Financials
- Fiscal year
- 2025
- Total assets
- €122,762
- Profit
- €34,155
- Solvency
- 15.2%
Total assets▼ 31.7%
Net result
20182025
Bankispoon
ActiveSummary
Bankispoon has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18,600 and a net result of €34,155. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 8535 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
What they do
Other business support services
NACE 82990
1 site
How big
€122,762total assets 2025
- Equity
- €18,600
- Profit
- €34,155
Turnover not published (abridged schema)
Who decides
Accounts 127 d early0 of 3 deeds read
Why 90- Equity €18,600 (15.2% of total assets)+ Sector Office administrative, office support and other business support activities (NACE 82)+ Liquidity: current ratio 0.70, cash €41,133+ Size: total assets €122,762Show the evidence
Checked score
Score 2025
90
/ 100
Excellent
Probability in this band: under 0.55%
Better than 38% of its sector peers (NACE 82, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency
40-10
equity 15.2% of total assets
Liquidity
45-6
short-term debt 84.8% · cash 33.5%
Profitability
100=
return on assets 27.8%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
- Sector Office administrative, office support and other business support activities (NACE 82) lowers the probability
- Liquidity: current ratio 0.70, cash €41,133 lowers the probability
- Size: total assets €122,762 lowers the probability for this profile
- Equity €18,600 (15.2% of total assets) raises the probability
Credit up to €1,500 at 30 days acceptable
Liquidity short (current ratio 0.7 against 0.87 in 2024; short-term debt: 84.8% and cash: 33.5% of total assets), and 84.8% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 82, micro). Better than this share of them on solvency 24%, liquidity 29%, profitability 87%, growth against the median 11%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 8535 sector peers (2025).
NBB · sector comparisonPosition among 8535 sector peers
Solvency
better than 23%
← 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 26-03-2026, 127 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
127 d early
2024
24 d early
2023
21 d early
2022
34 d early
2021
32 d early
2020
11 d early
2019
15 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 38 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 29 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
Key points
By topic
Timeline
- Events
- 13
- Since
- 2018
- Next accounts
- by 31-07-2027
- 26-03-2026Annual accounts filed
- 07-07-2025Annual accounts filed
- 10-07-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Other business support servicesNACE 82990
- Founded
- 30-08-2016
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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