A. SPIRA

Active

Private limited companyfounded 1968active for 58 yearsPelikaanstraat 78, 2018 Antwerpen, Belgium123 active companies are registered at this addressKBO/BCE: BE 0404.989.945

Summary

A. SPIRA has been active since 1968 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.0m and a net result of €134,280. Equity remains stable across the filed financial years (±0.4% per year). Its solvency ranks better than 95% of 13,632 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow Report Compare

A. SPIRAActiveChecked score 96/100

Risk analysis Report Compare

Activity

Wholesale of diamonds and other precious stones

NACE 46861Wholesale trade NACE 46480

1 site

Size

€2.1mtotal assets 2025

Staff: 2 FTE
Equity: €2.0m
Profit: €134,280

Turnover not published (abbreviated or micro format)

Financial health

96 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: < 0.1%

Structure

Alain SchiffDirector
Jonas SchiffDirector

2025 accounts filed 54 days late1 of 2 deeds summarised

Why 96raises riskLast filed accounts filed 54 days late; 3 of the last 3 latelowers riskFounded in 1968Equity €2.0m (99.1% of total assets)Liquidity: current ratio 114.96, cash €701,784Show the evidence

Checked score

Score 2025

96 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 71% of its sector peers (NACE 46, small)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 99.1% of total assets

Liquidity 92+27

short-term debt 0.9% · cash 34.0%

Profitability 54+34

return on assets 6.5%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (4,373 companies, NACE 46, small)

Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: 0.1%▲ +0.1 percentage points vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.3%▲ +0.2 percentage points vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.2%▼ -0.1 percentage points vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.3%▲ +0.1 percentage points vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.2%▼ -0.1 percentage points vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.4%▲ +0.2 percentage points vs 07-2026 09-2026: 0.4%● unchanged vs 08-2026highest value 10-2026: < 0.1%▼ -0.4 percentage points vs 09-2026lowest value

Credit of up to €190,000 on 30-day terms is acceptable

short-term debt: 0.9% and cash: 34% of total assets, and 0.9% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, small): better than 92% on solvency, 97% on liquidity, 36% on profitability and 60% on growth.

The bankruptcy probability was computed on 25-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises risk

Last filed accounts filed 54 days late; 3 of the last 3 late

NBB · filings

Founded in 1968

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Equity €2.0m (99.1% of total assets)

NBB · annual accounts

Liquidity: current ratio 114.96, cash €701,784

NBB · annual accounts

2025 accounts filed 54 days late

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 10 filings

Deviation from the deadline

2025

54 days late

2024

61 days late

2023

56 days late

2022

60 days late

2021

25 days late

2020

214 days late

2019

109 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 83 days after the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 September (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

25-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

23-09-2026 Annual accounts filedfinancial year 2025 · micro…
31-12-2025 Back to profitnet €134,280
31-12-2025 Equity above €2mequity €2.0m ▲7%

Key points

Positive: Back in profit in 2025after -€133,559 in 2024 €134,280 View
Positive: Among the best 5% on solvencysector median 40.7% · 13,632 companies 99.1% View
Active since 1968founded 01-01-1968 58 years View

By topic

Financials

Financial year: 2025
Total assets: €2.1m
Profit: €134,280
Solvency: 99.1%

Turnover▼ 17.8%

Net result

20182019

Go to Financials

Board & ownership

Board: 2 members

Alain SchiffDirector
Jonas SchiffDirector

Go to Board & ownership

Timeline

Events: 57
Since: 1978
Next accounts: by 31-07-2027

30-09-2025Annual accounts filed
30-01-2025Appointments: Jonas Schiff (director) and Alain Schiff…
25-09-2024Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Wholesale of diamonds and other precious stonesNACE 46861
Founded: 01-01-1968
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 19

Annual meeting: Second Tuesday of April at 11:00
Purpose: “De handel in diamant,ruwe,industrie en/of geslepen,zowel als de bewerking en verwerking…” (deed in Dutch)

Go to Articles of association

Key facts about A. SPIRA

What is the company number of A. SPIRA?: 0404.989.945. In Belgium the VAT number is the company number with BE in front: BE 0404.989.945.
Where is A. SPIRA based?: The registered office is at Pelikaanstraat 78, 2018 Antwerpen.Company details
What does A. SPIRA do?: According to the KBO register, the main activity is wholesale of diamonds and other precious stones (NACE 46861).
What is the legal form of A. SPIRA?: Private limited company (BV).
When was A. SPIRA founded?: On 01-01-1968.
Is A. SPIRA still active?: Yes, A. SPIRA is an active enterprise in the KBO register.
How many employees does A. SPIRA have?: On average 2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of A. SPIRA?: €774,831 in financial year 2019, according to the filed annual accounts.
Is A. SPIRA profitable?: In financial year 2025, A. SPIRA made a profit of €134,280.
Where can I find the annual accounts of A. SPIRA?: A. SPIRA filed 49 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of A. SPIRA due?: By 31-07-2027, for financial year 2026.Timeline