VERVOERONDERNEMING STEVENS DIRK
ActiveVERVOERONDERNEMING STEVENS DIRK has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €132k and a net result of €-12k. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 93% of 4575 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▼-25
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 8.59 against 7.94 in 2024; short-term debt: 10.1% and cash: 37.3% of total assets), and 10.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 49
Relative position
BE, all sectors
reference
Sector 49
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
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
9 d early
2023
34 d early
2022
28 d late
2021
3 d early
2020
31 d late
2019
13 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€132k▼ 8.1%
2024 · €144k
2018: €49k
2019: €50k
2020: €66k
2021: €107k
2022: €111k
2023: €125k
2024: €144k
2018 → 2025
Total assets
€147k▼ 7.4%
2024 · €159k
2018: €94k
2019: €90k
2020: €80k
2021: €191k
2022: €155k
2023: €136k
2024: €159k
2018 → 2025
Net result
€-12k
2024 · €19k
2018: €8k
2019: €680
2020: €16k
2021: €41k
2022: €3k
2023: €14k
2024: €19k
2018 → 2025
Working capital
€112k▲ 8.4%
2024 · €104k
2018: €17k
2019: €34k
2020: €59k
2021: €-5k
2022: €23k
2023: €62k
2024: €104k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€107k-€111k▲ 3.2%€125k▲ 12.7%€144k▲ 15.6%€132k▼ 8.1%
Operating result€46k-€4k▼ 91.1%€19k▲ 378%€29k▲ 49.7%€-11k
Net result€41k-€3k▼ 91.7%€14k▲ 311%€19k▲ 37.9%€-12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €29k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €147k
Fixed assets
€20k▼ 50.2%
Current assets
€127k▲ 7.2%
Equity and liabilities €147k
Equity
€132k▼ 8.1%
Debt
€15k▼ 0.9%
The debt ratio rises from 9.4% to 10.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€15k▼
2024 · €55k
Cash flow
€14k▼
2024 · €45k
Solvency
89.9%▼
2024 · 90.6%
Current ratio
8.59▲
2024 · 7.94
Quick ratio
8.34▲
2024 · 7.64
Debt / equity
0.11▲
2024 · 0.10
ROE
-8.8%▼
2024 · 13.5%
ROA
-7.9%▼
2024 · 12.2%
Interest coverage
45.72▼
2024 · 177.15
Debt
€15k▼
2024 · €15k
Debt ≤ 1 year
€15k▼
2024 · €15k
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€159k€147k▼
Fixed assets21/28€40k€20k▼
Tangible fixed assets22/27€35k€15k▼
Plant, machinery and equipment23€1k€6k▲
Furniture and vehicles24€34k€9k▼
Financial fixed assets28€5k€5k=
Current assets29/58€119k€127k▲
Stocks and contracts in progress3€4k€4k▼
Stocks30/36€4k€4k▼
Amounts receivable within one year40/41€54k€60k▲
Trade receivables40€31k€29k▼
Other amounts receivable41€23k€31k▲
Cash at bank and in hand54/58€52k€55k▲
Deferred charges and accrued income490/1€9k€9k▲
Equity and liabilities
Total equity and liabilities10/49€159k€147k▼
Equity10/15€144k€132k▼
Contributions10/11€19k€19k=
Reserves13€125k€124k▼
Distributable reserves133€125k€124k▼
Profit (loss) carried forward14-€-10k
Amounts payable17/49€15k€15k▼
Amounts payable within one year42/48€15k€15k▼
Trade debts44€9k€8k▼
Suppliers440/4€9k€8k▼
Taxes, remuneration and social security45€6k€7k▲
Taxes450/3€6k€7k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€26k▲
Other operating charges640/8€18k€15k▼
Gross operating margin9900€73k€30k▼
Operating profit (loss)9901€29k€-11k▼
Financial charges65/66B€308€322▲
Recurring financial charges65€308€322▲
Profit (loss) for the period before taxes9903€29k€-12k▼
Income taxes67/77€9k-
Profit (loss) for the period9904€19k€-12k▼
Profit (loss) for the period to be appropriated9905€19k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€-12k▼
Transfer from equity791/2-€2k
Transfer to equity691/2€19k-
To other reserves6921€19k-
The notes to these accounts (7 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-12k ▼160%
Net result drops to €-12k, the lowest in the series.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 6.71
Current ratio from 1.53 to 6.71; short-term debt falls from €44k to €11k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €41k ▲152%
Operating result €46k, net result €41k, both a record.
31-12
Financial
Equity above €100kEq €107k ▲62.3%
4 profitable years in a row build equity to €107k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 5.10
Current ratio from 1.83 to 5.10; short-term debt falls from €40k to €14k.
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 13 days late
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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 1989
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.
Hooiland 519030 GentGround area
825 m²
Building footprint
173 m²
Volume, LiDAR
852 m³
Parcel 44038A0132/00P000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hooiland 51, 9030 Gent
since 19892.043.770.303
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44038A0132/00P000 | Flanders | 825 m² | 1 · 173 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 533 EUR awarded · 350 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 195 EUR | 195 EUR |
| 2024 | 1 | 338 EUR | 155 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteGent2.043.770.303
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Of 12,606 companies in sector 49410 we hold annual accounts for 8,199. 6,373 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-05-1989
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:transport.stevens.dirk@telenet.be