13
Quick ratio
2.13▲
2022 · 2.04
Debt / equity
6.14▼
2022 · 12.07
ROE
46.6%▲
2022 · 28.1%
ROA
6.5%▲
2022 · 2.2%
Interest coverage
-120.12▼
2022 · 91.84
Debt
€162k▼
2022 · €171k
Debt ≤ 1 year
€51k▲
2022 · €44k
Debt > 1 year
€112k▼
2022 · €126k
Income taxes
€260
Staff costs
€13k▼
2022 · €49k
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€185k€189k▲
Fixed assets21/28€90k€77k▼
Tangible fixed assets22/27€90k€77k▼
Land and buildings22€2k€1k▼
Plant, machinery and equipment23€89k€75k▼
Current assets29/58€94k€112k▲
Stocks and contracts in progress3€4k€4k▲
Stocks30/36€4k€4k▲
Amounts receivable within one year40/41€90k€106k▲
Trade receivables40€87k€100k▲
Other amounts receivable41€2k€6k▲
Cash at bank and in hand54/58€39€464▲
Deferred charges and accrued income490/1€885€2k▲
Equity and liabilities
Total equity and liabilities10/49€185k€189k▲
Equity10/15€14k€26k▲
Contributions10/11€50k€50k=
Reserves13€15k€15k=
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Tax-exempt reserves132€2k€2k=
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€-50k€-38k▲
Amounts payable17/49€171k€162k▼
Amounts payable after more than one year17€126k€112k▼
Financial debts170/4€126k€112k▼
Amounts payable within one year42/48€44k€51k▲
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€41k€46k▲
Suppliers440/4€41k€46k▲
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3-€296
Remuneration and social security454/9€3k€2k▼
Income statement
Code20222023
Remuneration, social security and pensions62€49k€13k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▲
Other operating charges640/8€1k€3k▲
Non-recurring operating charges66A-€126
Gross operating margin9900€70k€43k▼
Operating profit (loss)9901€4k€12k▲
Financial income75/76B€55€83▲
Recurring financial income75€55€83▲
Financial charges65/66B€209€-228▼
Recurring financial charges65€209€-228▼
Profit (loss) for the period before taxes9903€4k€13k▲
Income taxes67/77-€260
Profit (loss) for the period9904€4k€12k▲
Profit (loss) for the period to be appropriated9905€4k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-50k€-38k▲
Profit (loss) brought forward from the previous period14P€-54k€-50k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 153 days late
2023
31-12
Financial
Highest result since 2018net €12k ▲211%
Operating result €12k, net result €12k, both a record.
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-12
Financial
Back to profitnet €4k
Net result €4k after 3 loss-making years.
31-12
Financial
Liquidity times 164current ratio 2.13
Current ratio from 0.01 to 2.13.
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 153 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
2016
29-11
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 121 days late
2015
30-09
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 61 days late
2014
27-08
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Lochristi · 1 establishment unit since 1997
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.
Bastelare 1009080 LochristiGround area
1,044 m²
Building footprint
142 m²
Volume, LiDAR
703 m³
Parcel 44077B0863/00H000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stijn Stevens
since 19972.083.955.423
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44077B0863/00H000 | Flanders | 1,044 m² | 1 · 142 m² | 7.7 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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Of 7,862 companies in sector 43341 we hold annual accounts for 2,664. 2,175 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-08-1997
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 24 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.