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 €3.49M and a net result of €163k. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 80% of 464 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability73▼-3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €300k 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.
Credit check 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 88
Relative position
BE, all sectors
reference
Social work activities without accommodation (NACE 88)
about 62% fewer bankruptcies
← 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
76.4%
Return on assets
3.6%
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 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 →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€163k▼ 34.1%
2024 · €248k
2018: €62klowest in 8 years
2019: €281k▲ +355% vs 2018
2020: €385k▲ +37.0% vs 2019
2021: €440k▲ +14.1% vs 2020highest in 8 years
2022: €72k▼ -83.6% vs 2021
2023: €185k▲ +156% vs 2022
2024: €248k▲ +34.5% vs 2023
2025: €163k▼ -34.1% vs 2024
2018 → 2025
Working capital
€3.45M▲ 3.6%
2024 · €3.33M
2018: €1.12Mlowest in 8 years
2019: €1.45M▲ +29.4% vs 2018
2020: €2.08M▲ +43.1% vs 2019
2021: €2.45M▲ +17.7% vs 2020
2022: €2.69M▲ +10.1% vs 2021
2023: €2.74M▲ +1.8% vs 2022
2024: €3.33M▲ +21.5% vs 2023
2025: €3.45M▲ +3.6% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.81M-€2.88M▲ 2.6%€3.09M▲ 7.2%€3.33M▲ 7.9%€3.49M▲ 4.8%
2021: €2.81Mlowest in 5 years
2022: €2.88M▲ +2.6% vs 2021
2023: €3.09M▲ +7.2% vs 2022
2024: €3.33M▲ +7.9% vs 2023
2025: €3.49M▲ +4.8% vs 2024highest in 5 years
Operating result€463k-€100k▼ 78.3%€192k▲ 90.8%€223k▲ 16.3%€153k▼ 31.5%
2021: €463khighest in 5 years
2022: €100k▼ -78.3% vs 2021lowest in 5 years
2023: €192k▲ +90.8% vs 2022
2024: €223k▲ +16.3% vs 2023
2025: €153k▼ -31.5% vs 2024
Net result€440k-€72k▼ 83.6%€185k▲ 156%€248k▲ 34.5%€163k▼ 34.1%
2021: €440khighest in 5 years
2022: €72k▼ -83.6% vs 2021lowest in 5 years
2023: €185k▲ +156% vs 2022
2024: €248k▲ +34.5% vs 2023
2025: €163k▼ -34.1% vs 2024
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.57M
Fixed assets
€413k ▼ 4.4%
Current assets
€4.16M ▲ 5.6%
Equity and liabilities €4.57M
Equity
€3.49M ▲ 4.8%
Provisions
€97k =
Debt
€982k ▲ 4.4%
Debt's share of the balance-sheet total stays at 21.5%.
Key figures and ratios
EBITDA
€230k▼
2024 · €295k
Cash flow
€241k▼
2024 · €321k
Current ratio
5.86▼
2024 · 6.44
Debt to equity
0.28▼
2024 · 0.28
ROE
4.7%▼
2024 · 7.4%
ROA
3.6%▼
2024 · 5.7%
Interest coverage
638.53▼
2024 · 1118.84
Debt ≤ 1 year
€709k▲
2024 · €612k
Income taxes
€28k▲
2024 · €20k
Staff costs
€4.48M▲
2024 · €4.28M
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 · 61 lines
Balance sheet
Code20242025
Assets
Total assets20/58€4.37M€4.57M▲
Fixed assets21/28€432k€413k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€420k€401k▼
Land and buildings22€344k€296k▼
Plant, machinery and equipment23-€0
Furniture and vehicles24€70k€100k▲
Other tangible fixed assets26€6k€5k▼
Financial fixed assets28€12k€12k=
Current assets29/58€3.94M€4.16M▲
Amounts receivable after more than one year29€2.06M€2.64M▲
Other amounts receivable291€2.06M€2.64M▲
Amounts receivable within one year40/41€411k€689k▲
Trade receivables40€361k€649k▲
Other amounts receivable41€50k€40k▼
Current investments50/53€600k€0▼
Cash at bank and in hand54/58€774k€766k▼
Deferred charges and accrued income490/1€97k€61k▼
Equity and liabilities
Total equity and liabilities10/49€4.37M€4.57M▲
Equity10/15€3.33M€3.49M▲
Contributions10/11€51k€51k▲
Capital10€51k€51k▲
Issued capital100€51k€51k▲
Uncalled capital101€150€150=
Reserves13€3.27M€3.43M▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€3.26M€3.42M▲
Investment grants15€18k€13k▼
Provisions and deferred taxes16€97k€97k=
Provisions for liabilities and charges160/5€97k€97k=
Pensions and similar obligations160€97k€97k=
Amounts payable17/49€941k€982k▲
Amounts payable after more than one year17€0-
Other amounts payable178/9€0-
Amounts payable within one year42/48€612k€709k▲
Trade debts44€35k€58k▲
Suppliers440/4€35k€58k▲
Taxes, remuneration and social security45€572k€651k▲
Taxes450/3€4k€10k▲
Remuneration and social security454/9€568k€641k▲
Other amounts payable47/48€5k€0▼
Accrued charges and deferred income492/3€329k€272k▼
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61-€245k
Remuneration, social security and pensions62€4.28M€4.48M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€73k€77k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€32k-
Other operating charges640/8€14k€11k▼
Gross operating margin9900€4.62M€4.72M▲
Operating profit (loss)9901€223k€153k▼
Financial income75/76B€46k€39k▼
Recurring financial income75€46k€39k▼
Financial charges65/66B€264€360▲
Recurring financial charges65€264€360▲
Profit (loss) for the period before taxes9903€268k€191k▼
Income taxes67/77€20k€28k▲
Profit (loss) for the period9904€248k€163k▼
Transfer to tax-exempt reserves689€248k€163k▼
Profit (loss) for the period to be appropriated9905€0€0=
Appropriation of the result
Profit (loss) to be appropriated9906€0€0=
Social balance
Average headcount (FTE)9087157.8156.1▼
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | - | - | - | - | €245k | - |
| Remuneration, social security and pensions62 | €3.35M | €4.19M | €4.67M | €4.28M | €4.48M | ▲ 4.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €66k | €56k | €66k | €73k | €77k | ▲ 6.2% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | €11k | €11k | €-402 | €32k | - | - |
| Other operating charges640/8 | €5k | €4k | €8k | €14k | €11k | ▼ 18.7% |
| Non-recurring operating charges66A | - | €98 | - | - | - | - |
| Gross operating margin9900 | €3.90M | €4.36M | €4.94M | €4.62M | €4.72M | ▲ 2.0% |
| Operating profit (loss)9901 | €463k | €100k | €192k | €223k | €153k | ▼ 31.5% |
| Financial income75/76B | €5 | €123 | €33k | €46k | €39k | ▼ 15.0% |
| Recurring financial income75 | €5 | €123 | €33k | €46k | €39k | ▼ 15.0% |
| Financial charges65/66B | €55 | €407 | €327 | €264 | €360 | ▲ 36.3% |
| Recurring financial charges65 | €55 | €407 | €327 | €264 | €360 | ▲ 36.3% |
| Profit (loss) for the period before taxes9903 | €463k | €100k | €224k | €268k | €191k | ▼ 28.7% |
| Income taxes67/77 | €23k | €28k | €40k | €20k | €28k | ▲ 38.0% |
| Profit (loss) for the period9904 | €440k | €72k | €185k | €248k | €163k | ▼ 34.1% |
| Transfer to tax-exempt reserves689 | €440k | €72k | €185k | €248k | €163k | ▼ 34.1% |
| Profit (loss) for the period to be appropriated9905 | €0 | €0 | €0 | €0 | €0 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.55M | €3.80M | €3.95M | €4.37M | €4.57M | ▲ 4.6% |
| Fixed assets21/28 | €509k | €458k | €492k | €432k | €413k | ▼ 4.4% |
| Intangible fixed assets21 | €4k | €1k | €0 | €0 | €0 | - |
| Tangible fixed assets22/27 | €503k | €455k | €486k | €420k | €401k | ▼ 4.5% |
| Land and buildings22 | €476k | €432k | €390k | €344k | €296k | ▼ 13.9% |
| Plant, machinery and equipment23 | - | - | - | - | €0 | - |
| Furniture and vehicles24 | €18k | €14k | €89k | €70k | €100k | ▲ 43.4% |
| Other tangible fixed assets26 | €8k | €9k | €7k | €6k | €5k | ▼ 18.5% |
| Financial fixed assets28 | €3k | €3k | €6k | €12k | €12k | = |
| Current assets29/58 | €3.04M | €3.34M | €3.46M | €3.94M | €4.16M | ▲ 5.6% |
| Amounts receivable after more than one year29 | €1.87M | €1.68M | €2.22M | €2.06M | €2.64M | ▲ 28.4% |
| Other amounts receivable291 | €1.87M | €1.68M | €2.22M | €2.06M | €2.64M | ▲ 28.4% |
| Amounts receivable within one year40/41 | €401k | €497k | €331k | €411k | €689k | ▲ 67.7% |
| Trade receivables40 | €365k | €486k | €324k | €361k | €649k | ▲ 80.0% |
| Other amounts receivable41 | €35k | €10k | €7k | €50k | €40k | ▼ 20.0% |
| Current investments50/53 | - | - | €0 | €600k | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €756k | €1.08M | €814k | €774k | €766k | ▼ 1.0% |
| Deferred charges and accrued income490/1 | €13k | €76k | €94k | €97k | €61k | ▼ 37.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.55M | €3.80M | €3.95M | €4.37M | €4.57M | ▲ 4.6% |
| Equity10/15 | €2.81M | €2.88M | €3.09M | €3.33M | €3.49M | ▲ 4.8% |
| Contributions10/11 | €51k | €51k | €51k | €51k | €51k | ▲ 0.1% |
| Capital10 | €51k | €51k | €51k | €51k | €51k | ▲ 0.1% |
| Issued capital100 | €51k | €51k | €51k | €51k | €51k | ▲ 0.1% |
| Uncalled capital101 | €100 | €100 | €100 | €150 | €150 | = |
| Reserves13 | €2.76M | €2.83M | €3.02M | €3.27M | €3.43M | ▲ 5.0% |
| Non-distributable reserves130/1 | €6k | €6k | €6k | €6k | €6k | = |
| Legal reserve130 | €6k | €6k | €6k | €6k | €6k | = |
| Tax-exempt reserves132 | €2.76M | €2.83M | €3.01M | €3.26M | €3.42M | ▲ 5.0% |
| Investment grants15 | - | - | €22k | €18k | €13k | ▼ 25.3% |
| Provisions and deferred taxes16 | €54k | €65k | €65k | €97k | €97k | = |
| Provisions for liabilities and charges160/5 | €54k | €65k | €65k | €97k | €97k | = |
| Pensions and similar obligations160 | €34k | €45k | €65k | €97k | €97k | = |
| Other liabilities and charges164/5 | €20k | €20k | €0 | - | - | - |
| Amounts payable17/49 | €687k | €848k | €799k | €941k | €982k | ▲ 4.4% |
| Amounts payable after more than one year17 | €0 | - | - | €0 | - | - |
| Other amounts payable178/9 | €0 | - | - | €0 | - | - |
| Amounts payable within one year42/48 | €598k | €645k | €721k | €612k | €709k | ▲ 16.0% |
| Trade debts44 | €82k | €96k | €201k | €35k | €58k | ▲ 68.8% |
| Suppliers440/4 | €82k | €96k | €201k | €35k | €58k | ▲ 68.8% |
| Taxes, remuneration and social security45 | €515k | €550k | €515k | €572k | €651k | ▲ 13.8% |
| Taxes450/3 | €14k | €10k | €6k | €4k | €10k | ▲ 151% |
| Remuneration and social security454/9 | €502k | €539k | €509k | €568k | €641k | ▲ 12.8% |
| Other amounts payable47/48 | - | - | €5k | €5k | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | €90k | €203k | €78k | €329k | €272k | ▼ 17.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €440k | €72k | €185k | €248k | €163k | ▼ 34.1% |
| + Depreciation and write-downs630 | €66k | €56k | €66k | €73k | €77k | ▲ 6.2% |
| Operating cash flow (approximation) | €505k | €129k | €251k | €321k | €241k | ▼ 25.0% |
| Investment in fixed assets (approximation) | - | €-5k | €-100k | €-12k | €-58k | ▼ 387% |
| Change in cash | - | €325k | €-267k | €-40k | €-8k | ▲ 79.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
04-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
09-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 1 day late
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €440k ▲14.1%
Operating result €463k, net result €440k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Equity above €2MEq €2.37M ▲19.4%
3 profitable years in a row build equity to €2.37M.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 8 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 20 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 15 acts read
About the unread acts
We know of 15 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
15 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, Liège · 3 establishment units since 2004
Ground area
2,454 m²
Building footprint
316 m²
Volume, LiDAR
2,087 m³
3 parcels, Wallonia · tallest building 13.7 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
3 establishment units
STEP SERVICES
since 20042.229.358.324
STEP SERVICES
since 20122.229.358.522
STEP SERVICES
since 20162.257.685.886
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62809A1690/00N008 | Wallonia | 1,284 m² | - | - |
| 62810B0300/00R002 | Wallonia | 914 m² | 1 · 256 m² | 7.0 m · 2 fl. |
| 62100D1149/00N000 | Wallonia | 255 m² | 1 · 61 m² | 13.7 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 434 EUR awarded · 434 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 74 EUR | 74 EUR |
| 2023 | 1 | 360 EUR | 360 EUR |
Schemes
Dienstencheques
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Of 580 companies in sector 88101 we hold annual accounts for 141. 56 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formCooperative company
Founded11-05-2004
Fiscal year end31-12
Activities, NACEBEL 2025
88101Social work activities without accommodation
96910Personal service activities
Scores and ratios are computed by Checked and are not a credit decision.