Spioen
ActiveSpioen has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €447. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 19% of 1309 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+16
Solvency41=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 1.13 in 2024; short-term debt: 49.7% and cash: 18.4% of total assets), and 84.2% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 33
Relative position
BE, all sectors
reference
Sector 33
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
15.8%
Return on assets
0.3%
Age of the figures
9 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 1309 sector peers (2025).
NBB · sector comparisonPosition among 1309 sector peers
Solvency
better than 19%
← weakest
strongest →
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 29-04-2026, 93 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
93 d early
2024
9 d early
2023
6 d late
2022
31 d late
2021
101 d late
2020
2 d early
2019
17 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€122k
EBIT margin
1.3%
Net result
€447
2024 · €-3k
2019: €42k
2020: €4k
2021: €3k
2022: €4k
2023: €186
2024: €-3k
2019 → 2025
Working capital
€9k▲ 13.0%
2024 · €8k
2019: €33k
2020: €40k
2021: €45k
2022: €51k
2023: €51k
2024: €8k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€122k
Equity€61k-€65k▲ 6.9%€66k▲ 0.3%€22k▼ 65.9%€23k▲ 2.0%
Operating result€5k-€7k▲ 40.7%€2k▼ 77.4%€-2k€1k
Net result€3k-€4k▲ 53.7%€186▼ 95.6%€-3k€447
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €145k
Fixed assets
€64k▼ 9.3%
Current assets
€81k▲ 13.3%
Equity and liabilities €145k
Equity
€23k▲ 2.0%
Debt
€122k▲ 2.1%
The debt ratio stays at 84.2%.
Key figures and ratios
EBITDA
€8k▲
2024 · €4k
Cash flow
€7k▲
2024 · €3k
Solvency
15.8%▼
2024 · 15.8%
Current ratio
1.13=
2024 · 1.13
Quick ratio
1.13=
2024 · 1.13
Debt / equity
5.34▲
2024 · 5.33
ROE
2.0%▲
2024 · -14.4%
ROA
0.3%▲
2024 · -2.3%
Interest coverage
8.95▲
2024 · 4.45
Debt
€122k▲
2024 · €119k
Debt ≤ 1 year
€72k▲
2024 · €63k
Debt > 1 year
€50k▼
2024 · €56k
Income taxes
€201▲
2024 · €0
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€142k€145k▲
Fixed assets21/28€70k€64k▼
Tangible fixed assets22/27€70k€64k▼
Land and buildings22€69k€63k▼
Furniture and vehicles24€1k€677▼
Current assets29/58€72k€81k▲
Amounts receivable after more than one year29€47k€47k=
Other amounts receivable291€47k€47k=
Amounts receivable within one year40/41€5k€0▼
Trade receivables40€4k€0▼
Other amounts receivable41€1k€0▼
Current investments50/53€8k€8k=
Cash at bank and in hand54/58€12k€27k▲
Equity and liabilities
Total equity and liabilities10/49€142k€145k▲
Equity10/15€22k€23k▲
Contributions10/11€12k€12k=
Reserves13€13k€13k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€11k€11k=
Profit (loss) carried forward14€-3k€-3k▲
Amounts payable17/49€119k€122k▲
Amounts payable after more than one year17€56k€50k▼
Financial debts170/4€56k€50k▼
Amounts payable within one year42/48€63k€72k▲
Current portion of amounts payable after more than one year42€6k€7k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€4k€4k▼
Taxes450/3€4k€4k▼
Other amounts payable47/48€51k€61k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€2k€2k▼
Gross operating margin9900€6k€10k▲
Operating profit (loss)9901€-2k€1k▲
Financial income75/76B€141€128▼
Recurring financial income75€141€128▼
Financial charges65/66B€917€886▼
Recurring financial charges65€917€886▼
Profit (loss) for the period before taxes9903€-3k€649▲
Income taxes67/77€0€201▲
Profit (loss) for the period9904€-3k€447▲
Profit (loss) for the period to be appropriated9905€-3k€447▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-3k▲
Profit (loss) brought forward from the previous period14P-€-3k
Transfer from equity791/2€40k€0▼
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€40k€0▼
Return on contributions (dividend)694€40k€0▼
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
2026
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €447
Net result €447 after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-3k ▼1836%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
09-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 101 days late
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Schilde · 1 establishment unit since 2018
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.
De Dreef van Hertebos 22970 SchildeGround area
82 m²
Building footprint
82 m²
Volume, LiDAR
439 m³
Parcel 11041B0286/00R002, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Spioen
since 20182.273.395.928
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041B0286/00R002 | Flanders | 82 m² | 1 · 82 m² | 8.4 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 887 companies in sector 33110 we hold annual accounts for 440. 283 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-2018
Fiscal year end31-12
Activities, NACEBEL
33110Repair and maintenance of fabricated metal products
13990Manufacture of textiles
23322Manufacture of other non-metallic mineral products
23660Manufacture of other non-metallic mineral products
23690Manufacture of other non-metallic mineral products
41001General construction of residential buildings
68122Development of non-residential building projects
43240Other construction installation
43299Specialised construction activities
56210Event catering
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.