Anton Spits Bouwonderneming
ActiveAnton Spits Bouwonderneming has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €664k and a net result of €59k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 54% of 2172 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73=
Solvency67▼-9
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 1.67 against 1.82 in 2024; short-term debt: 53.3% and cash: 14.2% of total assets), but 58.1% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
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
41.9%
Return on assets
3.7%
Age of the figures
9 mo
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
18 d late
2023
1 d early
2022
12 d early
2021
53 d early
2020
24 d early
2019
43 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€664k▲ 9.7%
2024 · €605k
2018: €715k
2019: €487k
2020: €513k
2021: €440k
2022: €535k
2023: €567k
2024: €605k
2018 → 2025
Total assets
€1.58M▲ 33.3%
2024 · €1.19M
2018: €1.52M
2019: €1.15M
2020: €888k
2021: €1.03M
2022: €1.21M
2023: €741k
2024: €1.19M
2018 → 2025
Net result
€59k▲ 53.6%
2024 · €38k
2018: €81k
2019: €92k
2020: €28k
2021: €35k
2022: €96k
2023: €41k
2024: €38k
2018 → 2025
Working capital
€568k▲ 18.6%
2024 · €479k
2018: €653k
2019: €457k
2020: €449k
2021: €371k
2022: €483k
2023: €533k
2024: €479k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€440k-€535k▲ 21.5%€567k▲ 6.0%€605k▲ 6.8%€664k▲ 9.7%
Operating result€58k-€145k▲ 148%€57k▼ 60.6%€41k▼ 28.5%€82k▲ 102%
Net result€35k-€96k▲ 177%€41k▼ 57.6%€38k▼ 6.2%€59k▲ 53.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 102% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.58M
Fixed assets
€170k▲ 35.3%
Current assets
€1.41M▲ 33.0%
Equity and liabilities €1.58M
Equity
€664k▲ 9.7%
Debt
€919k▲ 57.7%
The debt ratio rises from 49.1% to 58.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€122k▲
2024 · €57k
Cash flow
€98k▲
2024 · €54k
Solvency
41.9%▼
2024 · 50.9%
Current ratio
1.67▼
2024 · 1.82
Quick ratio
1.05▼
2024 · 1.30
Debt / equity
1.39▲
2024 · 0.96
ROE
8.9%▲
2024 · 6.3%
ROA
3.7%▲
2024 · 3.2%
Interest coverage
13.94▲
2024 · 13.47
Debt
€919k▲
2024 · €583k
Debt ≤ 1 year
€845k▲
2024 · €583k
Debt > 1 year
€58k
Income taxes
€23k▲
2024 · €13k
Staff costs
€789k▲
2024 · €639k
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€1.19M€1.58M▲
Formation expenses20€0€0=
Fixed assets21/28€126k€170k▲
Tangible fixed assets22/27€125k€169k▲
Plant, machinery and equipment23€59k€73k▲
Furniture and vehicles24€66k€51k▼
Leasing and similar rights25-€45k
Financial fixed assets28€581€2k▲
Current assets29/58€1.06M€1.41M▲
Stocks and contracts in progress3€307k€528k▲
Stocks30/36€45k€27k▼
Contracts in progress37€262k€501k▲
Amounts receivable within one year40/41€582k€637k▲
Trade receivables40€489k€589k▲
Other amounts receivable41€93k€48k▼
Cash at bank and in hand54/58€151k€225k▲
Deferred charges and accrued income490/1€22k€24k▲
Equity and liabilities
Total equity and liabilities10/49€1.19M€1.58M▲
Equity10/15€605k€664k▲
Contributions10/11€85k€85k=
Reserves13€520k€579k▲
Non-distributable reserves130/1€9k€9k=
Reserves not available under the articles1311€9k€9k=
Distributable reserves133€511k€570k▲
Amounts payable17/49€583k€919k▲
Amounts payable after more than one year17-€58k
Financial debts170/4-€58k
Amounts payable within one year42/48€583k€845k▲
Current portion of amounts payable after more than one year42-€200k
Trade debts44€534k€528k▼
Suppliers440/4€534k€528k▼
Taxes, remuneration and social security45€23k€37k▲
Taxes450/3€2k€2k▲
Remuneration and social security454/9€21k€35k▲
Other amounts payable47/48€27k€80k▲
Accrued charges and deferred income492/3€106€17k▲
Income statement
Code20242025
Remuneration, social security and pensions62€639k€789k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€39k▲
Other operating charges640/8€18k€29k▲
Gross operating margin9900€714k€940k▲
Operating profit (loss)9901€41k€82k▲
Financial income75/76B€14k€9k▼
Recurring financial income75€14k€9k▼
Financial charges65/66B€4k€9k▲
Recurring financial charges65€4k€9k▲
Profit (loss) for the period before taxes9903€51k€82k▲
Income taxes67/77€13k€23k▲
Profit (loss) for the period9904€38k€59k▲
Profit (loss) for the period to be appropriated9905€38k€59k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€59k▲
Transfer to equity691/2€38k€59k▲
To other reserves6921€38k€59k▲
Social balance
Average headcount (FTE)908712.914.1▲
The notes to these accounts (15 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 18 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity doublescurrent ratio 4.05
Current ratio from 1.72 to 4.05; short-term debt falls from €671k to €175k.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €96k ▲177%
Net result €96k, the highest in the series.
31-12
Financial
Equity above €500kEq €535k ▲21.5%
5 profitable years in a row build equity to €535k.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €28k ▼70.1%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500kEq €513k ▲5.3%
3 profitable years in a row build equity to €513k.
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Zandhoven · 1 establishment unit since 1997
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.
Keulsebaan 372243 ZandhovenGround area
1,418 m²
Building footprint
179 m²
Volume, LiDAR
1,154 m³
Parcel 11034B0342/00R000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ALGEMENE BOUWONDERNEMING PAUL
since 19972.080.815.987
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11034B0342/00R000 | Flanders | 1,418 m² | 1 · 179 m² | 9.3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 987 EUR awarded · 976 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 667 EUR | 656 EUR |
| 2024 | 1 | 99 EUR | 99 EUR |
| 2022 | 1 | 221 EUR | 221 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
6 categoriesPAUL VERSCHUEREN ALGEMENE BOUWONDERNEMING BV27540
Dual-learning approval
4 live approvals · 1 endedMedewerker ruwbouw (vwo)
Medewerker ruwbouw duaal (so)
Metselaar (vwo)
Ruwbouw duaal (so)
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 8,093 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-03-1997
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
43332Laying of wooden floor and wall coverings
43410Roofing work
45220
45432
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.