STEVA
ActiveSummary
STEVA has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €184k and a net result of €60k. Equity is growing by ~57.3% per year across the filed fiscal years. Its solvency ranks better than 24% of 37953 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability79▲+34
Solvency50▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.62 against 0.47 in 2023; short-term debt: 25.1% and cash: 3.7% of total assets), and 74.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 37953 sector peers (2024).
NBB · sector comparisonPosition among 37953 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
not confirmed
2024
61 d late
2023
27 d late
2022
25 d late
2021
64 d late
2020
87 d late
2019
27 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€184k▲ 48.4%
2023 · €124k
2018: €-56k
2019: €-10k
2020: €29k
2021: €70k
2022: €115k
2023: €124k
2018 → 2024
Total assets
€725k▲ 0.4%
2023 · €722k
2018: €587k
2019: €563k
2020: €500k
2021: €552k
2022: €716k
2023: €722k
2018 → 2024
Net result
€60k▲ 585%
2023 · €9k
2018: €-31k
2019: €46k
2020: €40k
2021: €41k
2022: €45k
2023: €9k
2018 → 2024
Working capital
€-70k▲ 31.0%
2023 · €-101k
2018: €-172k
2019: €-131k
2020: €-56k
2021: €-75k
2022: €-77k
2023: €-101k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€29k-€70k▲ 138%€115k▲ 64.6%€124k▲ 7.6%€184k▲ 48.4%
Operating result€52k-€87k▲ 65.2%€77k▼ 11.1%€36k▼ 52.8%€105k▲ 188%
Net result€40k-€41k▲ 2.2%€45k▲ 11.3%€9k▼ 80.6%€60k▲ 585%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 188% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €725k
Fixed assets
€612k ▼ 3.2%
Current assets
€112k ▲ 25.8%
Equity and liabilities €725k
Equity
€184k ▲ 48.4%
Debt
€541k ▼ 9.6%
Debt's share of the balance-sheet total falls from 82.9% to 74.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€141k▲
2023 · €73k
Cash flow
€96k▲
2023 · €45k
Current ratio
0.62▲
2023 · 0.47
Quick ratio
0.61▲
2023 · 0.44
Debt to equity
2.94▼
2023 · 4.83
ROE
32.6%▲
2023 · 7.1%
ROA
8.3%▲
2023 · 1.2%
Interest coverage
6.06▲
2023 · 3.02
Debt ≤ 1 year
€182k▼
2023 · €190k
Debt > 1 year
€359k▼
2023 · €408k
Income taxes
€24k▲
2023 · €4k
Staff costs
€150k▲
2023 · €136k
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 · 2024 against 2023 · 57 lines
Balance sheet
Code20232024
Assets
Total assets20/58€722k€725k▲
Fixed assets21/28€633k€612k▼
Intangible fixed assets21€14k€12k▼
Tangible fixed assets22/27€619k€600k▼
Land and buildings22€499k€488k▼
Plant, machinery and equipment23€57k€42k▼
Furniture and vehicles24€938€15k▲
Other tangible fixed assets26€62k€55k▼
Current assets29/58€89k€112k▲
Amounts receivable after more than one year29€17k€17k=
Other amounts receivable291€17k€17k=
Stocks and contracts in progress3€5k€1k▼
Stocks30/36€5k€1k▼
Amounts receivable within one year40/41€31k€65k▲
Trade receivables40€4k€15k▲
Other amounts receivable41€26k€49k▲
Cash at bank and in hand54/58€34k€27k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€722k€725k▲
Equity10/15€124k€184k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€51k€51k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€49k€49k=
Profit (loss) carried forward14€54k€114k▲
Amounts payable17/49€598k€541k▼
Amounts payable after more than one year17€408k€359k▼
Financial debts170/4€408k€359k▼
Amounts payable within one year42/48€190k€182k▼
Current portion of amounts payable after more than one year42€75k€80k▲
Financial debts43€4k-
Credit institutions430/8€4k-
Trade debts44€81k€80k▼
Suppliers440/4€81k€80k▼
Taxes, remuneration and social security45€30k€21k▼
Taxes450/3€17k€10k▼
Remuneration and social security454/9€12k€11k▼
Income statement
Code20232024
Remuneration, social security and pensions62€136k€150k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€36k▼
Other operating charges640/8€8k€10k▲
Gross operating margin9900€217k€301k▲
Operating profit (loss)9901€36k€105k▲
Financial income75/76B€704€2k▲
Recurring financial income75€704€2k▲
Financial charges65/66B€24k€23k▼
Recurring financial charges65€24k€23k▼
Profit (loss) for the period before taxes9903€13k€84k▲
Income taxes67/77€4k€24k▲
Profit (loss) for the period9904€9k€60k▲
Profit (loss) for the period to be appropriated9905€9k€60k▲
Appropriation of the result
Profit (loss) to be appropriated9906€63k€114k▲
Profit (loss) brought forward from the previous period14P€54k€54k=
Transfer to equity691/2€9k-
To other reserves6921€9k-
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2018net €60k ▲585%
Operating result €105k, net result €60k, both a record.
31-12
Financial
Equity above €150kEq €184k ▲48.4%
6 profitable years in a row build equity to €184k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Equity above €100kEq €115k ▲64.6%
4 profitable years in a row build equity to €115k.
03-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 64 days late
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 87 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Back to profitnet €46k
Net result €46k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 57 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Blankenberge · 1 establishment unit since 2011
Ground area
1,464 m²
Building footprint
259 m²
Volume, LiDAR
2,124 m³
2 parcels, Flanders · tallest building 18.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Taste
since 20112.196.908.062
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31034A0180/02H000 | Flanders | 1,375 m² | 1 · 178 m² | 9.1 m · 2 fl. |
| 31004A0558/00F000 | Flanders | 89 m² | 1 · 81 m² | 18.3 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBlankenberge2.196.908.062
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 40,594 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)
Founded18-05-2004
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
70200Business and other management consultancy
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.