CONCA SPECHIULLA
ActiveCONCA SPECHIULLA has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €82k and a net result of €14k. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 52% of 3614 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability87▲+15
Solvency44▲+6
Growth78=
Stability100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.79 against 0.83 in 2024), and 69% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 56
Relative position
BE, all sectors
reference
Sector 56
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
31%
Return on assets
5.4%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-09-2026, 35 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 · 10 filingsDeviation from the deadline
2025
35 d late
2024
27 d late
2023
50 d late
2022
40 d late
2021
60 d late
2020
16 d early
2019
14 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€82k▼ 0.8%
2024 · €83k
2018: €51k
2019: €73k
2020: €75k
2021: €90k
2022: €74k
2023: €86k
2024: €83k
2018 → 2025
Total assets
€266k▼ 13.0%
2024 · €305k
2018: €148k
2019: €256k
2020: €277k
2021: €379k
2022: €359k
2023: €321k
2024: €305k
2018 → 2025
Net result
€14k▲ 19.3%
2024 · €12k
2018: €11k
2019: €2k
2020: €2k
2021: €14k
2022: €15k
2023: €12k
2024: €12k
2018 → 2025
Working capital
€-23k▼ 20.9%
2024 · €-19k
2018: €-5k
2019: €-20k
2020: €-4k
2021: €-37
2022: €-21k
2023: €-8k
2024: €-19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€90k-€74k▼ 17.1%€86k▲ 15.4%€83k▼ 3.5%€82k▼ 0.8%
Operating result€26k-€34k▲ 31.0%€32k▼ 5.7%€31k▼ 3.9%€33k▲ 6.9%
Net result€14k-€15k▲ 1.5%€12k▼ 21.7%€12k▲ 4.4%€14k▲ 19.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €266k
Fixed assets
€180k▼ 14.2%
Current assets
€85k▼ 10.3%
Equity and liabilities €266k
Equity
€82k▼ 0.8%
Debt
€183k▼ 17.5%
The debt ratio falls from 72.8% to 69.0%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€63k▼
2024 · €64k
Cash flow
€44k▼
2024 · €45k
Solvency
31.0%▲
2024 · 27.2%
Current ratio
0.79▼
2024 · 0.83
Quick ratio
0.76▼
2024 · 0.80
Debt / equity
2.23▼
2024 · 2.68
ROE
17.4%▲
2024 · 14.5%
ROA
5.4%▲
2024 · 3.9%
Interest coverage
6.50▼
2024 · 8.65
Debt
€183k▼
2024 · €222k
Debt ≤ 1 year
€108k▼
2024 · €114k
Debt > 1 year
€73k▼
2024 · €106k
Income taxes
€9k▼
2024 · €12k
Staff costs
€86k▼
2024 · €91k
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€305k€266k▼
Fixed assets21/28€210k€180k▼
Tangible fixed assets22/27€207k€177k▼
Land and buildings22€155k€145k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€47k€28k▼
Financial fixed assets28€3k€3k=
Current assets29/58€95k€85k▼
Stocks and contracts in progress3€4k€3k▼
Stocks30/36€4k€3k▼
Amounts receivable within one year40/41€56k€59k▲
Trade receivables40€18k€19k▲
Other amounts receivable41€38k€40k▲
Cash at bank and in hand54/58€33k€20k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€305k€266k▼
Equity10/15€83k€82k▼
Contributions10/11€62k€62k=
Outside capital11€62k€62k=
Other1109/19€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Profit (loss) carried forward14€15k€14k▼
Amounts payable17/49€222k€183k▼
Amounts payable after more than one year17€106k€73k▼
Financial debts170/4€106k€73k▼
Amounts payable within one year42/48€114k€108k▼
Current portion of amounts payable after more than one year42€37k€33k▼
Trade debts44€41k€44k▲
Suppliers440/4€41k€44k▲
Advances received on contracts in progress46€190-
Taxes, remuneration and social security45€32k€27k▼
Taxes450/3€24k€22k▼
Remuneration and social security454/9€8k€5k▼
Other amounts payable47/48€4k€4k=
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Remuneration, social security and pensions62€91k€86k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€30k▼
Other operating charges640/8€4k€5k▲
Gross operating margin9900€158k€154k▼
Operating profit (loss)9901€31k€33k▲
Financial income75/76B€147€29▼
Recurring financial income75€147€29▼
Financial charges65/66B€7k€10k▲
Recurring financial charges65€7k€10k▲
Profit (loss) for the period before taxes9903€24k€24k▼
Income taxes67/77€12k€9k▼
Profit (loss) for the period9904€12k€14k▲
Profit (loss) for the period to be appropriated9905€12k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€29k▼
Profit (loss) brought forward from the previous period14P€18k€15k▼
Profit to be distributed694/7€15k€15k=
Return on contributions (dividend)694€15k€15k=
The notes to these accounts (5 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
04-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 35 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 50 days late
2023
09-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 40 days late
2022
31-12
Financial
Highest result since 2018net €15k ▲1.5%
Operating result €34k, net result €15k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €2k ▼5.6%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Brussel · 1 establishment unit since 1995
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.
Franklinstraat 101000 BrusselGround area
267 m²
Building footprint
187 m²
Volume, LiDAR
1,838 m³
Parcel 21806F0292/00D010, Brussels · tallest building 18.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Franklinstraat 10, 1000 Brussel
since 19952.072.396.189
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21806F0292/00D010 | Brussels | 267 m² | 1 · 187 m² | 18.1 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 siteBrussel2.072.396.189
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Of 20,231 companies in sector 56111 we hold annual accounts for 11,311. 9,631 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-06-1995
Fiscal year end31-12
Activities, NACEBEL
55301
55302
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.