Spider
ActiveThe computed 12-month bankruptcy probability of Spider is 1.5% (moderate). The 2025 annual accounts show equity of €136k and a net result of €47k. Equity is growing by ~50.8% per year across the filed fiscal years. Its solvency ranks better than 42% of 13071 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
76
/ 100
Excellent▲ +25 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency33▲+21
Growth78=
Stability100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.18 against 0.63 in 2024), and 78.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
21.4%
Return on assets
7.3%
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 05-06-2026, 56 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
56 d early
2024
37 d early
2023
48 d early
2022
6 d early
2021
27 d early
2020
4 d late
2019
29 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€136k▲ 52.0%
2024 · €90k
2018: €-16k
2019: €-12k
2020: €26k
2021: €44k
2022: €35k
2023: €57k
2024: €90k
2018 → 2025
Total assets
€635k▲ 0.6%
2024 · €632k
2018: €49k
2019: €44k
2020: €63k
2021: €83k
2022: €565k
2023: €573k
2024: €632k
2018 → 2025
Net result
€47k▲ 42.1%
2024 · €33k
2018: €-28k
2019: €4k
2020: €38k
2021: €17k
2022: €-8k
2023: €22k
2024: €33k
2018 → 2025
Working capital
€20k
2024 · €-38k
2018: €-13k
2019: €-15k
2020: €21k
2021: €25k
2022: €-56k
2023: €-53k
2024: €-38k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€44k-€35k▼ 18.8%€57k▲ 60.8%€90k▲ 57.6%€136k▲ 52.0%
Operating result€21k-€-4k€43k€73k▲ 69.4%€90k▲ 23.8%
Net result€17k-€-8k€22k€33k▲ 52.3%€47k▲ 42.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 24% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €635k
Fixed assets
€504k▼ 11.0%
Current assets
€132k▲ 101%
Equity and liabilities €635k
Equity
€136k▲ 52.0%
Debt
€499k▼ 7.9%
The debt ratio falls from 85.8% to 78.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€152k▲
2024 · €129k
Cash flow
€109k▲
2024 · €89k
Solvency
21.4%▲
2024 · 14.2%
Current ratio
1.18▲
2024 · 0.63
Quick ratio
1.05▲
2024 · 0.54
Debt / equity
3.67▼
2024 · 6.05
ROE
34.2%▼
2024 · 36.6%
ROA
7.3%▲
2024 · 5.2%
Interest coverage
7.81▲
2024 · 5.09
Debt
€499k▼
2024 · €542k
Debt ≤ 1 year
€112k▲
2024 · €103k
Debt > 1 year
€387k▼
2024 · €439k
Income taxes
€24k▲
2024 · €15k
Staff costs
€2k▲
2024 · €188
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€632k€635k▲
Fixed assets21/28€566k€504k▼
Intangible fixed assets21€23k€20k▼
Tangible fixed assets22/27€543k€483k▼
Land and buildings22€254k€244k▼
Plant, machinery and equipment23€274k€228k▼
Furniture and vehicles24€15k€11k▼
Current assets29/58€65k€132k▲
Stocks and contracts in progress3€10k€14k▲
Stocks30/36€10k€14k▲
Amounts receivable within one year40/41€3k€840▼
Trade receivables40€1k€0▼
Other amounts receivable41€1k€840▼
Cash at bank and in hand54/58€51k€114k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€632k€635k▲
Equity10/15€90k€136k▲
Contributions10/11€12k€12k=
Reserves13€78k€124k▲
Distributable reserves133€78k€124k▲
Amounts payable17/49€542k€499k▼
Amounts payable after more than one year17€439k€387k▼
Financial debts170/4€439k€387k▼
Amounts payable within one year42/48€103k€112k▲
Current portion of amounts payable after more than one year42€51k€54k▲
Financial debts43€3k€3k▲
Credit institutions430/8€3k€3k▲
Trade debts44€13k€15k▲
Suppliers440/4€13k€15k▲
Taxes, remuneration and social security45€4k€9k▲
Taxes450/3€277€5k▲
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€32k€31k▼
Accrued charges and deferred income492/3-€56
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€188€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€62k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€130k€155k▲
Operating profit (loss)9901€73k€90k▲
Financial income75/76B€177€27▼
Recurring financial income75€177€27▼
Financial charges65/66B€25k€19k▼
Recurring financial charges65€25k€19k▼
Profit (loss) for the period before taxes9903€47k€70k▲
Income taxes67/77€15k€24k▲
Profit (loss) for the period9904€33k€47k▲
Profit (loss) for the period to be appropriated9905€33k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€47k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€33k€47k▲
To other reserves6921€33k€47k▲
The notes to these accounts (15 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €47k ▲42.1%
Operating result €90k, net result €47k, both a record.
31-12
Financial
Equity above €100kEq €136k ▲52%
3 profitable years in a row build equity to €136k.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
31-12
Financial
Liquidity times 5current ratio 2.20
Current ratio from 0.48 to 2.20; short-term debt falls from €29k to €18k.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Oostkamp · 1 establishment unit since 2017
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.
Sint-Elooisstraat 148020 OostkampGround area
299 m²
Building footprint
102 m²
Volume, LiDAR
530 m³
Parcel 31025G0029/00W000, Flanders · tallest building 10.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
De Berehap
since 20172.264.955.146
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31025G0029/00W000 | Flanders | 299 m² | 1 · 102 m² | 10.5 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 4,000 EUR awarded · 4,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
| 2022 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteOostkamp2.264.955.146
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ROUNGNAK-GROUP
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QUATRE VINS BRUGGE
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Of 20,231 companies in sector 56111 we hold annual accounts for 11,313. 9,098 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-05-2017
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.