ToStep
ActiveToStep has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €896. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 67% of 27319 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +42 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability22▲+22
Solvency99▲+1
Growth52=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 4.75 against 5.45 in 2024), and 37% 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
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
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
63%
Return on assets
2.8%
Age of the figures
8 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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
7 d early
2023
26 d early
2022
7 d early
2021
30 d early
2020
8 d early
2019
30 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▲ 4.7%
2024 · €19k
2018: €10k
2019: €11k
2020: €13k
2021: €19k
2022: €19k
2023: €22k
2024: €19k
2018 → 2025
Total assets
€32k▼ 1.7%
2024 · €32k
2018: €19k
2019: €14k
2020: €16k
2021: €21k
2022: €22k
2023: €23k
2024: €32k
2018 → 2025
Net result
€896
2024 · €-3k
2018: €948
2019: €1k
2020: €2k
2021: €6k
2022: €429
2023: €3k
2024: €-3k
2018 → 2025
Working capital
€18k▲ 6.1%
2024 · €17k
2018: €10k
2019: €11k
2020: €13k
2021: €18k
2022: €18k
2023: €22k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€19k▲ 2.3%€22k▲ 16.0%€19k▼ 12.6%€20k▲ 4.7%
Operating result€8k-€809▼ 89.8%€4k▲ 436%€-3k€1k
Net result€6k-€429▼ 92.9%€3k▲ 610%€-3k€896
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1k after a loss of €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €32k
Fixed assets
€9k▼ 22.3%
Current assets
€23k▲ 9.7%
Equity and liabilities €32k
Equity
€20k▲ 4.7%
Debt
€12k▼ 10.8%
The debt ratio falls from 40.8% to 37.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€4k▲
2024 · €-2k
Cash flow
€3k▲
2024 · €-2k
Solvency
63.0%▲
2024 · 59.2%
Current ratio
4.75▼
2024 · 5.45
Quick ratio
4.75▼
2024 · 5.45
Debt / equity
0.59▼
2024 · 0.69
ROE
4.5%▲
2024 · -14.4%
ROA
2.8%▲
2024 · -8.5%
Interest coverage
6.79▲
2024 · -4.81
Debt
€12k▼
2024 · €13k
Debt ≤ 1 year
€5k▲
2024 · €4k
Debt > 1 year
€7k▼
2024 · €9k
Income taxes
€158
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€32k€32k▼
Fixed assets21/28€12k€9k▼
Tangible fixed assets22/27€12k€9k▼
Plant, machinery and equipment23€69-
Furniture and vehicles24€11k€9k▼
Current assets29/58€21k€23k▲
Amounts receivable within one year40/41€18k€14k▼
Trade receivables40€7k€5k▼
Other amounts receivable41€11k€9k▼
Cash at bank and in hand54/58€3k€9k▲
Deferred charges and accrued income490/1€147€749▲
Equity and liabilities
Total equity and liabilities10/49€32k€32k▼
Equity10/15€19k€20k▲
Contributions10/11€15k€15k=
Reserves13€7k€7k=
Distributable reserves133€7k€7k=
Profit (loss) carried forward14€-3k€-2k▲
Amounts payable17/49€13k€12k▼
Amounts payable after more than one year17€9k€7k▼
Financial debts170/4€9k€7k▼
Amounts payable within one year42/48€4k€5k▲
Current portion of amounts payable after more than one year42€2k€2k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45-€687
Taxes450/3-€687
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€878€1k▲
Gross operating margin9900€-862€5k▲
Operating profit (loss)9901€-3k€1k▲
Financial income75/76B€548€396▼
Recurring financial income75€548€396▼
Financial charges65/66B€362€559▲
Recurring financial charges65€362€559▲
Profit (loss) for the period before taxes9903€-3k€1k▲
Income taxes67/77-€158
Profit (loss) for the period9904€-3k€896▲
Profit (loss) for the period to be appropriated9905€-3k€896▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-2k▲
Profit (loss) brought forward from the previous period14P-€-3k
The notes to these accounts (8 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €896
Net result €896 after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-3k ▼191%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 10current ratio 67.23
Current ratio from 6.78 to 67.23; short-term debt falls from €3k to €335.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €6k ▲249%
Operating result €8k, net result €6k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 8.88
Current ratio from 4.40 to 8.88; short-term debt falls from €4k to €2k.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 4.44
Current ratio from 2.11 to 4.44; short-term debt falls from €9k to €3k.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 8 days late
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, Beerse · 1 establishment unit since 2014
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.
Heibergstraat 452340 BeerseGround area
1,621 m²
Building footprint
162 m²
Volume, LiDAR
821 m³
Parcel 13004C0219/00X009, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ToStep
since 20142.233.845.167
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13004C0219/00X009 | Flanders | 1,621 m² | 1 · 162 m² | 7.8 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.
Similar companies · same sector, comparable size
MULDECO
BE 0645.521.043
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Stevens
BE 0539.867.059
Beerse · Eq €20k
VERCRUYSSE - Peinture et Décoration
BE 0888.715.087
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VG PROJECTS
BE 1017.176.642
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Gees Tom
BE 1004.598.910
Erpe-Mere · Eq €20k
Of 7,815 companies in sector 43341 we hold annual accounts for 2,639. 2,035 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-06-2014
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.