STEFFENS
ActiveSTEFFENS has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €206k and a net result of €41k. Equity is growing by ~28.6% per year across the filed fiscal years. Its solvency ranks better than 69% of 2027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-7
Solvency91▼-9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.6 against 10.28 in 2024; short-term debt: 34.4% and cash: 14.8% of total assets), and 34.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 85
Relative position
BE, all sectors
reference
Sector 85
lower
← 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
65.6%
Return on assets
13.2%
Age of the figures
9 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
29 d early
2023
30 d early
2022
26 d early
2021
26 d early
2020
26 d early
2019
18 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€206k▼ 22.0%
2024 · €264k
2018: €54k
2019: €74k
2020: €98k
2021: €111k
2022: €185k
2023: €229k
2024: €264k
2018 → 2025
Total assets
€314k▲ 9.2%
2024 · €287k
2018: €96k
2019: €78k
2020: €107k
2021: €119k
2022: €198k
2023: €235k
2024: €287k
2018 → 2025
Net result
€41k▼ 21.2%
2024 · €53k
2018: €27k
2019: €19k
2020: €24k
2021: €14k
2022: €74k
2023: €44k
2024: €53k
2018 → 2025
Working capital
€172k▼ 20.4%
2024 · €216k
2018: €15k
2019: €45k
2020: €61k
2021: €87k
2022: €164k
2023: €206k
2024: €216k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€111k-€185k▲ 66.2%€229k▲ 23.9%€264k▲ 15.1%€206k▼ 22.0%
Operating result€19k-€101k▲ 441%€61k▼ 39.6%€72k▲ 17.9%€53k▼ 26.4%
Net result€14k-€74k▲ 439%€44k▼ 39.9%€53k▲ 18.7%€41k▼ 21.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €314k
Fixed assets
€34k▼ 29.2%
Current assets
€280k▲ 16.9%
Equity and liabilities €314k
Equity
€206k▼ 22.0%
Debt
€108k▲ 363%
The debt ratio rises from 8.1% to 34.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€75k▼
2024 · €84k
Cash flow
€63k▼
2024 · €65k
Solvency
65.6%▼
2024 · 91.9%
Current ratio
2.60▼
2024 · 10.28
Quick ratio
2.58▼
2024 · 10.15
Debt / equity
0.52▲
2024 · 0.09
ROE
20.1%▲
2024 · 19.9%
ROA
13.2%▼
2024 · 18.3%
Interest coverage
326.48▼
2024 · 606.52
Debt
€108k▲
2024 · €23k
Debt ≤ 1 year
€108k▲
2024 · €23k
Income taxes
€15k▼
2024 · €20k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€287k€314k▲
Fixed assets21/28€48k€34k▼
Tangible fixed assets22/27€48k€34k▼
Plant, machinery and equipment23€11k€13k▲
Furniture and vehicles24€36k€20k▼
Current assets29/58€239k€280k▲
Stocks and contracts in progress3€3k€2k▼
Stocks30/36€3k€2k▼
Amounts receivable within one year40/41€52k€47k▼
Trade receivables40€34k€31k▼
Other amounts receivable41€17k€16k▼
Current investments50/53€170k€183k▲
Cash at bank and in hand54/58€13k€46k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€287k€314k▲
Equity10/15€264k€206k▼
Contributions10/11€35k€35k=
Reserves13€206k€147k▼
Distributable reserves133€206k€147k▼
Profit (loss) carried forward14€23k€24k▲
Amounts payable17/49€23k€108k▲
Amounts payable within one year42/48€23k€108k▲
Trade debts44€5k€5k▲
Suppliers440/4€5k€5k▲
Taxes, remuneration and social security45€442€3k▲
Taxes450/3€442€448▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€18k€100k▲
Accrued charges and deferred income492/3€12€72▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€22k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k-
Other operating charges640/8€1k€1k▼
Gross operating margin9900€87k€76k▼
Operating profit (loss)9901€72k€53k▼
Financial income75/76B€467€4k▲
Recurring financial income75€467€4k▲
Financial charges65/66B€138€228▲
Recurring financial charges65€138€228▲
Profit (loss) for the period before taxes9903€72k€57k▼
Income taxes67/77€20k€15k▼
Profit (loss) for the period9904€53k€41k▼
Profit (loss) for the period to be appropriated9905€53k€41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€76k€65k▼
Profit (loss) brought forward from the previous period14P€23k€23k▲
Transfer from equity791/2€18k€100k▲
Transfer to equity691/2€53k€41k▼
To other reserves6921€53k€41k▼
Profit to be distributed694/7€18k€100k▲
Return on contributions (dividend)694€18k€100k▲
The notes to these accounts (5 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 39.98
Current ratio from 13.72 to 39.98; short-term debt falls from €13k to €5k.
31-12
Financial
Equity above €200kEq €229k ▲23.9%
6 profitable years in a row build equity to €229k.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €74k ▲439%
Operating result €101k, net result €74k, both a record.
31-12
Financial
Equity above €150kEq €185k ▲66.2%
5 profitable years in a row build equity to €185k.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €14k ▼42.5%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €111k ▲14%
4 profitable years in a row build equity to €111k.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity times 9current ratio 11.61
Current ratio from 1.36 to 11.61; short-term debt falls from €42k to €4k.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 10 days late
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Büllingen · 1 establishment unit since 2011
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.
Rocherath,Zur Hahnendell 54761 Büllingen1 establishment unit
Rocherath,Zur Hahnendell 5, 4761 Büllingen
since 20112.203.794.864
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Of 11,668 companies in sector 85599 we hold annual accounts for 1,329. 941 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-11-2011
Fiscal year end31-12
Trade name FR
I-TEACH
Activities, NACEBEL
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filings
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.