Spinsel
ActiveSpinsel has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €206k and a net result of €65k. Equity is growing by ~29% per year across the filed fiscal years. Its solvency ranks better than 95% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 22.01 against 2.8 in 2024; short-term debt: 4.5% and cash: 26.5% of total assets), and 4.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 →
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
95.5%
Return on assets
29.9%
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 19-11-2025, 73 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
73 d early
2024
92 d early
2023
64 d early
2022
70 d early
2021
83 d early
2020
87 d early
← 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 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€206k▲ 43.9%
2024 · €143k
2020: €28k
2021: €64k
2022: €103k
2023: €143k
2024: €143k
2020 → 2025
Total assets
€216k▼ 2.7%
2024 · €222k
2020: €54k
2021: €116k
2022: €145k
2023: €183k
2024: €222k
2020 → 2025
Net result
€65k▼ 2.5%
2024 · €66k
2020: €23k
2021: €38k
2022: €28k
2023: €42k
2024: €66k
2020 → 2025
Working capital
€203k▲ 43.3%
2024 · €142k
2020: €14k
2021: €83k
2022: €99k
2023: €142k
2024: €142k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€103k▲ 59.6%€143k▲ 39.4%€143k=€206k▲ 43.9%
Operating result€54k-€38k▼ 28.4%€61k▲ 58.2%€83k▲ 36.6%€79k▼ 4.8%
Net result€38k-€28k▼ 27.8%€42k▲ 52.4%€66k▲ 57.5%€65k▼ 2.5%
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 €216k
Fixed assets
€3k▲ 90.1%
Current assets
€213k▼ 3.4%
Equity and liabilities €216k
Equity
€206k▲ 43.9%
Debt
€10k▼ 87.7%
The debt ratio falls from 35.4% to 4.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€80k▼
2024 · €84k
Cash flow
€66k▼
2024 · €68k
Solvency
95.5%▲
2024 · 64.6%
Current ratio
22.01▲
2024 · 2.80
Quick ratio
22.01▲
2024 · 2.80
Debt / equity
0.05▼
2024 · 0.55
ROE
31.3%▼
2024 · 46.2%
ROA
29.9%▲
2024 · 29.9%
Interest coverage
1060.43▼
2024 · 1570.56
Debt
€10k▼
2024 · €79k
Debt ≤ 1 year
€10k▼
2024 · €79k
Income taxes
€17k▼
2024 · €17k
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€222k€216k▼
Fixed assets21/28€2k€3k▲
Tangible fixed assets22/27€2k€3k▲
Furniture and vehicles24€474€2k▲
Other tangible fixed assets26€1k€932▼
Current assets29/58€220k€213k▼
Amounts receivable within one year40/41€15k€26k▲
Trade receivables40€13k€26k▲
Other amounts receivable41€1k€884▼
Current investments50/53€59k€127k▲
Cash at bank and in hand54/58€144k€57k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€222k€216k▼
Equity10/15€143k€206k▲
Contributions10/11€19k€19k=
Reserves13€125k€188k▲
Tax-exempt reserves132€256€256=
Distributable reserves133€125k€187k▲
Amounts payable17/49€79k€10k▼
Amounts payable within one year42/48€79k€10k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45-€6k
Taxes450/3-€6k
Other amounts payable47/48€77k€3k▼
Income statement
Code20242025
Non-recurring operating income76A-€307
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€525€531▲
Gross operating margin9900€85k€81k▼
Operating profit (loss)9901€83k€79k▼
Financial income75/76B€636€2k▲
Recurring financial income75€636€2k▲
Financial charges65/66B€54€76▲
Recurring financial charges65€54€76▲
Profit (loss) for the period before taxes9903€84k€81k▼
Income taxes67/77€17k€17k▼
Profit (loss) for the period9904€66k€65k▼
Profit (loss) for the period to be appropriated9905€66k€65k▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€65k▼
Transfer to equity691/2-€63k
To other reserves6921-€63k
Profit to be distributed694/7€66k€2k▼
Return on contributions (dividend)694€66k€2k▼
The notes to these accounts (5 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
2025
19-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Liquidity times 8current ratio 22.01
Current ratio from 2.80 to 22.01; short-term debt falls from €79k to €10k.
30-06
Financial
Equity above €200kEq €206k ▲43.9%
6 profitable years in a row build equity to €206k.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Highest result since 2020net €66k ▲57.5%
Operating result €83k, net result €66k, both a record.
2023
28-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
22-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Equity above €100kEq €103k ▲59.6%
3 profitable years in a row build equity to €103k.
2021
09-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Liquidity triplescurrent ratio 4.41
Current ratio from 1.55 to 4.41; short-term debt falls from €26k to €24k.
2020
05-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Deinze · 1 establishment unit since 2019
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.
Koningin Astridstraat 259800 DeinzeGround area
221 m²
Building footprint
42 m²
Volume, LiDAR
315 m³
Parcel 44054B0447/00W002, Flanders · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Spinsel
since 20192.285.741.949
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44054B0447/00W002 | Flanders | 221 m² | 1 · 42 m² | 10.0 m · 3 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.
Similar companies · same sector, comparable size
PosIT
BE 0779.976.406
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Designate
BE 0718.766.238
Heusden-Zolder · Eq €206k
Matriese
BE 0630.814.655
Merelbeke-Melle · Eq €206k
TEKTONICA
BE 0471.678.336
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Rationalize-IT
BE 0679.606.645
Neupré · Eq €206k
Of 29,992 companies in sector 62200 we hold annual accounts for 18,386. 14,603 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-02-2019
Fiscal year end30-06
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
47400Retail sale of information and communication equipment
47410Retail trade
47420Retail trade
62010Computer programming, consultancy and related activities
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
74103Other professional, scientific and technical activities
74109Other professional, scientific and technical activities
74120Graphic design and visual communication
74140Other specialised design activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.