STEVEN CALLENS
ActiveSummary
STEVEN CALLENS has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €462k and a net result of €38k. Equity is growing by ~20.2% per year across the filed fiscal years. Its solvency ranks better than 61% of 3291 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75=
Solvency82▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity tight (current ratio 1.0 against 1.2 in 2024; short-term debt: 15.2% and cash: 10% of total assets), and 43.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
56.9%
Return on assets
4.6%
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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
19 d late
2024
28 d late
2023
29 d late
2022
23 d late
2021
11 d late
2020
1 d early
2019
on the day
← 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
€462k▼ 3.0%
2024 · €476k
2018: €159k
2019: €175k
2020: €203k
2021: €254k
2022: €356k
2023: €447k
2024: €476k
2018 → 2025
Total assets
€812k▼ 3.9%
2024 · €844k
2018: €483k
2019: €488k
2020: €481k
2021: €559k
2022: €972k
2023: €962k
2024: €844k
2018 → 2025
Net result
€38k▼ 16.8%
2024 · €45k
2018: €35k
2019: €20k
2020: €28k
2021: €51k
2022: €102k
2023: €91k
2024: €45k
2018 → 2025
Working capital
€393▼ 97.8%
2024 · €18k
2018: €20k
2019: €13k
2020: €3k
2021: €-72k
2022: €-119k
2023: €-29k
2024: €18k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€254k-€356k▲ 39.9%€447k▲ 25.6%€476k▲ 6.6%€462k▼ 3.0%
Operating result€83k-€163k▲ 96.1%€147k▼ 10.0%€74k▼ 49.5%€58k▼ 22.2%
Net result€51k-€102k▲ 99.5%€91k▼ 10.4%€45k▼ 50.2%€38k▼ 16.8%
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 has fallen three years in a row; 2025 is 22% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €812k
Fixed assets
€688k ▼ 6.8%
Current assets
€124k ▲ 16.3%
Equity and liabilities €812k
Equity
€462k ▼ 3.0%
Debt
€350k ▼ 5.0%
Debt's share of the balance-sheet total falls from 43.6% to 43.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€122k▼
2024 · €146k
Cash flow
€102k▼
2024 · €117k
Current ratio
1.00▼
2024 · 1.20
Debt to equity
0.76▼
2024 · 0.77
ROE
8.2%▼
2024 · 9.5%
ROA
4.6%▼
2024 · 5.4%
Interest coverage
12.93▼
2024 · 13.31
Debt ≤ 1 year
€123k▲
2024 · €89k
Debt > 1 year
€226k▼
2024 · €280k
Income taxes
€12k▼
2024 · €18k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€844k€812k▼
Fixed assets21/28€738k€688k▼
Tangible fixed assets22/27€648k€598k▼
Land and buildings22€639k€583k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€4k€11k▲
Financial fixed assets28€90k€90k=
Current assets29/58€106k€124k▲
Amounts receivable within one year40/41€51k€39k▼
Trade receivables40€37k€0▼
Other amounts receivable41€13k€39k▲
Cash at bank and in hand54/58€55k€81k▲
Deferred charges and accrued income490/1€608€3k▲
Equity and liabilities
Total equity and liabilities10/49€844k€812k▼
Equity10/15€476k€462k▼
Contributions10/11€19k€19k=
Reserves13€420k€405k▼
Distributable reserves133€420k€405k▼
Profit (loss) carried forward14€37k€38k▲
Amounts payable17/49€368k€350k▼
Amounts payable after more than one year17€280k€226k▼
Financial debts170/4€280k€226k▼
Amounts payable within one year42/48€89k€123k▲
Current portion of amounts payable after more than one year42€51k€53k▲
Trade debts44€2k€9k▲
Suppliers440/4€2k€9k▲
Taxes, remuneration and social security45€19k€10k▼
Taxes450/3€19k€10k▼
Other amounts payable47/48€16k€52k▲
Income statement
Code20242025
Non-recurring operating income76A-€16k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€71k€65k▼
Other operating charges640/8€3k€6k▲
Gross operating margin9900€148k€128k▼
Operating profit (loss)9901€74k€58k▼
Financial income75/76B€0€1k▲
Recurring financial income75€0€1k▲
Financial charges65/66B€11k€9k▼
Recurring financial charges65€11k€9k▼
Profit (loss) for the period before taxes9903€63k€49k▼
Income taxes67/77€18k€12k▼
Profit (loss) for the period9904€45k€38k▼
Profit (loss) for the period to be appropriated9905€45k€38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€81k€75k▼
Profit (loss) brought forward from the previous period14P€36k€37k▲
Transfer from equity791/2€16k€52k▲
Transfer to equity691/2€44k€37k▼
To other reserves6921€44k€37k▼
Profit to be distributed694/7€16k€52k▲
Return on contributions (dividend)694€16k€52k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (20 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 19 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 23 days late
2022
31-12
Financial
Highest result since 2018net €102k ▲99.5%
Operating result €163k, net result €102k, both a record.
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €203k ▲16%
3 profitable years in a row build equity to €203k.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €20k ▼42.9%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
2016
07-11
State Gazette act
General meeting · Director appointment
Permanent representative
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Gent
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.
Alfons Biebuycklaan 229050 GentGround area
522 m²
Building footprint
170 m²
Volume, LiDAR
1,146 m³
Parcel 44363B0432/00C003, Flanders · tallest building 13.5 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44363B0432/00C003 | Flanders | 522 m² | 1 · 170 m² | 13.5 m · 2 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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
Similar companies · same sector, comparable size
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Frank Wijckmans
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CARL DOTREMONT
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Antoon Vandecasteele, advocaat
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Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 6,058 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
Founded03-04-2008
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.