Steenhout Camiel en Peter
ActiveSummary
Steenhout Camiel en Peter has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69k and a net result of €248. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 95% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 10.18 against 8.48 in 2024; short-term debt: 5.6% and cash: 3.2% of total assets), and 6.2% 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
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 · 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
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
93.8%
Return on assets
0.3%
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 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
31 d early
2023
61 d early
2022
9 d late
2021
62 d early
2020
61 d early
2019
63 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 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, micro schema
Equity
€69k▲ 0.4%
2024 · €69k
2018: €66k
2019: €62k
2020: €64k
2021: €62k
2022: €59k
2023: €69k
2024: €69k
2018 → 2025
Total assets
€74k▼ 2.1%
2024 · €75k
2018: €78k
2019: €74k
2020: €73k
2021: €65k
2022: €70k
2023: €82k
2024: €75k
2018 → 2025
Net result
€248
2024 · €-572
2018: €6k
2019: €-4k
2020: €2k
2021: €-2k
2022: €-3k
2023: €10k
2024: €-572
2018 → 2025
Working capital
€38k▼ 15.6%
2024 · €44k
2018: €30k
2019: €28k
2020: €35k
2021: €36k
2022: €34k
2023: €46k
2024: €44k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€62k-€59k▼ 4.1%€69k▲ 16.6%€69k▼ 0.8%€69k▲ 0.4%
Operating result€-2k-€-2k▼ 16.7%€10k€-319€501
Net result€-2k-€-3k▼ 24.8%€10k€-572€248
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €501 after a loss of €319 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €74k
Fixed assets
€32k ▲ 28.9%
Current assets
€42k ▼ 17.4%
Equity and liabilities €74k
Equity
€69k ▲ 0.4%
Debt
€5k ▼ 28.8%
Debt's share of the balance-sheet total falls from 8.6% to 6.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€4k▲
2024 · €2k
Cash flow
€4k▲
2024 · €1k
Current ratio
10.18▲
2024 · 8.48
Quick ratio
1.20▼
2024 · 2.19
Debt to equity
0.07▼
2024 · 0.09
ROE
0.4%▲
2024 · -0.8%
ROA
0.3%▲
2024 · -0.8%
Interest coverage
17.00▲
2024 · 6.18
Debt ≤ 1 year
€4k▼
2024 · €6k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€75k€74k▼
Fixed assets21/28€25k€32k▲
Tangible fixed assets22/27€25k€32k▲
Land and buildings22€20k€19k▼
Plant, machinery and equipment23€1k€660▼
Furniture and vehicles24€4k€12k▲
Current assets29/58€50k€42k▼
Stocks and contracts in progress3€37k€37k▼
Stocks30/36€34k€33k▼
Contracts in progress37€3k€3k=
Amounts receivable within one year40/41€4k€2k▼
Trade receivables40€0€605▲
Other amounts receivable41€4k€966▼
Cash at bank and in hand54/58€8k€2k▼
Deferred charges and accrued income490/1€854€969▲
Equity and liabilities
Total equity and liabilities10/49€75k€74k▼
Equity10/15€69k€69k▲
Contributions10/11€42k€42k=
Reserves13€65k€65k=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€60k€60k=
Profit (loss) carried forward14€-38k€-38k▲
Amounts payable17/49€6k€5k▼
Amounts payable within one year42/48€6k€4k▼
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€1k-
Taxes450/3€1k-
Other amounts payable47/48€0€2k▲
Accrued charges and deferred income492/3€500€500=
Income statement
Code20242025
Non-recurring operating income76A€150-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€3k€7k▲
Operating profit (loss)9901€-319€501▲
Financial income75/76B€0€2▲
Recurring financial income75€0€2▲
Financial charges65/66B€253€255▲
Recurring financial charges65€253€255▲
Profit (loss) for the period before taxes9903€-572€248▲
Profit (loss) for the period9904€-572€248▲
Profit (loss) for the period to be appropriated9905€-572€248▲
Appropriation of the result
Profit (loss) to be appropriated9906€-38k€-38k▲
Profit (loss) brought forward from the previous period14P€-37k€-38k▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €248
Net result €248 after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 18.09
Current ratio from 5.93 to 18.09; short-term debt falls from €7k to €2k.
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-4k ▼171%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
Show earlier events
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 151 days late
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, Aalst · 1 establishment unit since 1986
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.
Kouterbaan 679310 AalstGround area
423 m²
Building footprint
539 m²
Volume, LiDAR
2,083 m³
Parcel 41026B0837/00F000, Flanders · tallest building 9.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
STEENHOUT CAMIEL EN PETER
since 19862.034.797.110
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41026B0837/00F000 | Flanders | 423 m² | 1 · 539 m² | 9.8 m · 1 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
VEREECKEN JAN
BE 0475.216.064
Evergem · Eq €68,964
Multirolluik
BE 0773.965.869
Roosdaal · Eq €68,981
D-House Concept
BE 0756.776.677
Ardooie · Eq €68,994
HJ-INTERIEUR
BE 0884.751.549
Putte · Eq €68,997
Inside Cube
BE 0803.612.930
Namur · Eq €68,938
Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 7,616 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 (pre-2019)
Founded10-10-1986
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
47551Retail sale of household furniture
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.