BSPT
ActiveSummary
The computed 12-month bankruptcy probability of BSPT is 2.6% (moderate). The 2024 annual accounts show equity of €55k and a net result of €31k. Its solvency ranks better than 48% of 36375 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency70▲+6
Growth78
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.82 against 1.64 in 2023; short-term debt: 54.8% and cash: 18.3% of total assets), but 54.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
45.2%
Return on assets
25.4%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-07-2025, 14 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
14 d early
2023
30 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€55k▲ 128%
2023 · €24k
2023: €24k
2024: €55k▲ +128% vs 2023
2023 → 2024
Total assets
€122k▲ 96.6%
2023 · €62k
2023: €62k
2024: €122k▲ +96.6% vs 2023
2023 → 2024
Net result
€31k▲ 39.5%
2023 · €22k
2023: €22k
2024: €31k▲ +39.5% vs 2023
2023 → 2024
Working capital
€55k▲ 128%
2023 · €24k
2023: €24k
2024: €55k▲ +128% vs 2023
2023 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€24k-€55k▲ 128%
2023: €24k
2024: €55k▲ +128% vs 2023
Operating result€33k-€51k▲ 55.0%
2023: €33k
2024: €51k▲ +55.0% vs 2023
Net result€22k-€31k▲ 39.5%
2023: €22k
2024: €31k▲ +39.5% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 55% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €122k
Equity
€55k ▲ 128%
Debt
€67k ▲ 76.6%
Debt's share of the balance-sheet total falls from 61.0% to 54.8%. Equity and debt are higher.
Key figures and ratios
Current ratio
1.82▲
2023 · 1.64
Debt to equity
1.21▼
2023 · 1.57
ROE
56.1%▼
2023 · 91.7%
ROA
25.4%▼
2023 · 35.8%
Debt ≤ 1 year
€67k▲
2023 · €38k
Income taxes
€17k▲
2023 · €10k
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 · 2024 against 2023 · 38 lines
Balance sheet
Code20232024
Assets
Total assets20/58€62k€122k▲
Formation expenses20€0€0=
Current assets29/58€62k€122k▲
Amounts receivable within one year40/41€58k€100k▲
Trade receivables40€23k€22k▼
Other amounts receivable41€35k€78k▲
Cash at bank and in hand54/58€4k€22k▲
Equity and liabilities
Total equity and liabilities10/49€62k€122k▲
Equity10/15€24k€55k▲
Contributions10/11€2k€2k=
Reserves13€22k€53k▲
Non-distributable reserves130/1€22k-
Reserves not available under the articles1311€22k-
Distributable reserves133-€53k
Profit (loss) carried forward14€5€15▲
Amounts payable17/49€38k€67k▲
Amounts payable within one year42/48€38k€67k▲
Trade debts44€18k€43k▲
Suppliers440/4€18k€43k▲
Taxes, remuneration and social security45€10k€15k▲
Taxes450/3€10k€15k▲
Other amounts payable47/48€10k€9k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€792-
Other operating charges640/8€3k€979▼
Gross operating margin9900€37k€52k▲
Operating profit (loss)9901€33k€51k▲
Financial income75/76B€10€287▲
Recurring financial income75€10€287▲
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€32k€48k▲
Income taxes67/77€10k€17k▲
Profit (loss) for the period9904€22k€31k▲
Profit (loss) for the period to be appropriated9905€22k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€31k▲
Profit (loss) brought forward from the previous period14P-€5
Transfer to equity691/2€22k€31k▲
To other reserves6921€22k€31k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €792 | - | - |
| Other operating charges640/8 | €3k | €979 | ▼ 65.6% |
| Gross operating margin9900 | €37k | €52k | ▲ 42.3% |
| Operating profit (loss)9901 | €33k | €51k | ▲ 55.0% |
| Financial income75/76B | €10 | €287 | ▲ 2,644% |
| Recurring financial income75 | €10 | €287 | ▲ 2,644% |
| Financial charges65/66B | €1k | €4k | ▲ 173% |
| Recurring financial charges65 | €1k | €4k | ▲ 173% |
| Profit (loss) for the period before taxes9903 | €32k | €48k | ▲ 51.0% |
| Income taxes67/77 | €10k | €17k | ▲ 77.6% |
| Profit (loss) for the period9904 | €22k | €31k | ▲ 39.5% |
| Profit (loss) for the period to be appropriated9905 | €22k | €31k | ▲ 39.5% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €62k | €122k | ▲ 96.6% |
| Formation expenses20 | €0 | €0 | - |
| Current assets29/58 | €62k | €122k | ▲ 96.6% |
| Amounts receivable within one year40/41 | €58k | €100k | ▲ 71.0% |
| Trade receivables40 | €23k | €22k | ▼ 6.2% |
| Other amounts receivable41 | €35k | €78k | ▲ 122% |
| Cash at bank and in hand54/58 | €4k | €22k | ▲ 493% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €62k | €122k | ▲ 96.6% |
| Equity10/15 | €24k | €55k | ▲ 128% |
| Contributions10/11 | €2k | €2k | = |
| Reserves13 | €22k | €53k | ▲ 139% |
| Non-distributable reserves130/1 | €22k | - | - |
| Reserves not available under the articles1311 | €22k | - | - |
| Distributable reserves133 | - | €53k | - |
| Profit (loss) carried forward14 | €5 | €15 | ▲ 176% |
| Amounts payable17/49 | €38k | €67k | ▲ 76.6% |
| Amounts payable within one year42/48 | €38k | €67k | ▲ 76.6% |
| Trade debts44 | €18k | €43k | ▲ 137% |
| Suppliers440/4 | €18k | €43k | ▲ 137% |
| Taxes, remuneration and social security45 | €10k | €15k | ▲ 56.2% |
| Taxes450/3 | €10k | €15k | ▲ 56.2% |
| Other amounts payable47/48 | €10k | €9k | ▼ 14.0% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €22k | €31k | ▲ 39.5% |
| + Depreciation and write-downs630 | €792 | - | - |
| Operating cash flow (approximation) | €23k | €31k | ▲ 34.7% |
| Change in cash | - | €19k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Assenede · 1 establishment unit since 2022
Ground area
1,319 m²
Building footprint
253 m²
Volume, LiDAR
1,031 m³
Parcel 43003B0961/00X003, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BSPT
since 20222.330.638.103
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43003B0961/00X003 | Flanders | 1,319 m² | 1 · 253 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 368 companies in sector 43421 we hold annual accounts for 205. 171 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded26-04-2022
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43421Specialised construction activities
43230Insulation installation
43350Other building finishing work
43410Roofing work
81220Other building cleaning and industrial cleaning
Contact
E-mail
borms.spt@gmail.com
Scores and ratios are computed by Checked and are not a credit decision.