VAN STEIRTEGHEM
ActiveVAN STEIRTEGHEM has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €175k and a net result of €22k. Equity is shrinking by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 48% of 10050 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
79
/ 100
Excellent▲ +21 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▲+2
Solvency58▲+13
Growth58=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity tight (current ratio 1.07 against 0.89 in 2024), and 64.6% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
35.4%
Return on assets
4.4%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 08-01-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
on the day
2023
43 d early
2022
46 d early
2021
39 d early
2020
33 d early
2019
23 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close08-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€175k▲ 14.2%
2024 · €153k
2019: €190k
2020: €217k
2021: €186k
2022: €191k
2023: €190k
2024: €153k
2019 → 2025
Total assets
€493k▼ 4.3%
2024 · €515k
2019: €608k
2020: €641k
2021: €570k
2022: €491k
2023: €559k
2024: €515k
2019 → 2025
Net result
€22k▲ 17.1%
2024 · €18k
2019: €14k
2020: €27k
2021: €5k
2022: €5k
2023: €-1k
2024: €18k
2019 → 2025
Working capital
€15k
2024 · €-30k
2019: €110k
2020: €101k
2021: €80k
2022: €11k
2023: €-4k
2024: €-30k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€186k-€191k▲ 2.8%€190k▼ 0.7%€153k▼ 19.5%€175k▲ 14.2%
Operating result€16k-€21k▲ 26.1%€14k▼ 31.7%€42k▲ 199%€46k▲ 9.3%
Net result€5k-€5k▼ 1.3%€-1k€18k€22k▲ 17.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 9% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €493k
Fixed assets
€278k▲ 0.5%
Current assets
€215k▼ 9.9%
Equity and liabilities €493k
Equity
€175k▲ 14.2%
Provisions
€25k=
Debt
€293k▼ 13.0%
The debt ratio falls from 65.5% to 59.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€102k▲
2024 · €96k
Cash flow
€78k▲
2024 · €72k
Solvency
35.4%▲
2024 · 29.7%
Current ratio
1.07▲
2024 · 0.89
Quick ratio
0.52▲
2024 · 0.40
Debt / equity
1.68▼
2024 · 2.20
ROE
12.4%▲
2024 · 12.1%
ROA
4.4%▲
2024 · 3.6%
Interest coverage
7.80▲
2024 · 5.69
Debt
€293k▼
2024 · €337k
Debt ≤ 1 year
€201k▼
2024 · €269k
Debt > 1 year
€91k▲
2024 · €62k
Income taxes
€13k▲
2024 · €8k
Staff costs
€64k▲
2024 · €61k
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€515k€493k▼
Fixed assets21/28€276k€278k▲
Tangible fixed assets22/27€261k€263k▲
Land and buildings22€91k€83k▼
Plant, machinery and equipment23€98k€82k▼
Furniture and vehicles24€72k€74k▲
Leasing and similar rights25-€25k
Financial fixed assets28€15k€15k=
Current assets29/58€239k€215k▼
Stocks and contracts in progress3€131k€111k▼
Stocks30/36€131k€111k▼
Amounts receivable within one year40/41€65k€78k▲
Trade receivables40€64k€64k▲
Other amounts receivable41€1k€14k▲
Cash at bank and in hand54/58€35k€14k▼
Deferred charges and accrued income490/1€7k€12k▲
Equity and liabilities
Total equity and liabilities10/49€515k€493k▼
Equity10/15€153k€175k▲
Contributions10/11€6k€6k=
Reserves13€147k€168k▲
Tax-exempt reserves132€242€242=
Distributable reserves133€146k€168k▲
Provisions and deferred taxes16€25k€25k=
Provisions for liabilities and charges160/5€25k€25k=
Environmental obligations163€25k€25k=
Amounts payable17/49€337k€293k▼
Amounts payable after more than one year17€62k€91k▲
Financial debts170/4€62k€91k▲
Amounts payable within one year42/48€269k€201k▼
Current portion of amounts payable after more than one year42€15k€23k▲
Financial debts43€124k€110k▼
Credit institutions430/8€124k€110k▼
Trade debts44€111k€51k▼
Suppliers440/4€111k€51k▼
Taxes, remuneration and social security45€17k€17k▼
Taxes450/3€13k€10k▼
Remuneration and social security454/9€4k€6k▲
Other amounts payable47/48€2k-
Accrued charges and deferred income492/3€6k€1k▼
Income statement
Code20242025
Non-recurring operating income76A€25k€17k▼
Remuneration, social security and pensions62€61k€64k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€56k▲
Other operating charges640/8€5k€6k▲
Gross operating margin9900€161k€172k▲
Operating profit (loss)9901€42k€46k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€17k€13k▼
Recurring financial charges65€17k€13k▼
Profit (loss) for the period before taxes9903€26k€34k▲
Income taxes67/77€8k€13k▲
Profit (loss) for the period9904€18k€22k▲
Profit (loss) for the period to be appropriated9905€18k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€22k▲
Transfer from equity791/2€56k-
Transfer to equity691/2€18k€22k▲
To other reserves6921€18k€22k▲
Profit to be distributed694/7€56k-
Return on contributions (dividend)694€56k-
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (19 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
08-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-06
Financial
Weakest financial yearnet €-1k ▼124%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
2022
16-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
29-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Highest result since 2019net €27k ▲90.2%
Net result €27k, the highest in the series.
30-06
Financial
Equity above €200kEq €217k ▲14.4%
2 profitable years in a row build equity to €217k.
08-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
14-12
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 2023
VAN STEIRTEGHEM Tom
CurrentDirector · since 26-05-2023
26-05-2023
Appointed as Director
Location & real-estate footprint
Registered office, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2006
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.
Aven Ackers(VER) 119130 Beveren-Kruibeke-ZwijndrechtGround area
114 m²
Parcel 46027B0161/00F000, Flanders. Linked by address, not a title deed.
1 establishment unit
GARAGE MODERNE
since 20062.157.028.689
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46027B0161/00F000 | Flanders | 113 m² | - | - |
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
VAN HOVE MOBIEL
BE 0404.060.230
Lier · Eq €175k
AUTO'S kurt
BE 0475.433.622
Kampenhout · Eq €175k
DBRENT
BE 0444.750.443
Opwijk · Eq €174k
CARROSSERIE DE SLOOVER
BE 0807.861.530
Aalter · Eq €174k
OSER POUR ETRE
BE 0867.861.968
Brussel · Eq €174k
Of 10,624 companies in sector 47811 we hold annual accounts for 5,187. 3,710 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-10-2006
Fiscal year end30-06
Activities, NACEBEL
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50200
47812Retail trade
47820Retail sale of motor vehicle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.