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ASPodo

Active
Private limited companyfounded 20224 yrs activeRue François Dufer 32, 5000 Namur, BelgiumKBO/BCE: BE 0783.571.938
Summary

ASPodo has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €4,511 and a net result of €8,143. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 125 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2026
Axes · tick = 2025
Profitability99▼-1
Solvency38▼-20
Growth78=
Track record94
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
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Signals

Five 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 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 4 years 0 10 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 125 sector peers (2026).
NBB · sector comparison
Position among 125 sector peers
Solvency
better than 22%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 08-09-2026, 53 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2026
53 d early
2025
43 d early
2024
49 d early
2023
53 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 50 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. Usually files around 10 September (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
28-09-2026 today31-03-2027 close31-10-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

ASPodo was incorporated on 18 March 2022 as a Private limited company.1 Total assets rose from EUR 14,327 in 2023 to EUR 33,929 in 2026.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2023 and 2026

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Financials · fiscal year 2026, micro schema

Equity
€4,511▼ 47.6%
2025 · €8,612
Total assets
€33,929▲ 31.7%
2025 · €25,758
Net result
€8,143▲ 5.5%
2025 · €7,716
Working capital
€9,879▲ 62.1%
2025 · €6,093
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line2023202420252026
Operating result€8,262-€19,752▲ 139%€12,287▼ 37.8%€13,019▲ 6.0%
Net result€4,365below the sector's middle half-€13,531below the sector's middle half▲ 210%€7,716below the sector's middle half▼ 43.0%€8,143▲ 5.5%
Equity€2,365below the sector's middle half-€8,396below the sector's middle half▲ 255%€8,612below the sector's middle half▲ 2.6%€4,511▼ 47.6%
Total assets€14,327below the sector's middle half-€29,756below the sector's middle half▲ 108%€25,758below the sector's middle half▼ 13.4%€33,929▲ 31.7%
Debt€11,962-€21,360▲ 78.6%€17,146▼ 19.7%€29,418▲ 71.6%
Working capital-€1,573below the sector's middle half-€100below the sector's middle half€6,093below the sector's middle half▲ 6,014%€9,879▲ 62.1%
Solvency16.5%below the sector's middle half-28.2%below the sector's middle half▲ 11.7pp33.4%within the sector's middle half▲ 5.2pp13.3%▼ 20.1pp
Current ratio0.87below the sector's middle half-1.00below the sector's middle half▲ 0.141.41within the sector's middle half▲ 0.411.45▲ 0.04
Return on assets (ROA)30.5%within the sector's middle half-45.5%above the sector's middle half▲ 15.0pp30.0%within the sector's middle half▼ 15.5pp24.0%▼ 6.0pp
above within below the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€5,000€10,000€15,000€20,000Operating result 2023: €8,262€8,262Net result 2023: €4,365€4,365Operating result 2024: €19,752€19,752Net result 2024: €13,531€13,531Operating result 2025: €12,287€12,287Net result 2025: €7,716€7,716Operating result 2026: €13,019€13,019Net result 2026: €8,143€8,1432023202420252026€0€5,000€10,000€15,000€20,000Operating result 2024: €19,752€19,800Net result 2024: €13,531€13,500Operating result 2025: €12,287€12,300Net result 2025: €7,716€7,720Operating result 2026: €13,019€13,000Net result 2026: €8,143€8,140202420252026
The operating result recovers in 2026; 2026 is 6% above 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €33,929
Fixed assets €2,162 ▼ 55.2%
Current assets €31,767 ▲ 51.8%
Equity and liabilities €33,929
Equity €4,511 ▼ 47.6%
Debt €29,418 ▲ 71.6%
Debt's share of the balance-sheet total rises from 66.6% to 86.7%. Equity is lower and debt is higher.
Key figures and ratios
2026 value · change against 2025
EBITDA
€16,729▼
2025 · €17,572
Cash flow
€11,853▼
2025 · €13,001
Debt to equity
6.52▲
2025 · 1.99
ROE
180.5%▲
2025 · 89.6%
Interest coverage
33.24▲
2025 · 32.41
Debt ≤ 1 year
€21,888▲
2025 · €14,836
Income taxes
€4,373▲
2025 · €4,029
Staff costs
€1,538▼
2025 · €1,908
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 7,976 companies that looked in July 2024 the way this one looks now, 3.1% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
3.1% went bankrupt
1.6% stopped otherwise
94% still going

A further 1.0% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 7,976 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2026 against 2025 · 43 lines
Balance sheet Code20252026
Assets
Total assets20/58€25,758€33,929▲
Fixed assets21/28€4,828€2,162▼
Tangible fixed assets22/27€4,828€2,162▼
Plant, machinery and equipment23€1,646€1,282▼
Furniture and vehicles24€3,183€880▼
Current assets29/58€20,930€31,767▲
Amounts receivable within one year40/41€1,780€1,943▲
Trade receivables40€1,780€1,943▲
Cash at bank and in hand54/58€17,770€29,824▲
Deferred charges and accrued income490/1€1,380-
Equity and liabilities
Total equity and liabilities10/49€25,758€33,929▲
Equity10/15€8,612€4,511▼
Contributions10/11€2,000€2,000=
Reserves13€200€200=
Non-distributable reserves130/1€200€200=
Reserves not available under the articles1311€200€200=
Profit (loss) carried forward14€6,412€2,311▼
Amounts payable17/49€17,146€29,418▲
Amounts payable within one year42/48€14,836€21,888▲
Trade debts44€4,067€5,311▲
Suppliers440/4€4,067€5,311▲
Advances received on contracts in progress46€2,280-
Taxes, remuneration and social security45€5,529€6,577▲
Taxes450/3€5,529€6,577▲
Other amounts payable47/48€2,960€10,000▲
Accrued charges and deferred income492/3€2,310€7,530▲
Income statement Code20252026
Remuneration, social security and pensions62€1,908€1,538▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5,285€3,710▼
Other operating charges640/8€793€594▼
Gross operating margin9900€20,273€18,862▼
Operating profit (loss)9901€12,287€13,019▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€542€503▼
Recurring financial charges65€542€503▼
Profit (loss) for the period before taxes9903€11,745€12,516▲
Income taxes67/77€4,029€4,373▲
Profit (loss) for the period9904€7,716€8,143▲
Profit (loss) for the period to be appropriated9905€7,716€8,143▲
Appropriation of the result
Profit (loss) to be appropriated9906€13,912€14,555▲
Profit (loss) brought forward from the previous period14P€6,196€6,412▲
Profit to be distributed694/7€7,500€12,243▲
Return on contributions (dividend)694€7,500€12,243▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2023202420252026Change
Remuneration, social security and pensions62€619€1,982€1,908€1,538▼ 19.4%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,085€5,191€5,285€3,710▼ 29.8%
Other operating charges640/8€895€863€793€594▼ 25.0%
Gross operating margin9900€11,861€27,787€20,273€18,862▼ 7.0%
Operating profit (loss)9901€8,262€19,752€12,287€13,019▲ 6.0%
Financial income75/76B€0-€0--
Recurring financial income75€0-€0--
Financial charges65/66B€685€443€542€503▼ 7.2%
Recurring financial charges65€685€443€542€503▼ 7.2%
Profit (loss) for the period before taxes9903€7,577€19,309€11,745€12,516▲ 6.6%
Income taxes67/77€3,212€5,778€4,029€4,373▲ 8.5%
Profit (loss) for the period9904€4,365€13,531€7,716€8,143▲ 5.5%
Profit (loss) for the period to be appropriated9905€4,365€13,531€7,716€8,143▲ 5.5%
Line2023202420252026Change
Assets
Total assets20/58€14,327€29,756€25,758€33,929▲ 31.7%
Fixed assets21/28€3,939€8,296€4,828€2,162▼ 55.2%
Tangible fixed assets22/27€3,939€8,296€4,828€2,162▼ 55.2%
Plant, machinery and equipment23€2,550€1,250€1,646€1,282▼ 22.1%
Furniture and vehicles24€1,389€7,046€3,183€880▼ 72.4%
Current assets29/58€10,389€21,460€20,930€31,767▲ 51.8%
Amounts receivable within one year40/41€1,703€13,813€1,780€1,943▲ 9.2%
Trade receivables40€1,703€13,813€1,780€1,943▲ 9.2%
Cash at bank and in hand54/58€8,685€7,646€17,770€29,824▲ 67.8%
Deferred charges and accrued income490/1--€1,380--
Equity and liabilities
Total equity and liabilities10/49€14,327€29,756€25,758€33,929▲ 31.7%
Equity10/15€2,365€8,396€8,612€4,511▼ 47.6%
Contributions10/11€2,000€2,000€2,000€2,000=
Capital10€2,000€2,000---
Issued capital100€2,000€2,000---
Reserves13€200€200€200€200=
Non-distributable reserves130/1€200€200€200€200=
Legal reserve130€200€200---
Reserves not available under the articles1311--€200€200=
Profit (loss) carried forward14€165€6,196€6,412€2,311▼ 64.0%
Amounts payable17/49€11,962€21,360€17,146€29,418▲ 71.6%
Amounts payable within one year42/48€11,962€21,360€14,836€21,888▲ 47.5%
Trade debts44€1,250€1,209€4,067€5,311▲ 30.6%
Suppliers440/4€1,250€1,209€4,067€5,311▲ 30.6%
Advances received on contracts in progress46--€2,280--
Taxes, remuneration and social security45€6,712€11,757€5,529€6,577▲ 19.0%
Taxes450/3€6,712€9,278€5,529€6,577▲ 19.0%
Remuneration and social security454/9-€2,478---
Other amounts payable47/48€4,000€8,394€2,960€10,000▲ 238%
Accrued charges and deferred income492/3--€2,310€7,530▲ 226%
Line2023202420252026Change
Profit (loss) for the period9904€4,365€13,531€7,716€8,143▲ 5.5%
+ Depreciation and write-downs630€2,085€5,191€5,285€3,710▼ 29.8%
Operating cash flow (approximation)€6,450€18,721€13,001€11,853▼ 8.8%
Investment in fixed assets (approximation)--€9,548-€1,817-€1,044▲ 42.5%
Change in cash--€1,039€10,123€12,054▲ 19.1%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2027, expected by 31-10-2027
2026
08-09
NBB filing Annual accounts filed
fiscal year 2026 · micro schema
2025
18-09
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2024
12-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial Highest result since 2023net €13,531 ▲210%
Operating result €19,752, net result €13,531, both a record.
2023
08-09
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Namur
exact location from the address register On OpenStreetMap
Ground area
301 m²
Building footprint
50 m²
Volume, LiDAR
520 m³
Parcel 92302G0162/00F003, Wallonia · tallest building 11.5 m, ±4 floors. Linked by address, not a title deed.
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92302G0162/00F003 Wallonia 301 m² 1 · 50 m² 11.5 m · 4 fl.
Linked by address, not proof of ownership
Good to know
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

Of 12,698 companies in sector 86951 we hold annual accounts for 2,146. 1,006 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
Founded18-03-2022
Fiscal year end31-03
Activities, NACEBEL 2025
86951Physiotherapy
E-invoicing
Reachable via Peppol
Peppol ID 0208:0783571938
Also 9925:BE0783571938
Registered 01-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.