Spiri
ActiveSpiri has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €69k and a net result of €5k. Equity is growing by ~22.5% per year across the filed fiscal years. Its solvency ranks better than 89% of 26046 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability67▲+16
Solvency100▲+3
Growth63▲+7
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 5.15 against 3.32 in 2023; short-term debt: 18.1% and cash: 4.4% of total assets), and 18.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-09-2025, 34 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
34 d late
2023
92 d late
2022
53 d early
2021
13 d early
2020
4 d early
2019
10 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€107k▼ 14.9%
2023 · €125k
2021: €106k
2023: €125k
2021 → 2024
EBIT margin
8.0%▲ 1.6pp
2023 · 6.4%
2021: 20.4%
2023: 6.4%
2021 → 2024
Net result
€5k▲ 31.4%
2023 · €4k
2019: €4k
2020: €19k
2021: €17k
2022: €15k
2023: €4k
2019 → 2024
Working capital
€64k▲ 9.5%
2023 · €58k
2019: €2k
2020: €21k
2021: €41k
2022: €55k
2023: €58k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€106k€125k€107k▼ 14.9%
Equity€29k-€46k▲ 60.4%€61k▲ 33.5%€65k▲ 5.8%€69k▲ 7.2%
Operating result€25k-€22k▼ 14.2%€22k▼ 0.6%€8k▼ 63.1%€9k▲ 6.5%
Net result€19k-€17k▼ 8.0%€15k▼ 11.0%€4k▼ 76.8%€5k▲ 31.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 6% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €85k
Fixed assets
€6k▼ 13.2%
Current assets
€79k▼ 5.0%
Equity and liabilities €85k
Equity
€69k▲ 7.2%
Debt
€15k▼ 38.8%
The debt ratio falls from 27.9% to 18.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9k▲
2023 · €9k
Cash flow
€6k▲
2023 · €5k
Solvency
81.9%▲
2023 · 72.1%
Current ratio
5.15▲
2023 · 3.32
Quick ratio
4.93▲
2023 · 3.18
Debt / equity
0.22▼
2023 · 0.39
ROE
6.7%▲
2023 · 5.5%
ROA
5.5%▲
2023 · 4.0%
Interest coverage
5.65▲
2023 · 3.39
Debt
€15k▼
2023 · €25k
Debt ≤ 1 year
€15k▼
2023 · €25k
Income taxes
€2k▲
2023 · €2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€90k€85k▼
Fixed assets21/28€6k€6k▼
Intangible fixed assets21€2k€2k▼
Tangible fixed assets22/27€392-
Plant, machinery and equipment23€392-
Financial fixed assets28€4k€4k=
Current assets29/58€84k€79k▼
Stocks and contracts in progress3€4k€4k=
Stocks30/36€4k€4k=
Amounts receivable within one year40/41€79k€71k▼
Other amounts receivable41€79k€71k▼
Cash at bank and in hand54/58€611€4k▲
Deferred charges and accrued income490/1€755€755=
Equity and liabilities
Total equity and liabilities10/49€90k€85k▼
Equity10/15€65k€69k▲
Contributions10/11€6k€6k=
Capital10€6k-
Issued capital100€6k-
Reserves13€4k€8k▲
Distributable reserves133€4k€8k▲
Profit (loss) carried forward14€55k€55k▲
Amounts payable17/49€25k€15k▼
Amounts payable within one year42/48€25k€15k▼
Current portion of amounts payable after more than one year42€5k-
Trade debts44€8k€3k▼
Suppliers440/4€8k€3k▼
Taxes, remuneration and social security45€12k€13k▲
Taxes450/3€12k€13k▲
Income statement
Code20232024
Turnover70€125k€107k▼
Goods, raw materials, services and sundry goods60/61€115k€96k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€841▼
Other operating charges640/8€616€1k▲
Gross operating margin9900€10k€10k▲
Operating profit (loss)9901€8k€9k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€5k€7k▲
Income taxes67/77€2k€2k▲
Profit (loss) for the period9904€4k€5k▲
Profit (loss) for the period to be appropriated9905€4k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€59k€60k▲
Profit (loss) brought forward from the previous period14P€55k€55k▲
Transfer to equity691/2€4k€5k▲
To other reserves6921€4k€5k▲
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
2025
03-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 34 days late
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
31-12
Financial
Weakest financial yearnet €4k ▼76.8%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2019net €19k ▲420%
Operating result €25k, net result €19k, both a record.
10-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Geel · 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.
Stationsstraat 772440 GeelGround area
252 m²
Building footprint
137 m²
Volume, LiDAR
1,051 m³
Parcel 13376G0568/00R007, Flanders · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Spiri
since 20182.277.464.384
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13376G0568/00R007 | Flanders | 252 m² | 1 · 137 m² | 12.7 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGeel2.277.464.384
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BRYVA
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Of 2,477 companies in sector 47279 we hold annual accounts for 950. 794 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-07-2018
Fiscal year end31-12
Activities, NACEBEL
47279Other retail sale of food
47299Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.