STeer&LeadWisE
ActiveSummary
STeer&LeadWisE has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €307k and a net result of €109k. Its solvency ranks better than 50% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▼-42
Solvency78▼-15
Growth52
Track record82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days only on tighter terms
Liquidity ample (current ratio 2.13 against 3.11 in 2024; short-term debt: 46.9% and cash: 75.6% of total assets), and 46.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
53.1%
Return on assets
18.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 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 · 2 filingsDeviation from the deadline
2025
13 d late
2024
18 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€307k▲ 55.3%
2024 · €198k
2024: €198k
2024 → 2025
Total assets
€579k▲ 99.1%
2024 · €291k
2024: €291k
2024 → 2025
Net result
€109k▼ 43.9%
2024 · €195k
2024: €195k
2024 → 2025
Working capital
€307k▲ 56.7%
2024 · €196k
2024: €196k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€198k-€307k▲ 55.3%
Operating result€269k-€293k▲ 8.9%
Net result€195k-€109k▼ 43.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 9% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €579k
Fixed assets
€442 ▼ 77.8%
Current assets
€578k ▲ 100%
Equity and liabilities €579k
Equity
€307k ▲ 55.3%
Debt
€272k ▲ 193%
Debt's share of the balance-sheet total rises from 31.9% to 46.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€295k▲
2024 · €270k
Cash flow
€111k▼
2024 · €196k
Current ratio
2.13▼
2024 · 3.11
Debt to equity
0.88▲
2024 · 0.47
ROE
35.6%▼
2024 · 98.5%
ROA
18.9%▼
2024 · 67.0%
Interest coverage
1.91▼
2024 · 92.12
Debt ≤ 1 year
€271k▲
2024 · €93k
Income taxes
€31k▼
2024 · €72k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€291k€579k▲
Fixed assets21/28€2k€442▼
Tangible fixed assets22/27€2k€442▼
Furniture and vehicles24€2k€442▼
Current assets29/58€289k€578k▲
Amounts receivable within one year40/41€36k€38k▲
Trade receivables40€36k€38k▲
Cash at bank and in hand54/58€162k€438k▲
Deferred charges and accrued income490/1€91k€103k▲
Equity and liabilities
Total equity and liabilities10/49€291k€579k▲
Equity10/15€198k€307k▲
Contributions10/11€3k€3k=
Outside capital11€3k€3k=
Share premium1100/10€3k€3k=
Reserves13€155k€155k=
Tax-exempt reserves132€55k€55k=
Distributable reserves133€100k€100k=
Profit (loss) carried forward14€40k€150k▲
Amounts payable17/49€93k€272k▲
Amounts payable within one year42/48€93k€271k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€90k€117k▲
Taxes450/3€85k€111k▲
Remuneration and social security454/9€5k€5k=
Other amounts payable47/48€396€152k▲
Accrued charges and deferred income492/3-€100
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€149€106▼
Gross operating margin9900€271k€295k▲
Operating profit (loss)9901€269k€293k▲
Financial income75/76B€150€1k▲
Recurring financial income75€150€1k▲
Financial charges65/66B€3k€155k▲
Recurring financial charges65€3k€155k▲
Profit (loss) for the period before taxes9903€267k€140k▼
Income taxes67/77€72k€31k▼
Profit (loss) for the period9904€195k€109k▼
Transfer to tax-exempt reserves689€55k-
Profit (loss) for the period to be appropriated9905€140k€109k▼
Appropriation of the result
Profit (loss) to be appropriated9906€140k€150k▲
Profit (loss) brought forward from the previous period14P-€40k
Transfer to equity691/2€100k-
To other reserves6921€100k-
The notes to these accounts (3 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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 13 days late
2025
31-12
Financial
Equity above €200kEq €307k ▲55.3%
2 profitable years in a row build equity to €307k.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
07-08
State Gazette act
Board meeting · Director appointment
Permanent representative · Director resignation
07-08
State Gazette act
Board meeting · Director appointment
Permanent representative · Director resignation
07-08
State Gazette act
Board meeting · Director appointment
Permanent representative · Director resignation
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Waremme · 1 establishment unit since 2024
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.
Âs Sih'Tiyou 344300 WaremmeGround area
936 m²
Building footprint
140 m²
Volume, LiDAR
903 m³
Parcel 64074A0442/00T003, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STeer&LeadWisE
since 20242.354.639.465
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64074A0442/00T003 | Wallonia | 936 m² | 1 · 140 m² | 9.1 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.
Structure & network
Connections & network
1 connected companyLinked via shared directors
Shared director
→
Ownership & control
3 board mandatesBoard mandates of this companythis company sits on their board3
Recognitions · licences · registrations
Legal Entity Identifier
254900TWHZ9Y15VB4027
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,005 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
Founded02-01-2024
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.