SPEDIX
ActiveSPEDIX has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71k and a net result of €-3k. Equity is shrinking by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 34% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▼-1
Solvency55▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.44 against 1.44 in 2024; short-term debt: 69.5% and cash: 0% of total assets), and 69.5% 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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
30.5%
Return on assets
-1.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 12-01-2026, 19 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
19 d early
2024
44 d early
2023
27 d early
2022
6 d early
2021
5 d early
2020
33 d late
2019
367 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€71k▼ 3.7%
2024 · €73k
2019: €147k
2020: €91k
2021: €78k
2022: €79k
2023: €75k
2024: €73k
2019 → 2025
Total assets
€232k▼ 1.3%
2024 · €235k
2019: €351k
2020: €282k
2021: €381k
2022: €380k
2023: €233k
2024: €235k
2019 → 2025
Net result
€-3k▼ 58.7%
2024 · €-2k
2019: €11k
2020: €-56k
2021: €-12k
2022: €401
2023: €-3k
2024: €-2k
2019 → 2025
Working capital
€71k▼ 1.0%
2024 · €71k
2019: €131k
2020: €82k
2021: €76k
2022: €77k
2023: €73k
2024: €71k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€78k-€79k▲ 0.5%€75k▼ 4.4%€73k▼ 2.3%€71k▼ 3.7%
Operating result€-12k-€1k€-3k€-2k▲ 40.4%€-3k▼ 43.5%
Net result€-12k-€401€-3k€-2k▲ 50.7%€-3k▼ 58.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €2k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €232k
Equity
€71k▼ 3.7%
Debt
€161k▼ 0.2%
The debt ratio rises from 68.8% to 69.5%. Equity and debt are lower.
Key figures and ratios
Solvency
30.5%▼
2024 · 31.2%
Current ratio
1.44▼
2024 · 1.44
Quick ratio
1.44▼
2024 · 1.44
Debt / equity
2.28▲
2024 · 2.20
ROE
-3.8%▼
2024 · -2.3%
ROA
-1.2%▼
2024 · -0.7%
Debt
€161k▼
2024 · €162k
Debt ≤ 1 year
€161k▼
2024 · €162k
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€235k€232k▼
Fixed assets21/28€2k-
Financial fixed assets28€2k-
Current assets29/58€233k€232k▼
Amounts receivable within one year40/41€233k€232k▼
Trade receivables40€211k€211k=
Other amounts receivable41€23k€22k▼
Cash at bank and in hand54/58€23€5▼
Equity and liabilities
Total equity and liabilities10/49€235k€232k▼
Equity10/15€73k€71k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€53k€50k▼
Amounts payable17/49€162k€161k▼
Amounts payable within one year42/48€162k€161k▼
Trade debts44€102-
Suppliers440/4€102-
Advances received on contracts in progress46€6k€6k=
Other amounts payable47/48€156k€155k▼
Income statement
Code20242025
Gross operating margin9900€-2k€-3k▼
Operating profit (loss)9901€-2k€-3k▼
Financial income75/76B€427€454▲
Recurring financial income75€427€454▲
Financial charges65/66B€146€310▲
Recurring financial charges65€146€310▲
Profit (loss) for the period before taxes9903€-2k€-3k▼
Profit (loss) for the period9904€-2k€-3k▼
Profit (loss) for the period to be appropriated9905€-2k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€53k€50k▼
Profit (loss) brought forward from the previous period14P€55k€53k▼
The notes to these accounts (7 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
12-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
18-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
04-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €401
Net result €401 after 2 loss-making years.
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 33 days late
01-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 367 days late
2020
30-06
Financial
Weakest financial yearnet €-56k ▼624%
Net result drops to €-56k, the lowest in the series; recovery starts the following year.
2019
06-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 34 days late
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
01-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are 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, Brussel · 1 establishment unit since 2008
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.
Picardstraat 71000 BrusselGround area
4.4 ha
Building footprint
3.9 ha
Volume, LiDAR
615,702 m³
Parcel 21814P0441/00B000, Brussels · tallest building 34.0 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Spedix
since 20082.171.872.362
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21814P0441/00B000 | Brussels | 4.4 ha | 1 · 3.9 ha | 34.0 m · 6 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 24,503 companies in sector 82990 we hold annual accounts for 9,404. 7,105 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-04-2008
Fiscal year end30-06
Activities, NACEBEL
82990Other business support services
47120Other non-specialised retail sale
47191Retail trade
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.