Enterprise Spoc
ActiveEnterprise Spoc has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.74M and a net result of €414k. Equity is growing by ~80.6% per year across the filed fiscal years. Its solvency ranks better than 62% of 1411 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability91▼-8
Solvency83▲+10
Growth85=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days only on tighter terms
Liquidity ample (current ratio 2.77 against 1.81 in 2023; short-term debt: 11.9% and cash: 23.2% of total assets), and 42.4% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 2024Solvency, return and age of the figures
Solvency
57.6%
Return on assets
13.7%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-11-2025, 109 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
109 d late
2023
61 d late
2022
427 d late
2021
57 d late
2020
66 d late
2019
119 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Turnover
€1.52M▲ 4.6%
2023 · €1.46M
2020: €286k
2021: €831k
2022: €840k
2023: €1.46M
2020 → 2024
EBIT margin
27.9%▼ 18.6pp
2023 · 46.5%
2020: -23.5%
2021: 47.5%
2022: 40.0%
2023: 46.5%
2020 → 2024
Net result
€414k▼ 38.8%
2023 · €677k
2019: €-3k
2020: €-68k
2021: €389k
2022: €331k
2023: €677k
2019 → 2024
Working capital
€635k▲ 12.2%
2023 · €566k
2019: €-1.08M
2020: €-119k
2021: €59k
2022: €69k
2023: €566k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€286k-€831k▲ 190%€840k▲ 1.1%€1.46M▲ 73.6%€1.52M▲ 4.6%
Equity€-72k-€318k€649k▲ 104%€1.33M▲ 104%€1.74M▲ 31.2%
Operating result€-67k-€395k€336k▼ 15.0%€678k▲ 102%€426k▼ 37.2%
Net result€-68k-€389k€331k▼ 15.0%€677k▲ 104%€414k▼ 38.8%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 37% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.02M
Fixed assets
€2.03M▲ 33.8%
Current assets
€993k▼ 21.2%
Equity and liabilities €3.02M
Equity
€1.74M▲ 31.2%
Provisions
€360k
Debt
€922k▼ 36.5%
The debt ratio falls from 52.3% to 30.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€862k▼
2023 · €1.07M
Cash flow
€851k▼
2023 · €1.07M
Solvency
57.6%▲
2023 · 47.7%
Current ratio
2.77▲
2023 · 1.81
Quick ratio
2.77▲
2023 · 1.81
Debt / equity
0.53▼
2023 · 1.09
ROE
23.8%▼
2023 · 51.0%
ROA
13.7%▼
2023 · 24.4%
Interest coverage
74.26▼
2023 · 1157.50
Debt
€922k▼
2023 · €1.45M
Debt ≤ 1 year
€359k▼
2023 · €694k
Debt > 1 year
€325k▼
2023 · €675k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€2.78M€3.02M▲
Formation expenses20€980-
Fixed assets21/28€1.52M€2.03M▲
Intangible fixed assets21€1.52M€2.03M▲
Current assets29/58€1.26M€993k▼
Amounts receivable within one year40/41€369k€53k▼
Trade receivables40€363k-
Other amounts receivable41€6k€53k▲
Cash at bank and in hand54/58€891k€700k▼
Deferred charges and accrued income490/1-€240k
Equity and liabilities
Total equity and liabilities10/49€2.78M€3.02M▲
Equity10/15€1.33M€1.74M▲
Reserves13€300k€300k=
Profit (loss) carried forward14€1.03M€1.44M▲
Provisions and deferred taxes16-€360k
Provisions for liabilities and charges160/5-€360k
Major repairs and maintenance162-€360k
Amounts payable17/49€1.45M€922k▼
Amounts payable after more than one year17€675k€325k▼
Financial debts170/4€675k€325k▼
Amounts payable within one year42/48€694k€359k▼
Current portion of amounts payable after more than one year42€400k-
Trade debts44€234k€357k▲
Suppliers440/4€234k€357k▲
Taxes, remuneration and social security45€60k€1k▼
Taxes450/3€60k€1k▼
Accrued charges and deferred income492/3€82k€238k▲
Income statement
Code20232024
Turnover70€1.46M€1.52M▲
Goods, raw materials, services and sundry goods60/61€389k€302k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€391k€437k▲
Gross operating margin9900€1.07M€1.22M▲
Operating profit (loss)9901€678k€426k▼
Financial income75/76B€30-
Recurring financial income75€30-
Financial charges65/66B€923€12k▲
Recurring financial charges65€923€12k▲
Profit (loss) for the period before taxes9903€677k€414k▼
Profit (loss) for the period9904€677k€414k▼
Profit (loss) for the period to be appropriated9905€677k€414k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.03M€1.44M▲
Profit (loss) brought forward from the previous period14P€349k€1.03M▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
17-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 109 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 427 days late
2023
31-12
Financial
Highest result since 2019net €677k ▲104%
Operating result €678k, net result €677k, both a record.
31-12
Financial
Equity above €1MEq €1.33M ▲104%
3 profitable years in a row build equity to €1.33M.
2022
31-12
Financial
Equity above €500kEq €649k ▲104%
2 profitable years in a row build equity to €649k.
26-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 57 days late
2021
31-12
Financial
Back to profitnet €389k
Net result €389k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €318k
Equity rises from €-72k to €318k.
05-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 66 days late
2020
31-12
Financial
Weakest financial yearnet €-68k
Net result drops to €-68k, the lowest in the series; recovery starts the following year.
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 119 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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
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.
Bergstraat 30-341000 BrusselGround area
1,431 m²
Building footprint
927 m²
Volume, LiDAR
14,996 m³
Parcel 21802B1088/00A000, Brussels · tallest building 23.0 m, ±6 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21802B1088/00A000 ProtectedMonumentKoninklijke Sint-Hubertusgalerijen |
Brussels | 1,431 m² | 1 · 927 m² | 23.0 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,900. 2,156 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded22-05-2019
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.