DANIEL SPREUTELS
ActiveDANIEL SPREUTELS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €176k and a net result of €11k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 93% of 12637 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +24 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▲+30
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 15.45 against 4.06 in 2024), and 6.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
93.3%
Return on assets
5.6%
Age of the figures
8 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
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
3 d early
2023
12 d early
2022
24 d late
2021
52 d late
2020
38 d early
2019
46 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€11k
2024 · €-2k
2018: €46k
2019: €40k
2020: €16k
2021: €23k
2022: €6k
2023: €-1k
2024: €-2k
2018 → 2025
Working capital
€176k▲ 6.3%
2024 · €165k
2018: €108k
2019: €148k
2020: €140k
2021: €164k
2022: €170k
2023: €169k
2024: €165k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€163k-€170k▲ 4.0%€169k▼ 0.6%€166k▼ 1.6%€176k▲ 5.9%
Operating result€33k-€7k▼ 78.4%€4k▼ 50.8%€3k▼ 17.4%€19k▲ 534%
Net result€23k-€6k▼ 72.4%€-1k€-2k▼ 80.5%€11k
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 534% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €188k
Fixed assets
€379▼ 30.4%
Current assets
€188k▼ 14.4%
Equity and liabilities €188k
Equity
€176k▲ 5.9%
Debt
€13k▼ 76.8%
The debt ratio falls from 24.6% to 6.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€19k▲
2024 · €3k
Cash flow
€11k▲
2024 · €-2k
Solvency
93.3%▲
2024 · 75.4%
Current ratio
15.45▲
2024 · 4.06
Quick ratio
15.45▲
2024 · 4.06
Debt / equity
0.07▼
2024 · 0.33
ROE
6.0%▲
2024 · -1.1%
ROA
5.6%▲
2024 · -0.8%
Interest coverage
53.15▲
2024 · 9.70
Debt
€13k▼
2024 · €54k
Debt ≤ 1 year
€12k▼
2024 · €54k
Income taxes
€8k▲
2024 · €5k
Staff costs
€-689▼
2024 · €11k
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€220k€188k▼
Fixed assets21/28€544€379▼
Tangible fixed assets22/27€544€379▼
Furniture and vehicles24€544€379▼
Current assets29/58€220k€188k▼
Amounts receivable after more than one year29€12k€30k▲
Other amounts receivable291€12k€30k▲
Amounts receivable within one year40/41€49k€3k▼
Trade receivables40€49k€3k▼
Cash at bank and in hand54/58€158k€154k▼
Deferred charges and accrued income490/1€315€2k▲
Equity and liabilities
Total equity and liabilities10/49€220k€188k▼
Equity10/15€166k€176k▲
Contributions10/11€19k€19k=
Reserves13€25k€35k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€23k€33k▲
Profit (loss) carried forward14€123k€122k▼
Amounts payable17/49€54k€13k▼
Amounts payable within one year42/48€54k€12k▼
Trade debts44€39k€2k▼
Suppliers440/4€39k€2k▼
Advances received on contracts in progress46€4k-
Taxes, remuneration and social security45€11k€10k▼
Taxes450/3€10k€10k▼
Remuneration and social security454/9€859-
Other amounts payable47/48€1k€837▼
Accrued charges and deferred income492/3-€400
Income statement
Code20242025
Remuneration, social security and pensions62€11k€-689▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€117€165▲
Other operating charges640/8€1k€4k▲
Gross operating margin9900€15k€22k▲
Operating profit (loss)9901€3k€19k▲
Financial income75/76B€206€785▲
Recurring financial income75€206€785▲
Financial charges65/66B€313€352▲
Recurring financial charges65€313€352▲
Profit (loss) for the period before taxes9903€3k€19k▲
Income taxes67/77€5k€8k▲
Profit (loss) for the period9904€-2k€11k▲
Profit (loss) for the period to be appropriated9905€-2k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€124k€133k▲
Profit (loss) brought forward from the previous period14P€125k€123k▼
Transfer to equity691/2-€11k
To other reserves6921-€11k
Profit to be distributed694/7€833€833=
Return on contributions (dividend)694€833€833=
The notes to these accounts (4 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 15.45
Current ratio from 4.06 to 15.45; short-term debt falls from €54k to €12k.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
21-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 52 days late
2021
31-12
Financial
Equity above €150kEq €163k ▲16.7%
4 profitable years in a row build equity to €163k.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
24-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Etterbeek · 1 establishment unit since 2010
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.
Galliërslaan 331040 EtterbeekGround area
295 m²
Building footprint
127 m²
Volume, LiDAR
2,117 m³
Parcel 21005A0521/00P002, Brussels · tallest building 21.7 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Galliërslaan 33, 1040 Etterbeek
since 20102.184.128.412
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21005A0521/00P002 | Brussels | 295 m² | 1 · 127 m² | 21.7 m · 6 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.
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Of 22,019 companies in sector 69101 we hold annual accounts for 9,028. 7,429 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-12-2009
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.