Firma Steenacker Fr.
ActiveSummary
Firma Steenacker Fr. has been active since 1960 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €110k and a net result of €19k. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+61
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 17.34 against 23.67 in 2024; short-term debt: 5.7% and cash: 57.2% of total assets), and 5.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 · 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
94.3%
Return on assets
16.5%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 25-03-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
56 d early
2023
89 d early
2022
3 d early
2021
61 d early
2020
17 d early
2019
30 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€110k▲ 19.3%
2024 · €93k
2018: €44k
2019: €57k
2020: €74k
2021: €78k
2022: €82k
2023: €91k
2024: €93k
2018 → 2025
Total assets
€117k▲ 21.2%
2024 · €97k
2018: €48k
2019: €76k
2020: €94k
2021: €91k
2022: €93k
2023: €96k
2024: €97k
2018 → 2025
Net result
€19k▲ 1,130%
2024 · €2k
2018: €7k
2019: €13k
2020: €17k
2021: €3k
2022: €5k
2023: €9k
2024: €2k
2018 → 2025
Working capital
€109k▲ 18.5%
2024 · €92k
2018: €44k
2019: €52k
2020: €69k
2021: €73k
2022: €78k
2023: €90k
2024: €92k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€78k-€82k▲ 5.8%€91k▲ 10.7%€93k▲ 1.7%€110k▲ 19.3%
Operating result€3k-€6k▲ 80.1%€11k▲ 78.6%€393▼ 96.3%€24k▲ 5,899%
Net result€3k-€5k▲ 39.5%€9k▲ 93.0%€2k▼ 82.0%€19k▲ 1,130%
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 5,899% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117k
Fixed assets
€1k ▲ 155%
Current assets
€116k ▲ 20.4%
Equity and liabilities €117k
Equity
€110k ▲ 19.3%
Debt
€7k ▲ 64.3%
Debt's share of the balance-sheet total rises from 4.2% to 5.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€24k▲
2024 · €393
Cash flow
€20k▲
2024 · €2k
Current ratio
17.34▼
2024 · 23.67
Quick ratio
17.19▼
2024 · 23.47
Debt to equity
0.06▲
2024 · 0.04
ROE
17.5%▲
2024 · 1.7%
ROA
16.5%▲
2024 · 1.6%
Interest coverage
55.71▲
2024 · 0.86
Debt ≤ 1 year
€7k▲
2024 · €4k
Income taxes
€7k▲
2024 · €329
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€97k€117k▲
Fixed assets21/28€581€1k▲
Tangible fixed assets22/27-€900
Furniture and vehicles24-€900
Financial fixed assets28€581€581=
Current assets29/58€96k€116k▲
Stocks and contracts in progress3€793€985▲
Stocks30/36€793€985▲
Amounts receivable within one year40/41€45k€47k▲
Trade receivables40€6k€5k▼
Other amounts receivable41€39k€42k▲
Cash at bank and in hand54/58€49k€67k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€97k€117k▲
Equity10/15€93k€110k▲
Contributions10/11€19k€19k=
Reserves13€74k€92k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€74k€92k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€4k€7k▲
Amounts payable within one year42/48€4k€7k▲
Current portion of amounts payable after more than one year42€131€71▼
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€467€2k▲
Taxes450/3€467€2k▲
Other amounts payable47/48-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0€439▲
Other operating charges640/8€1k€992▼
Gross operating margin9900€1k€25k▲
Operating profit (loss)9901€393€24k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€459€431▼
Recurring financial charges65€459€431▼
Profit (loss) for the period before taxes9903€2k€26k▲
Income taxes67/77€329€7k▲
Profit (loss) for the period9904€2k€19k▲
Profit (loss) for the period to be appropriated9905€2k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€19k▲
Transfer to equity691/2€2k€18k▲
To other reserves6921€2k€18k▲
Profit to be distributed694/7-€2k
Directors or managers695-€2k
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
25-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €19k ▲1130%
Operating result €24k, net result €19k, both a record.
30-09
Financial
Equity above €100kEq €110k ▲19.3%
8 profitable years in a row build equity to €110k.
05-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €2k ▼82%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
01-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Liquidity doublescurrent ratio 17.76
Current ratio from 8.03 to 17.76; short-term debt falls from €11k to €5k.
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-03
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
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, Niel · 1 establishment unit since 1960
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.
Matenstraat 112845 NielGround area
488 m²
Building footprint
97 m²
Volume, LiDAR
781 m³
Parcel 11030B0045/00W000, Flanders · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FIRMA STEENACKER FR. BVBA
since 19602.005.250.910
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11030B0045/00W000 | Flanders | 488 m² | 1 · 97 m² | 11.0 m · 3 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
Bezettingswerken Belmans
BE 0784.474.236
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BE 0890.294.704
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CREA FACADE
BE 0759.693.706
Grâce-Hollogne · Eq €110,661
DSB CONSTRUCT
BE 0656.626.751
Sint-Jans-Molenbeek · Eq €109,950
Pleisterwerken Nuyts Roger & Zn
BE 0820.907.634
Vorselaar · Eq €110,875
Of 4,012 companies in sector 43310 we hold annual accounts for 1,745. 1,492 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
Founded01-10-1960
Fiscal year end30-09
Activities, NACEBEL 2025
43310Plastering work
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.