6F
ActiveSummary
6F has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €74,832 and a net result of -€2,601. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 83% of 3021 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability32▲+28
Solvency97=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days only on tighter terms
Liquidity ample (current ratio 3.27 against 3.34 in 2023; short-term debt: 27.8% of total assets), and 27.8% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 93
Relative position
BE, all sectors
reference
Sports, amusement and recreation activities (NACE 93)
about 50% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
72.2%
Return on assets
-2.5%
Age of the figures
21 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 · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year -€2,601
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-02-2026, 210 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
210 d late
2023
61 d late
2022
61 d late
2021
5 d early
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 65 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€74,832▼ 3.4%
2023 · €77,434
Total assets
€103,678▼ 3.3%
2023 · €107,246
Net result
-€2,601▲ 79.9%
2023 · -€12,943
Working capital
€65,491▲ 4.2%
2023 · €62,869
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€1,117▼ 92.9%-€1,760€8,147-€15,718-€7,536▲ 52.1%
Net result€3,583▼ 70.9%€860▼ 76.0%€11,162▲ 1,198%-€12,943-€2,601▲ 79.9%
Equity€78,355▲ 4.8%€79,215▲ 1.1%€90,377▲ 14.1%€77,434▼ 14.3%€74,832▼ 3.4%
Total assets€117,061▼ 5.8%€123,074▲ 5.1%€102,901▼ 16.4%€107,246▲ 4.2%€103,678▼ 3.3%
Debt€38,706▼ 21.8%€43,860▲ 13.3%€12,525▼ 71.4%€29,812▲ 138%€28,846▼ 3.2%
Working capital€41,306▲ 268%€47,263▲ 14.4%€65,689▲ 39.0%€62,869▼ 4.3%€65,491▲ 4.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7,536 in 2024 against €15,718 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €103,678
Fixed assets
€9,341 ▼ 46.8%
Current assets
€94,337 ▲ 5.2%
Equity and liabilities €103,678
Equity
€74,832 ▼ 3.4%
Debt
€28,846 ▼ 3.2%
Debt's share of the balance-sheet total stays at 27.8%.
Key figures and ratios
EBITDA
€676▲
2023 · -€7,303
Cash flow
€5,610▲
2023 · -€4,527
Current ratio
3.27▼
2023 · 3.34
Quick ratio
3.25▼
2023 · 3.32
Debt to equity
0.39▲
2023 · 0.38
ROE
-3.5%▲
2023 · -16.7%
ROA
-2.5%▲
2023 · -12.1%
Interest coverage
1.91▲
2023 · -7.06
Debt ≤ 1 year
€28,846▲
2023 · €26,824
Income taxes
€17
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28,403 | €9,090 | €8,393 | €8,415 | €8,212 | ▼ 2.4% |
| Other operating charges640/8 | - | €514 | €571 | €1,235 | €950 | ▼ 23.0% |
| Non-recurring operating charges66A | - | - | €10 | - | - | - |
| Gross operating margin9900 | €30,062 | €7,844 | €17,121 | -€6,068 | €1,626 | ▲ 127% |
| Operating profit (loss)9901 | €1,117 | -€1,760 | €8,147 | -€15,718 | -€7,536 | ▲ 52.1% |
| Financial income75/76B | - | €3,226 | €4,000 | €3,810 | €5,305 | ▲ 39.3% |
| Recurring financial income75 | €5,316 | €3,226 | €4,000 | €3,810 | €5,305 | ▲ 39.3% |
| Financial charges65/66B | - | €606 | €488 | €1,035 | €353 | ▼ 65.8% |
| Recurring financial charges65 | €2,849 | €606 | €488 | €1,035 | €353 | ▼ 65.8% |
| Profit (loss) for the period before taxes9903 | €3,583 | €860 | €11,659 | -€12,943 | -€2,584 | ▲ 80.0% |
| Income taxes67/77 | - | - | €497 | - | €17 | - |
| Profit (loss) for the period9904 | €3,583 | €860 | €11,162 | -€12,943 | -€2,601 | ▲ 79.9% |
| Profit (loss) for the period to be appropriated9905 | €3,583 | €860 | €11,162 | -€12,943 | -€2,601 | ▲ 79.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €117,061 | €123,074 | €102,901 | €107,246 | €103,678 | ▼ 3.3% |
| Formation expenses20 | €17 | - | - | - | - | - |
| Fixed assets21/28 | €37,064 | €31,952 | €24,688 | €17,553 | €9,341 | ▼ 46.8% |
| Tangible fixed assets22/27 | €37,064 | €31,952 | €24,688 | €17,553 | €9,341 | ▼ 46.8% |
| Furniture and vehicles24 | - | €31,006 | €23,979 | €17,080 | €9,105 | ▼ 46.7% |
| Other tangible fixed assets26 | - | €946 | €709 | €473 | €236 | ▼ 50.0% |
| Current assets29/58 | €79,980 | €91,123 | €78,213 | €89,693 | €94,337 | ▲ 5.2% |
| Stocks and contracts in progress3 | €562 | €517 | €517 | €517 | €517 | = |
| Stocks30/36 | - | €517 | €517 | €517 | €517 | = |
| Amounts receivable within one year40/41 | €52,574 | €79,516 | €64,596 | €87,288 | €93,820 | ▲ 7.5% |
| Trade receivables40 | - | €30,786 | €1,257 | €6,755 | - | - |
| Other amounts receivable41 | - | €48,730 | €63,340 | €80,533 | €93,820 | ▲ 16.5% |
| Cash at bank and in hand54/58 | €21,379 | €7,714 | €8,829 | - | - | - |
| Deferred charges and accrued income490/1 | - | €3,376 | €4,271 | €1,888 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €117,061 | €123,074 | €102,901 | €107,246 | €103,678 | ▼ 3.3% |
| Equity10/15 | €78,355 | €79,215 | €90,377 | €77,434 | €74,832 | ▼ 3.4% |
| Contributions10/11 | - | €40,000 | €40,000 | €40,000 | €40,000 | = |
| Capital10 | - | - | €40,000 | €40,000 | €40,000 | = |
| Issued capital100 | - | - | €40,000 | €40,000 | €40,000 | = |
| Reserves13 | €45,400 | €45,400 | €50,370 | €50,370 | €50,370 | = |
| Non-distributable reserves130/1 | - | €4,000 | €4,000 | €4,000 | €4,000 | = |
| Reserves not available under the articles1311 | - | €4,000 | €4,000 | €4,000 | €4,000 | = |
| Distributable reserves133 | - | €41,400 | €46,370 | €46,370 | €46,370 | = |
| Profit (loss) carried forward14 | -€7,045 | -€6,185 | €7 | -€12,936 | -€15,538 | ▼ 20.1% |
| Amounts payable17/49 | €38,706 | €43,860 | €12,525 | €29,812 | €28,846 | ▼ 3.2% |
| Amounts payable within one year42/48 | €38,674 | €43,860 | €12,525 | €26,824 | €28,846 | ▲ 7.5% |
| Financial debts43 | - | - | - | - | €2,172 | - |
| Credit institutions430/8 | - | - | - | - | €2,172 | - |
| Trade debts44 | €23,524 | €36,808 | €11,334 | €26,217 | €26,674 | ▲ 1.7% |
| Suppliers440/4 | - | €36,808 | €11,334 | €26,217 | €26,674 | ▲ 1.7% |
| Taxes, remuneration and social security45 | - | €7,052 | €1,190 | €607 | - | - |
| Taxes450/3 | - | €7,052 | €1,190 | €607 | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €2,988 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,583 | €860 | €11,162 | -€12,943 | -€2,601 | ▲ 79.9% |
| + Depreciation and write-downs630 | €28,403 | €9,090 | €8,393 | €8,415 | €8,212 | ▼ 2.4% |
| Operating cash flow (approximation) | €31,985 | €9,950 | €19,555 | -€4,527 | €5,610 | ▲ 224% |
| Investment in fixed assets (approximation) | - | -€3,977 | -€1,130 | -€1,280 | €0 | ▲ 100% |
| Change in cash | - | -€13,665 | €1,115 | - | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
26-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 210 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Weakest financial yearnet -€12,943
Net result drops to -€12,943, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 6.24
Current ratio from 2.08 to 6.24; short-term debt falls from €43,860 to €12,525.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 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
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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2011
Ground area
1.6 ha
Building footprint
885 m²
Volume, LiDAR
798 m³
2 parcels, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Route de Saussin,Spy 45, 5190 Jemeppe-sur-Sambre
since 20112.200.356.017
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92119B0060/00A000 | Wallonia | 1.5 ha | 1 · 743 m² | - |
| 25385E0022/00W000 | Wallonia | 1,455 m² | 1 · 143 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
SANOMOTION
BE 1013.759.470
Sint-Niklaas · Eq €75,481
CITY-FIT
BE 0895.824.296
Leuven · Eq €74,181
EPIC FITNESS
BE 0632.493.646
La Louvière · Eq €76,207
SO-FIT
BE 0460.819.185
Izegem · Eq €76,657
PERFECT YOU
BE 0735.565.648
Hamme (Vl.) · Eq €76,958
Of 1,520 companies in sector 93130 we hold annual accounts for 688. 546 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded08-03-2011
Fiscal year end31-12
Activities, NACEBEL 2025
93130Fitness centres
93110Operation of sports facilities
Contact
Website
www.spyfit.be
E-mail
acharlier@skynet.be
Phone
0478 67 25 08
Phone
071 78 85 50
E-mail
spy@spyfit.beJemeppe-sur-Sambre
Scores and ratios are computed by Checked and are not a credit decision.