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SPAMEE

Active
Private limited company·Activiteiten van holdings· 2 yrs active
Bleukenlaan 13 ·2300 Turnhout, Belgium
KBO/BCE: BE 1003.407.491
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Age2 yrs
Real estate1 parcel · 4,282 m²

Summary

Conclusion

the dossier summarised in one paragraph

SPAMEE 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 €635k and a net result of €85k. Its solvency ranks better than 29% of 1211 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-03. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-03-2025, that is 31-10-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-03-2025 31-10-2025 30-10-2025 1 d early 2025-00554734

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€635k
Net result€85k
Total assets€3.10M
Solvency20.5%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 30-10-2025 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 20.5% 47.4%
better than 29% of 1211 sector peers
Net result €85k €43k
better than 73% of 1210 sector peers
Equity €635k €85k
better than 92% of 1211 sector peers
Gross operating margin €238k €70k
better than 89% of 1207 sector peers
Staff costs €2k €7k
higher than 33% of 86 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2025
Depositmicro
Revenuen/a
EBITDAn/a
Net profit€85k
Cash flown/a
Staff costs€2k
Income taxes€29k
Dividends-
Total assets€3.10M
Equity€635k
Debt€2.47M
of which ≤ 1y€362k
of which > 1y€2.10M
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2025
Current ration/a
Quick ration/a
Working capital ration/a
Solvency20.5%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA2.7%
ROE13.4%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€3.10M
Fixed assets 21/28€3.00M
Financial fixed assets 28€3.00M
Current assets 29/58€103k
Amounts receivable within one year 40/41€84k
Cash & bank 54/58€19k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€3.10M
Equity 10/15€635k
Contributions / capital 10/11€550k
Reserves 13€85k
Amounts payable 17/49€2.47M
Amounts payable after one year 17€2.10M
Amounts payable within one year 42/48€362k
Income statement
Gross operating margin 9900€238k
Operating result 9901€235k
Financial charges 65€122k
Result before taxes 9903€113k
Income taxes 67/77€29k
Net result for the period 9904€85k
Result to be appropriated 9905€85k
Ratios computed by Checked.

Health barometer

FY 2025 · computed
Model not applicable to financial institutions
The health 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.

Structure & network

Locations & real estate

Establishment units

1 location
SPAMEE
Bleukenlaan 13, 2300 TurnhoutHoldings
since 20232.353.112.310
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area4,282 m²
Buildings1
Building footprint777 m²
Volume (LiDAR)3,276 m³
Tallest building8.7 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
13452M0757/00C003 Flanders 4,282 m² 1 · 777 m² 8.7 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health-Profitability67Solvency15Growth-Stability67
50 / 100

This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.

Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 67
Solvency 15
Growth -
Stability 67

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Adviesbureaus op het gebied van public relations en communicatie70210Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Activiteiten van adviesbureaus op het gebied van public relations en communicatie73300Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameNL SPAMEE
Registered office
Bleukenlaan 13
2300 Turnhout, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.