Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 7 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
STEVENS et Co from Waterloo, company number BE0404849789, closed financial year 2025 with a result of € -65,121 after tax. For that financial year STEVENS et Co recorded a gross margin of € 21,015 and equity of € 310,598. Compared with financial year 2024, the result moved from € -54,177 to € -65,121. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 30, 2026.
€ 310,598
▼ 20% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -65,121
▼ 20 % more loss than in 2024
Profit after tax over the fiscal year.
€ 5,425
▼ 28% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 308,098.
People and assets in 2025
€ 27,305
▼ 34% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 895,000
Loans from banks and other lenders, long and short.
€ 4,730
Supplier invoices still open on the last day of the fiscal year.
€ 410
▲ 91% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 43,343 | € 43,548 | € 45,852 | € 21,015 | ▼ 54% |
| Profit after taxes | € -39,835 | € -42,350 | € -54,177 | € -65,121 | ▼ € 10,944 |
| Equity | € 666,873 | € 444,326 | € 390,148 | € 310,598 | ▼ 20% |
| Total debts | € 908,550 | € 1,027,359 | € 1,010,252 | € 1,022,115 | ▲ 1% |
| Cash | € 94,989 | € 8,632 | € 7,541 | € 5,425 | ▼ 28% |
| Land & buildings | € 1,611,955 | € 1,552,584 | € 1,493,214 | € 1,433,843 | ▼ 4% |
| Retained profit | € 598,702 | € 441,826 | € 387,648 | € 308,098 | ▼ 21% |
| Dividend | € 0 | € 114,526 | € 0 | € 0 | |
| Bank debt | € 895,000 | € 895,000 | € 895,000 | € 895,000 | |
| Balance sheet total | € 1,729,920 | € 1,621,372 | € 1,545,278 | € 1,472,781 | ▼ 5% |
Key figures of STEVENS et Co, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to STEVENS et Co?
What happened at STEVENS et Co in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 65,121. Source: NBB ↗
- Christiane Stevens became a director. NBB
- New establishment in Waterloo. KBO
- Start of the company according to the CBE. KBO
In short
From € 39,835 loss in 2022 to € 65,121 loss in 2025.
Paid € 1,014 in corporate taxes since 2022.
Paid out € 114,526 in dividends to the owners in total.
Management
Behind STEVENS et Co is Christiane Stevens.
Directors
According to the 2025 annual accounts
Christiane Stevens
Director
since 2023
Establishments
Establishment units
Physical locations of this company
Avenue Minerve 38
1410 Waterloo
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0404.849.789
- VAT number
- BE 0404.849.789
- Registered office
- Avenue Minerve 38, 1410 Waterloo
- Names & denominations
- STEVENS et Co
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 1 January 1968
- Peppol
- Not registered