SPINOZ
ActiveSPINOZ has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46k and a net result of €171k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 18% of 16745 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency17▼-23
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.8 against 0.96 in 2024), and 84.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
15.7%
Return on assets
58%
Age of the figures
8 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 16745 sector peers (2025).
NBB · sector comparisonPosition among 16745 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
1 d early
2022
28 d late
2021
30 d late
2020
94 d early
2019
21 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€46k▼ 26.2%
2024 · €63k
2018: €20k
2019: €20k
2020: €20k
2021: €20k
2022: €20k
2023: €20k
2024: €63k
2018 → 2025
Total assets
€294k▲ 24.7%
2024 · €236k
2018: €176k
2019: €140k
2020: €179k
2021: €183k
2022: €174k
2023: €223k
2024: €236k
2018 → 2025
Net result
€171k▼ 6.3%
2024 · €182k
2018: €138k
2019: €77k
2020: €107k
2021: €106k
2022: €109k
2023: €156k
2024: €182k
2018 → 2025
Working capital
€-50k▼ 654%
2024 · €-7k
2018: €12k
2019: €2k
2020: €-8k
2021: €-15k
2022: €-15k
2023: €-15k
2024: €-7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€20k=€20k=€63k▲ 206%€46k▼ 26.2%
Operating result€141k-€149k▲ 5.4%€209k▲ 40.0%€242k▲ 16.0%€229k▼ 5.4%
Net result€106k-€109k▲ 3.1%€156k▲ 42.8%€182k▲ 17.0%€171k▼ 6.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €294k
Fixed assets
€98k▲ 40.2%
Current assets
€196k▲ 18.1%
Equity and liabilities €294k
Equity
€46k▼ 26.2%
Debt
€248k▲ 43.1%
The debt ratio rises from 73.5% to 84.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€245k▼
2024 · €257k
Cash flow
€187k▼
2024 · €197k
Solvency
15.7%▼
2024 · 26.5%
Current ratio
0.80▼
2024 · 0.96
Quick ratio
0.80▼
2024 · 0.96
Debt / equity
5.37▲
2024 · 2.77
ROE
369.7%▲
2024 · 291.1%
ROA
58.0%▼
2024 · 77.3%
Interest coverage
194.33▼
2024 · 1334.79
Debt
€248k▲
2024 · €173k
Debt ≤ 1 year
€245k▲
2024 · €172k
Income taxes
€57k▼
2024 · €60k
Staff costs
€74k▲
2024 · €69k
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€236k€294k▲
Fixed assets21/28€70k€98k▲
Tangible fixed assets22/27€70k€98k▲
Furniture and vehicles24€47k€77k▲
Other tangible fixed assets26€23k€21k▼
Current assets29/58€166k€196k▲
Amounts receivable within one year40/41€52k€41k▼
Trade receivables40€52k€41k▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€111k€132k▲
Deferred charges and accrued income490/1€3k€22k▲
Equity and liabilities
Total equity and liabilities10/49€236k€294k▲
Equity10/15€63k€46k▼
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€42k€26k▼
Amounts payable17/49€173k€248k▲
Amounts payable within one year42/48€172k€245k▲
Financial debts43€474€17▼
Credit institutions430/8€474€17▼
Trade debts44€1k€42k▲
Suppliers440/4€1k€42k▲
Taxes, remuneration and social security45€52k€45k▼
Taxes450/3€35k€25k▼
Remuneration and social security454/9€17k€20k▲
Other amounts payable47/48€118k€158k▲
Accrued charges and deferred income492/3€912€2k▲
Income statement
Code20242025
Non-recurring operating income76A-€6k
Remuneration, social security and pensions62€69k€74k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€17k▲
Other operating charges640/8€496€839▲
Gross operating margin9900€327k€320k▼
Operating profit (loss)9901€242k€229k▼
Financial income75/76B€0€5▲
Recurring financial income75€0€5▲
Financial charges65/66B€193€1k▲
Recurring financial charges65€193€1k▲
Profit (loss) for the period before taxes9903€242k€228k▼
Income taxes67/77€60k€57k▼
Profit (loss) for the period9904€182k€171k▼
Profit (loss) for the period to be appropriated9905€182k€171k▼
Appropriation of the result
Profit (loss) to be appropriated9906€182k€213k▲
Profit (loss) brought forward from the previous period14P-€42k
Profit to be distributed694/7€140k€187k▲
Return on contributions (dividend)694€140k€187k▲
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €182k ▲17%
Operating result €242k, net result €182k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
31-12
Financial
Weakest financial yearnet €77k ▼43.9%
Net result drops to €77k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 55 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 16,793 companies in sector 62100 we hold annual accounts for 8,691. 6,706 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-07-2014
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filings
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.