STEVANY
ActiveSTEVANY has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €82k and a net result of €-19k. Equity is shrinking by ~17.6% per year across the filed fiscal years. Its solvency ranks better than 15% of 36378 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
37
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability15▲+3
Solvency37▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity tight (current ratio 1.02 against 1.04 in 2023; short-term debt: 88.2% and cash: 1.1% of total assets), and 88.2% 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
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
11.8%
Return on assets
-2.8%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-19k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 36378 sector peers (2024).
NBB · sector comparisonPosition among 36378 sector peers
Solvency
better than 15%
← 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 24-09-2025, 55 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
55 d late
2023
61 d late
2022
59 d late
2021
90 d late
2020
90 d late
2019
69 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€82k▼ 19.1%
2023 · €101k
2018: €76k
2019: €209k
2020: €195k
2021: €199k
2022: €137k
2023: €101k
2018 → 2024
Total assets
€695k▼ 1.7%
2023 · €707k
2018: €873k
2019: €923k
2020: €531k
2021: €751k
2022: €727k
2023: €707k
2018 → 2024
Net result
€-19k▲ 45.8%
2023 · €-36k
2018: €-166k
2019: €-37k
2020: €-14k
2021: €4k
2022: €-62k
2023: €-36k
2018 → 2024
Working capital
€12k▼ 56.1%
2023 · €26k
2018: €439k
2019: €357k
2020: €145k
2021: €181k
2022: €57k
2023: €26k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€195k-€199k▲ 1.9%€137k▼ 31.3%€101k▼ 26.0%€82k▼ 19.1%
Operating result€-4k-€3k€-51k€-32k▲ 37.6%€-5k▲ 84.8%
Net result€-14k-€4k€-62k€-36k▲ 42.8%€-19k▲ 45.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2024 against €32k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €695k
Fixed assets
€70k▼ 6.0%
Current assets
€625k▼ 1.2%
Equity and liabilities €695k
Equity
€82k▼ 19.1%
Debt
€613k▲ 1.2%
The debt ratio rises from 85.7% to 88.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-395▲
2023 · €-27k
Cash flow
€-15k▲
2023 · €-31k
Solvency
11.8%▼
2023 · 14.3%
Current ratio
1.02▼
2023 · 1.04
Quick ratio
0.39▼
2023 · 0.43
Debt / equity
7.49▲
2023 · 5.99
ROE
-23.5%▲
2023 · -35.2%
ROA
-2.8%▲
2023 · -5.0%
Interest coverage
-0.03▲
2023 · -2.78
Debt
€613k▲
2023 · €606k
Debt ≤ 1 year
€613k▲
2023 · €606k
Income taxes
€877▼
2023 · €899
Staff costs
€34k▼
2023 · €38k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€707k€695k▼
Fixed assets21/28€75k€70k▼
Tangible fixed assets22/27€75k€70k▼
Land and buildings22€65k€64k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€6k€4k▼
Financial fixed assets28€299€299=
Current assets29/58€632k€625k▼
Stocks and contracts in progress3€372k€384k▲
Stocks30/36€372k€384k▲
Amounts receivable within one year40/41€249k€232k▼
Trade receivables40€8k€7k▼
Other amounts receivable41€241k€225k▼
Cash at bank and in hand54/58€11k€7k▼
Deferred charges and accrued income490/1€611€771▲
Equity and liabilities
Total equity and liabilities10/49€707k€695k▼
Equity10/15€101k€82k▼
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€15k€15k=
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Tax-exempt reserves132€3k€3k=
Distributable reserves133€10k€12k▲
Profit (loss) carried forward14€68k€49k▼
Amounts payable17/49€606k€613k▲
Amounts payable within one year42/48€606k€613k▲
Financial debts43€125k€125k=
Credit institutions430/8€125k€125k=
Trade debts44€28k€49k▲
Suppliers440/4€28k€49k▲
Advances received on contracts in progress46€6k€6k=
Taxes, remuneration and social security45€31k€25k▼
Taxes450/3€24k€16k▼
Remuneration and social security454/9€8k€8k▲
Other amounts payable47/48€415k€409k▼
Income statement
Code20232024
Remuneration, social security and pensions62€38k€34k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Other operating charges640/8€2k€4k▲
Gross operating margin9900€13k€38k▲
Operating profit (loss)9901€-32k€-5k▲
Financial income75/76B€7k€96▼
Recurring financial income75€666€96▼
Non-recurring financial income76B€7k-
Financial charges65/66B€10k€14k▲
Recurring financial charges65€10k€14k▲
Profit (loss) for the period before taxes9903€-35k€-18k▲
Income taxes67/77€899€877▼
Profit (loss) for the period9904€-36k€-19k▲
Profit (loss) for the period to be appropriated9905€-36k€-19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€68k€49k▼
Profit (loss) brought forward from the previous period14P€104k€68k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 90 days late
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after 3 loss-making years.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
31-12
Financial
Equity above €200kEq €209k ▲175%
Equity rises from €76k to €209k.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 29 days late
2015
31-08
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 31 days late
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, Aalst · 1 establishment unit since 2000
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.
Kattestraat 669300 AalstGround area
297 m²
Building footprint
220 m²
Volume, LiDAR
2,284 m³
Parcel 41002A0195/00C000, Flanders · tallest building 17.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
S7 Fashion & Lifestyle
since 20002.079.846.977
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41002A0195/00C000 | Flanders | 297 m² | 1 · 220 m² | 17.6 m · 4 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
TVL Schrijnwerk
BE 1017.744.289
Beveren-Kruibeke-Zwijndrecht · Eq €82k
Houtwerken Meynzer
BE 0781.757.741
Kalmthout · Eq €82k
D&F de Graeve
BE 0877.450.221
Deinze · Eq €82k
VVS Montage
BE 0811.829.325
Berlaar · Eq €82k
VINT
BE 0698.573.115
Wevelgem · Eq €82k
Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 7,687 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-10-1996
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
52421
43110Demolition
43331Floor and wall tiling
43343Specialised construction activities
43421Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.