VLADIMIR STEURS
ActiveSummary
The computed 12-month bankruptcy probability of VLADIMIR STEURS is 1.7% (moderate). The 2025 annual accounts show equity of €96k and a net result of €38k. Equity is growing by ~48.4% per year across the filed fiscal years. Its solvency ranks better than 57% of 7453 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+4
Solvency76▼-5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.01 against 2.21 in 2024; short-term debt: 49.1% and cash: 8.7% of total assets), and 49.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
50.5%
Return on assets
20%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 04-02-2026, 4 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
4 d late
2024
9 d late
2023
on the day
2022
5 d early
2021
3 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€96k▲ 65.2%
2024 · €58k
2021: €20k
2022: €26k
2023: €43k
2024: €58k
2021 → 2025
Total assets
€190k▲ 82.9%
2024 · €104k
2021: €38k
2022: €81k
2023: €104k
2024: €104k
2021 → 2025
Net result
€38k▲ 154%
2024 · €15k
2021: €15k
2022: €6k
2023: €17k
2024: €15k
2021 → 2025
Working capital
€94k▲ 72.7%
2024 · €54k
2021: €14k
2022: €22k
2023: €39k
2024: €54k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€26k▲ 27.3%€43k▲ 68.1%€58k▲ 34.5%€96k▲ 65.2%
Operating result€19k-€10k▼ 48.1%€25k▲ 150%€23k▼ 8.7%€65k▲ 184%
Net result€15k-€6k▼ 63.7%€17k▲ 217%€15k▼ 14.7%€38k▲ 154%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 184% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €190k
Fixed assets
€3k ▼ 38.4%
Current assets
€187k ▲ 88.3%
Equity and liabilities €190k
Equity
€96k ▲ 65.2%
Debt
€94k ▲ 105%
Debt's share of the balance-sheet total rises from 44.0% to 49.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€67k▲
2024 · €25k
Cash flow
€40k▲
2024 · €18k
Current ratio
2.01▼
2024 · 2.21
Quick ratio
1.97▲
2024 · 1.88
Debt to equity
0.98▲
2024 · 0.79
ROE
39.5%▲
2024 · 25.7%
ROA
20.0%▲
2024 · 14.4%
Interest coverage
5.71▼
2024 · 6.87
Debt ≤ 1 year
€93k▲
2024 · €45k
Income taxes
€15k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€104k€190k▲
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€99k€187k▲
Amounts receivable after more than one year29€20k€27k▲
Other amounts receivable291€20k€27k▲
Stocks and contracts in progress3€15k€3k▼
Stocks30/36€4k€3k▼
Contracts in progress37€11k-
Amounts receivable within one year40/41€48k€138k▲
Trade receivables40€36k€99k▲
Other amounts receivable41€12k€39k▲
Cash at bank and in hand54/58€15k€16k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€104k€190k▲
Equity10/15€58k€96k▲
Contributions10/11€5k€5k=
Reserves13€53k€91k▲
Distributable reserves133€53k€91k▲
Amounts payable17/49€46k€94k▲
Amounts payable within one year42/48€45k€93k▲
Trade debts44€37k€72k▲
Suppliers440/4€37k€72k▲
Taxes, remuneration and social security45€7k€21k▲
Taxes450/3€5k€21k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€945€582▼
Accrued charges and deferred income492/3€720€720=
Income statement
Code20242025
Non-recurring operating income76A-€496
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€6k€6k▼
Gross operating margin9900€32k€73k▲
Operating profit (loss)9901€23k€65k▲
Financial income75/76B€169€271▲
Recurring financial income75€169€271▲
Financial charges65/66B€4k€12k▲
Recurring financial charges65€4k€12k▲
Profit (loss) for the period before taxes9903€19k€53k▲
Income taxes67/77€4k€15k▲
Profit (loss) for the period9904€15k€38k▲
Profit (loss) for the period to be appropriated9905€15k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€38k▲
Transfer to equity691/2€15k€38k▲
To other reserves6921€15k€38k▲
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
Next filing, fiscal year 2026, expected by
2026
04-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
30-06
Financial
Highest result since 2021net €38k ▲154%
Operating result €65k, net result €38k, both a record.
09-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 9 days late
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €6k ▼63.7%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Hoegaarden · 1 establishment unit since 2019
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.
Klein Overlaar 803320 HoegaardenGround area
2,582 m²
Building footprint
360 m²
Volume, LiDAR
2,064 m³
2 parcels, Flanders · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Hoogstraat 8, 3321 Hoegaarden
since 20192.291.624.406
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24041C0172/00E000 | Flanders | 2,280 m² | 1 · 209 m² | 12.2 m · 3 fl. |
| 24087E0259/00C000 | Flanders | 302 m² | 1 · 151 m² | 8.1 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
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BE 0479.146.148
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SALVE
BE 0464.039.882
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22 Construct
BE 0758.922.456
Antwerpen · Eq €95,903
EASY'GO WOOD
BE 0731.876.381
Braine-le-Comte · Eq €95,928
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,168 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-07-2019
Fiscal year end30-06
Activities, NACEBEL 2025
41001General construction of residential buildings
43310Plastering work
43320Joinery installation
43990Other specialised construction activities
47529Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.