STEVECO
ActiveSummary
STEVECO has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €616k and a net result of €174k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 86% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▼-2
Solvency100▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 4.86 against 3.53 in 2024; short-term debt: 8.4% and cash: 5.8% of total assets), and 16.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
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
83.2%
Return on assets
23.6%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €616k
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
34 d early
2023
22 d early
2022
3 d early
2021
20 d early
2020
1 d early
2019
26 d late
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€616k▲ 39.5%
2024 · €441k
2018: €351k
2019: €341k
2020: €792k
2021: €1.16M
2022: €-88k
2023: €19k
2024: €441k
2018 → 2025
Total assets
€740k▲ 15.8%
2024 · €639k
2018: €1.63M
2019: €1.41M
2020: €1.41M
2021: €1.60M
2022: €986k
2023: €538k
2024: €639k
2018 → 2025
Net result
€174k▼ 58.7%
2024 · €422k
2018: €26k
2019: €-10k
2020: €450k
2021: €369k
2022: €-248k
2023: €107k
2024: €422k
2018 → 2025
Working capital
€239k▲ 103%
2024 · €118k
2018: €103k
2019: €133k
2020: €374k
2021: €539k
2022: €-329k
2023: €-269k
2024: €118k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.16M-€-88k€19k€441k▲ 2,227%€616k▲ 39.5%
Operating result€462k-€83k▼ 82.0%€107k▲ 28.8%€496k▲ 362%€265k▼ 46.6%
Net result€369k-€-248k€107k€422k▲ 296%€174k▼ 58.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 47% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €740k
Fixed assets
€439k ▼ 7.5%
Current assets
€301k ▲ 83.1%
Equity and liabilities €740k
Equity
€616k ▲ 39.5%
Provisions
€43k ▼ 68.8%
Debt
€82k ▲ 33.7%
Debt's share of the balance-sheet total rises from 9.5% to 11.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€294k▼
2024 · €555k
Cash flow
€203k▼
2024 · €481k
Current ratio
4.86▲
2024 · 3.53
Debt to equity
0.13▼
2024 · 0.14
ROE
28.3%▼
2024 · 95.7%
ROA
23.6%▼
2024 · 66.1%
Interest coverage
916.33▼
2024 · 1404.03
Debt ≤ 1 year
€62k▲
2024 · €47k
Debt > 1 year
€18k▲
2024 · €13k
Income taxes
€187k▲
2024 · €31k
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 · 59 lines
Balance sheet
Code20242025
Assets
Total assets20/58€639k€740k▲
Fixed assets21/28€474k€439k▼
Tangible fixed assets22/27€474k€439k▼
Land and buildings22€467k€434k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€4k€2k▼
Financial fixed assets28€400€400=
Current assets29/58€164k€301k▲
Amounts receivable after more than one year29-€250k
Other amounts receivable291-€250k
Amounts receivable within one year40/41€362€700▲
Trade receivables40€362€700▲
Cash at bank and in hand54/58€150k€43k▼
Deferred charges and accrued income490/1€14k€7k▼
Equity and liabilities
Total equity and liabilities10/49€639k€740k▲
Equity10/15€441k€616k▲
Contributions10/11€240k€240k=
Capital10€240k€240k=
Issued capital100€240k€240k=
Reserves13€423k€376k▼
Non-distributable reserves130/1€5k€17k▲
Legal reserve130€5k€17k▲
Tax-exempt reserves132€409k€128k▼
Distributable reserves133€9k€231k▲
Profit (loss) carried forward14€-221k-
Provisions and deferred taxes16€136k€43k▼
Deferred taxes168€136k€43k▼
Amounts payable17/49€61k€82k▲
Amounts payable after more than one year17€13k€18k▲
Other amounts payable178/9€13k€18k▲
Amounts payable within one year42/48€47k€62k▲
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Taxes, remuneration and social security45€999€25k▲
Taxes450/3€999€25k▲
Other amounts payable47/48€40k€34k▼
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€481k€193k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59k€29k▼
Other operating charges640/8€25k€23k▼
Gross operating margin9900€579k€316k▼
Operating profit (loss)9901€496k€265k▼
Financial income75/76B€60€3k▲
Recurring financial income75€60€3k▲
Financial charges65/66B€395€320▼
Recurring financial charges65€395€320▼
Profit (loss) for the period before taxes9903€495k€268k▼
Transfer from deferred taxes780-€94k
Transfer to deferred taxes680€43k-
Income taxes67/77€31k€187k▲
Profit (loss) for the period9904€422k€174k▼
Transfer from tax-exempt reserves789-€281k
Transfer to tax-exempt reserves689€128k-
Profit (loss) for the period to be appropriated9905€295k€456k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-221k€234k▲
Profit (loss) brought forward from the previous period14P€-516k€-221k▲
Transfer to equity691/2-€234k
To the legal reserve6920-€12k
To other reserves6921-€223k
The notes to these accounts (7 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €500kEq €616k ▲39.5%
3 profitable years in a row build equity to €616k.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 10current ratio 3.53
Current ratio from 0.34 to 3.53; short-term debt falls from €411k to €47k.
31-12
Financial
Equity above €200kEq €441k ▲2227%
2 profitable years in a row build equity to €441k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €107k
Net result €107k after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-248k ▼167%
Net result drops to €-248k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €1MEq €1.16M ▲46.6%
2 profitable years in a row build equity to €1.16M.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
31-12
Financial
Back to profitnet €450k
Net result €450k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 3.98
Current ratio from 1.36 to 3.98; short-term debt falls from €367k to €126k.
31-12
Financial
Equity above €500kEq €792k ▲132%
Equity rises from €341k to €792k.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
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
7 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, Dilsen-Stokkem · 1 establishment unit since 1994
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.
Hoogbaan 2263650 Dilsen-StokkemGround area
1,327 m²
Building footprint
176 m²
Volume, LiDAR
1,308 m³
Parcel 72032B0674/00D000, Flanders · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
STEVECO NV
since 19942.028.474.490
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72032B0674/00D000 | Flanders | 1,327 m² | 1 · 176 m² | 9.8 m · 3 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.
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ANREBO
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DE BOLLAARD
BE 0859.756.233
Heuvelland · Eq €615,044
IMMOTEX
BE 0462.859.749
Ronse · Eq €615,035
VE.DE.M
BE 0465.011.268
Dendermonde · Eq €616,820
Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 5,008 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 formPublic limited company
Founded10-12-1985
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
35150Electricity, gas, steam and air conditioning supply
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0477 310510
General meetings
1 convocationGeneral meeting
Agenda
Approbation des comptes annuels et affectation du résultat. Décharge des administrateurs. Eventuellement démissions et nomina- tions des administrateurs. Divers. Se conformer aux statuts. Le conseil d’administration. (AOPC-1-9-03041/14.05)