Gebrüder STEFFENS

Active

Private limited companyfounded 199828 yrs activeGospertstrasse 35, 4700 Eupen, BelgiumKBO/BCE: BE 0463.625.059

Summary

Gebrüder STEFFENS has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67k and a net result of €-4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. The computed 12-month bankruptcy probability is 0.7% (low).

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Checked score

Score 2025

60 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability68▼-9

Solvency32▼-7

Growth52▼-26

Track record100

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €4k at 30 days acceptable

Liquidity tight (current ratio 1.22 against 1.8 in 2024; short-term debt: 6.4% and cash: 0.9% of total assets), and 92.6% of the assets are financed with debt.

How do we compute the score and the probability?

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

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

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 →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 09-04-2026, 21 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

21 d early

2024

48 d early

2023

26 d early

2022

34 d early

2021

30 d early

2020

35 d early

2019

35 d early

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

24-09-2026 today30-09-2026 close30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, unclassified schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€-4k

2024 · €31k

2018: €12k 2019: €-3k 2020: €8k 2021: €7k 2022: €10k 2023: €35k 2024: €31k

2018 → 2025

Working capital

€13k▼ 82.3%

2024 · €73k

2018: €-28k 2019: €-37k 2020: €-33k 2021: €-3k 2022: €18k 2023: €51k 2024: €73k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€-5k-€5k€40k▲ 760%€71k▲ 79.2%€67k▼ 5.3%

Operating result€21k-€23k▲ 10.3%€58k▲ 154%€59k▲ 1.4%€3k▼ 94.9%

Net result€7k-€10k▲ 48.0%€35k▲ 248%€31k▼ 10.4%€-4k

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 95% below 2024 and is the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €909k

92.2%

Fixed assets €838k ▲ 155%

Current assets €71k ▼ 57.0%

Equity and liabilities €909k

92.1%

Equity €67k ▼ 5.3%

Provisions €5k ▼ 17.8%

Debt €837k ▲ 101%

Debt's share of the balance-sheet total rises from 84.5% to 92.1%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€77k▼

2024 · €105k

Cash flow

€70k▼

2024 · €78k

Current ratio

1.22▼

2024 · 1.80

Quick ratio

1.18▼

2024 · 1.77

Debt to equity

12.44▲

2024 · 5.87

ROE

-5.6%▼

2024 · 44.2%

ROA

-0.4%▼

2024 · 6.4%

Interest coverage

9.06▼

2024 · 9.86

Debt ≤ 1 year

€58k▼

2024 · €92k

Debt > 1 year

€779k▲

2024 · €325k

Income taxes

€1k▼

2024 · €19k

Staff costs

€52k▲

2024 · €50k

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 · 55 lines

Balance sheet Code20242025

Assets

Total assets20/58€494k€909k▲

Fixed assets21/28€328k€838k▲

Tangible fixed assets22/27€328k€838k▲

Land and buildings22€297k€811k▲

Plant, machinery and equipment23€5k€3k▼

Furniture and vehicles24€27k€24k▼

Current assets29/58€165k€71k▼

Stocks and contracts in progress3€3k€3k=

Stocks30/36€3k€3k=

Amounts receivable within one year40/41€1k€10k▲

Trade receivables40€1k-

Other amounts receivable41-€10k

Current investments50/53€153k€48k▼

Cash at bank and in hand54/58€6k€8k▲

Deferred charges and accrued income490/1€2k€2k▼

Equity and liabilities

Total equity and liabilities10/49€494k€909k▲

Equity10/15€71k€67k▼

Contributions10/11€7k€7k=

Reserves13€103k€100k▼

Tax-exempt reserves132€17k€14k▼

Distributable reserves133€86k€86k=

Profit (loss) carried forward14€-38k€-39k▼

Provisions and deferred taxes16€6k€5k▼

Deferred taxes168€6k€5k▼

Amounts payable17/49€417k€837k▲

Amounts payable after more than one year17€325k€779k▲

Financial debts170/4€325k€299k▼

Other amounts payable178/9-€480k

Amounts payable within one year42/48€92k€58k▼

Current portion of amounts payable after more than one year42€25k€26k▲

Trade debts44€36k€18k▼

Suppliers440/4€36k€18k▼

Taxes, remuneration and social security45€24k€3k▼

Taxes450/3€16k€1k▼

Remuneration and social security454/9€7k€2k▼

Other amounts payable47/48€7k€11k▲

Income statement Code20242025

Remuneration, social security and pensions62€50k€52k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€74k▲

Other operating charges640/8€9k€9k▲

Gross operating margin9900€164k€138k▼

Operating profit (loss)9901€59k€3k▼

Financial income75/76B€1k€2k▲

Recurring financial income75€1k€2k▲

Financial charges65/66B€11k€8k▼

Recurring financial charges65€11k€8k▼

Profit (loss) for the period before taxes9903€49k€-4k▼

Transfer from deferred taxes780€1k€996▼

Income taxes67/77€19k€1k▼

Profit (loss) for the period9904€31k€-4k▼

Transfer from tax-exempt reserves789€4k€3k▼

Profit (loss) for the period to be appropriated9905€36k€-782▼

Appropriation of the result

Profit (loss) to be appropriated9906€-3k€-39k▼

Profit (loss) brought forward from the previous period14P€-38k€-38k=

Transfer to equity691/2€36k-

To other reserves6921€36k-

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 13Financial 3Filings 10

Next filing, fiscal year 2026, expected by 30-04-2027

2026

09-04

NBB filing Annual accounts filed

fiscal year 2025 · unclassified schema

2025

30-09

Financial Weakest financial yearnet €-4k ▼112%

Net result drops to €-4k, the lowest in the series.

13-03

NBB filing Annual accounts filed

fiscal year 2024 · unclassified schema

2024

04-04

NBB filing Annual accounts filed

fiscal year 2023 · unclassified schema

2023

30-09

Financial Highest result since 2018net €35k ▲248%

Net result €35k, the highest in the series.

27-03

NBB filing Annual accounts filed

fiscal year 2022 · unclassified schema

2022

31-03

NBB filing Annual accounts filed

fiscal year 2021 · unclassified schema

2021

26-03

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

30-09

Financial Back to profitnet €8k

Net result €8k after one loss-making year.

26-03

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema

2019

26-03

NBB filing Annual accounts filed

fiscal year 2018 · abbreviated schema

2018

03-04

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema

2017

21-02

NBB filing Annual accounts filed

fiscal year 2016 · full schema

Financial milestoneNBB 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, Eupen · 1 establishment unit since 1998

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.

Gospertstrasse 354700 Eupen

1 establishment unit

Gospertstrasse 35, 4700 Eupen

NACE 1511102

since 19982.088.346.157

Recognitions · licences · registrations

Food safety, FASFC

1 site

Eupen2.088.346.157

1 permission

Toelating · Vleeswinkel · since 13-05-2009

Similar companies · same sector, comparable size

La Louvière · Eq €67,110

Meli Food

BE 0866.117.255

Houthalen-Helchteren · Eq €67,563

Of 3,043 companies in sector 47221 we hold annual accounts for 1,564. 1,345 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

Founded22-06-1998

Fiscal year end30-09

Activities, NACEBEL 2025

47221Retail sale of meat and meat products, excluding game and poultry

46321Wholesale of meat and meat products, excluding game and poultry

46322Wholesale trade

47252Retail sale of beverages, general range

47271Retail trade

56210Event catering

68201Renting and operating of own or leased residential real estate, excluding social housing

Sources

Crossroads Bank for EnterprisesNational Bank · 27 filings

Scores and ratios are computed by Checked and are not a credit decision.