Financials
- Financial year
- 2025
- Total assets
- €13.2m
- Loss
- -€96,438
- Solvency
- 29.2%
Total assets▲ 7.8%
Net result
20182025
Summary
ESPEJO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €3.8m and a net result of -€96,438. Equity remains stable across the filed financial years (±1.2% per year). Its solvency ranks better than 23% of 3,012 sector peers (NACE 64, financial year 2025). The company has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Activities of holding companies
NACE 64210Renting and operating of own or leased residential real estate, excluding social housing NACE 68201
7th largest company by total assets in Destelbergen, Finance and insurance sector3 sites
Size
€13.2mtotal assets 2025
- Staff
- 1.3 FTE
- Equity
- €3.8m
- Loss
- -€96,438
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
- Board
- 4 members
- Holdings
- 7
- Filip De SpiegeleireChair
2025 accounts 7 days early5 of 9 deeds summarised
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
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Signals
1 signal.
neutral
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 24-07-2026, 7 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
7 days early
2024
6 days early
2023
on the day
2022
on the day
2021
23 days late
2020
30 days early
2019
44 days early
← 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 9 days before the deadline; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · 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 31 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
25-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · full…
- Appointments: Kathia Snick, Thomas De Spiegeleire…Approval
- Capital & shares · RestructuringMerger · Shareholding · Share…
Key points
- Caution: Among the weakest 17% on net resultsector median €106,241 · 3,014 companies -€96,438 View
- New directorslatest change 20-04-2026 · 4 in office 4 joined View
- Merger with DEPOT 52merger on 06-02-2026 2026 View
- Caution: 2 loss-making years in a rowloss financial year 2025 -€96,438 View
- Heads a groupcompanies controlled 7 View
- Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View
By topic
Board & ownership
- Board
- 4 members
- Filip De SpiegeleireChair
- Kathia SnickDirector
- Thomas De SpiegeleireDirector
- Victor De SpiegeleireDirector
Network & group
- Subsidiaries, all levels
- 7
- Connected companies
- 1
- Mergers and asset contributions
- 1
7 subsidiaries
Timeline
- Events
- 17
- Since
- 2018
- Next accounts
- by 31-07-2027
- 07-05-2026Registered office
- 05-05-2026Resignation: DE SPIEGELEIRE Filip (sole director)
- 24-02-2026Restructuring
Company details
- Sites
- 3
- Legal form
- Public limited company
- Activity
- Activities of holding companiesNACE 64210
- Founded
- 09-06-2016
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 43
- Who signs
- Two directors jointly, or a managing director alone
- Annual meeting
- Second Friday of June at 15:00
- Purpose
- “Alle financiële en beheersverrichtingen met betrekking tot eigen roerend vermogen en met…” (deed in Dutch)
Key facts about ESPEJO
- What is the company number of ESPEJO?
- 0656.535.590. In Belgium the VAT number is the company number with BE in front: BE 0656.535.590.
- Where is ESPEJO based?
- The registered office is at Schaessestraat 13, 9070 Destelbergen.Company details
- What does ESPEJO do?
- According to the KBO register, the main activity is activities of holding companies (NACE 64210).
- What is the legal form of ESPEJO?
- Public limited company (NV).
- When was ESPEJO founded?
- On 09-06-2016.
- Is ESPEJO still active?
- Yes, ESPEJO is an active enterprise in the KBO register.
- How many employees does ESPEJO have?
- On average 1.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of ESPEJO?
- Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
- Is ESPEJO profitable?
- In financial year 2025, ESPEJO made a loss of €96,438.
- Where can I find the annual accounts of ESPEJO?
- ESPEJO filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ESPEJO due?
- By 31-07-2027, for financial year 2026.Timeline
Companies related to ESPEJO
Subsidiaries and holdings
- DEPOT 52100%
- GWALPE100%
- Leopold Van de Casserie100%
- Boulangerie Bloch80%
- LOODS 1380%
- LOGIVEST25%
Comparable companies
- ADEMAR MANAGEMENTBrugge
- FrisofinaWijnegem
- GENTOOOudsbergen
- ELATUSBeernem
- DerzieZele
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How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
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