Financials
- Fiscal year
- 2025
- Total assets
- €4.6m
- Profit
- €163,484
- Solvency
- 76.4%
Total assets▲ 4.6%
Net result
20182025
STEP SERVICES
ActiveSummary
STEP SERVICES has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.5m and a net result of €163,484. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 80% of 595 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Overview
Activity
Social work activities without accommodation
NACE 88101NACE 74700General cleaning of buildings NACE 81210
#7 employer in Liège, Health and social work sector3 sites
Size
€4.6mtotal assets 2025
- Staff
- 156.1 FTE
- Equity
- €3.5m
- Profit
- €163,484
Structure
- Largest shareholder
- Step Connect · 24.65%
- Holdings
- 1
Accounts 88 d early0 of 15 deeds read
Why 96+ Liquidity: current ratio 5.86, cash €766,365+ Equity €3.5m (76.4% of total assets)+ Founded in 2004+ Figures for FY 2025 (filed 04-05-2026)Show the evidence
Checked score
Score 2025
96
/ 100
Excellent
Probability in this band: under 0.55%
Better than 64% of its sector peers (NACE 88, medium-sized)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
100=
equity 76.4% of total assets
Liquidity
68-2
short-term debt 15.5% · cash 16.8%
Profitability
73-3
return on assets 3.6%
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: < 0.1%lowest value
12-2024: < 0.1%● 0.0% vs 11-2024lowest value
01-2025: < 0.1%● 0.0% vs 12-2024lowest value
02-2025: < 0.1%● 0.0% vs 01-2025lowest value
03-2025: < 0.1%▲ +9.1% vs 02-2025
04-2025: < 0.1%▲ +5.6% vs 03-2025
05-2025: < 0.1%● 0.0% vs 04-2025
06-2025: < 0.1%▼ -13.2% vs 05-2025lowest value
07-2025: < 0.1%● 0.0% vs 06-2025lowest value
08-2025: < 0.1%● 0.0% vs 07-2025lowest value
09-2025: < 0.1%● 0.0% vs 08-2025lowest value
10-2025: < 0.1%● 0.0% vs 09-2025lowest value
11-2025: < 0.1%● 0.0% vs 10-2025lowest value
12-2025: < 0.1%● 0.0% vs 11-2025lowest value
01-2026: < 0.1%● 0.0% vs 12-2025lowest value
02-2026: < 0.1%● 0.0% vs 01-2026lowest value
03-2026: < 0.1%● 0.0% vs 02-2026lowest value
04-2026: < 0.1%▲ +3.0% vs 03-2026
05-2026: < 0.1%▲ +2.9% vs 04-2026
06-2026: < 0.1%▲ +17.1% vs 05-2026highest value
07-2026: < 0.1%● 0.0% vs 06-2026highest value
08-2026: < 0.1%● 0.0% vs 07-2026highest value
09-2026: < 0.1%● 0.0% vs 08-2026highest value
10-2026: < 0.1%● 0.0% vs 09-2026highest value
- Liquidity: current ratio 5.86, cash €766,365 lowers the probability
- Equity €3.5m (76.4% of total assets) lowers the probability
- Founded in 2004 lowers the probability for this profile
- Figures for FY 2025 (filed 04-05-2026) lowers the probability
Credit up to €330,000 at 30 days acceptable
Liquidity ample (current ratio 5.86 against 6.44 in 2024; short-term debt: 15.5% and cash: 16.8% of total assets), and 23.6% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 88, medium-sized). Better than this share of them on solvency 91%, liquidity 60%, profitability 53%, growth against the median 52%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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 04-05-2026, 88 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
88 d early
2024
83 d early
2023
92 d early
2022
1 d late
2021
6 d early
2020
30 d late
2019
31 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 38 days before the deadline; the sector median for financial year 2024 is 24 days before the deadline, and 25% of the sector filed late.
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. Usually files around 9 May (4 of the last 5 filed years within 77 days of that day).
Companies Code · seven monthsPosition in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · full…
- Annual accounts filedfiscal year 2024 · full…
- Annual accounts filedfiscal year 2023 · full…
Key points
By topic
Board & ownership
- Largest shareholder
- Step Connect · 24.65%
- Known shareholders
- 100%
Network & group
- Holdings
- 1
1 holding
Timeline
- Events
- 12
- Since
- 2017
- Next accounts
- by 31-07-2027
- 04-05-2026Annual accounts filed
- 09-05-2025Annual accounts filed
- 30-04-2024Annual accounts filed
Company details
- Sites
- 3
- Legal form
- Cooperative company
- Activity
- Social work activities without accommodationNACE 88101
- Founded
- 11-05-2004
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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