SPARKL
ActiveSPARKL has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €784k and a net result of €15k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 58% of 8589 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability9▲+2
Solvency65=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity short (current ratio 0.07 against 0.12 in 2024), and 39.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
60.6%
Return on assets
1.1%
Age of the figures
8 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
31 d early
2024
22 d late
2023
1 d early
2022
28 d late
2021
31 d late
2020
27 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€15k▲ 26.4%
2024 · €11k
2020: €305k
2021: €85k
2022: €162k
2023: €135k
2024: €11k
2020 → 2025
Working capital
€-288k▼ 83.0%
2024 · €-157k
2020: €36k
2021: €-23k
2022: €-4k
2023: €-19k
2024: €-157k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€470k-€631k▲ 34.4%€764k▲ 21.0%€772k▲ 1.1%€784k▲ 1.5%
Operating result€36k-€35k▼ 1.4%€29k▼ 18.7%€31k▲ 7.5%€30k▼ 2.4%
Net result€85k-€162k▲ 91.1%€135k▼ 16.6%€11k▼ 91.5%€15k▲ 26.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.29M
Fixed assets
€1.27M▼ 0.4%
Current assets
€22k▲ 0.5%
Equity and liabilities €1.29M
Equity
€784k▲ 1.5%
Debt
€509k▼ 3.1%
The debt ratio falls from 40.5% to 39.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€31k▼
2024 · €34k
Cash flow
€15k▲
2024 · €15k
Solvency
60.6%▲
2024 · 59.5%
Current ratio
0.07▼
2024 · 0.12
Quick ratio
0.07▼
2024 · 0.12
Debt / equity
0.65▼
2024 · 0.68
ROE
1.9%▲
2024 · 1.5%
ROA
1.1%▲
2024 · 0.9%
Interest coverage
2.78▲
2024 · 2.44
Debt
€509k▼
2024 · €525k
Debt ≤ 1 year
€310k▲
2024 · €179k
Debt > 1 year
€199k▼
2024 · €345k
Income taxes
€4k▼
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.30M€1.29M▼
Fixed assets21/28€1.28M€1.27M▼
Tangible fixed assets22/27€6k€2k▼
Furniture and vehicles24€5k€513▼
Other tangible fixed assets26€1k€1k▼
Financial fixed assets28€1.27M€1.27M=
Current assets29/58€21k€22k▲
Amounts receivable within one year40/41€7k€2k▼
Trade receivables40€0€1k▲
Other amounts receivable41€7k€629▼
Cash at bank and in hand54/58€14k€19k▲
Deferred charges and accrued income490/1€642€881▲
Equity and liabilities
Total equity and liabilities10/49€1.30M€1.29M▼
Equity10/15€772k€784k▲
Contributions10/11€80k€80k=
Profit (loss) carried forward14€692k€704k▲
Amounts payable17/49€525k€509k▼
Amounts payable after more than one year17€345k€199k▼
Financial debts170/4€345k€199k▼
Amounts payable within one year42/48€179k€310k▲
Current portion of amounts payable after more than one year42€161k€172k▲
Trade debts44€331€1k▲
Suppliers440/4€331€1k▲
Taxes, remuneration and social security45€10k€9k▼
Taxes450/3€8k€7k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€7k€127k▲
Accrued charges and deferred income492/3€1k€52▼
Income statement
Code20242025
Non-recurring operating income76A-€8k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€699▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€36k€32k▼
Operating profit (loss)9901€31k€30k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€14k€11k▼
Recurring financial charges65€14k€11k▼
Profit (loss) for the period before taxes9903€17k€19k▲
Income taxes67/77€5k€4k▼
Profit (loss) for the period9904€11k€15k▲
Profit (loss) for the period to be appropriated9905€11k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€695k€707k▲
Profit (loss) brought forward from the previous period14P€684k€692k▲
Profit to be distributed694/7€3k€3k=
Return on contributions (dividend)694€3k€3k=
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 22 days late
2024
31-12
Financial
Weakest financial yearnet €11k ▼91.5%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
2022
31-12
Financial
Equity above €500kEq €631k ▲34.4%
3 profitable years in a row build equity to €631k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Villers-la-Ville · 1 establishment unit since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Avenue Pont des Prêcheurs 191495 Villers-la-VilleGround area
1,816 m²
Building footprint
169 m²
Volume, LiDAR
914 m³
Parcel 25102B0086/00T002, Wallonia · tallest building 22.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SPARKL
since 20202.300.248.496
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25102B0086/00T002 | Wallonia | 1,816 m² | 1 · 169 m² | 22.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 82,215 companies in sector 70200 we hold annual accounts for 52,392. 30,344 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:armandleloup@gmail.com