Fernand Speelt
ActiveSummary
Fernand Speelt has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €88,411 and a net result of €37,552. Equity is growing by ~39.9% per year across the filed fiscal years. Its solvency ranks better than 89% of 2021 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
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Signals
This company filed its last 6 accounts on average 81 days before the deadline; the sector median for financial year 2024 is 4 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
History
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Financials · fiscal year 2025, micro schema
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 90, Arts creation and performing arts activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: < 0.1% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| 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% | 1.6% |
| 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 74% 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 26,964 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.
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €51,868 | €58,064 | €46,658 | €147,944 | €107,880 | ▼ 27.1% |
| Goods, raw materials, services and sundry goods60/61 | €52,298 | €67,657 | €39,154 | €94,534 | €111,022 | ▲ 17.4% |
| Other operating charges640/8 | - | - | - | €50,713 | - | - |
| Gross operating margin9900 | €17,070 | -€2,093 | €11,504 | €61,911 | €37,708 | ▼ 39.1% |
| Operating profit (loss)9901 | €17,070 | -€2,093 | €11,504 | €11,198 | €37,708 | ▲ 237% |
| Financial charges65/66B | €152 | €155 | €155 | €132 | €156 | ▲ 18.2% |
| Recurring financial charges65 | €152 | €155 | €155 | €132 | €156 | ▲ 18.2% |
| Profit (loss) for the period before taxes9903 | €16,919 | -€2,247 | €11,349 | €11,066 | €37,552 | ▲ 239% |
| Profit (loss) for the period9904 | €16,919 | -€2,247 | €11,349 | €11,066 | €37,552 | ▲ 239% |
| Profit (loss) for the period to be appropriated9905 | €16,919 | -€2,247 | €11,349 | €11,066 | €37,552 | ▲ 239% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €32,975 | €30,343 | €40,156 | €50,968 | €98,523 | ▲ 93.3% |
| Current assets29/58 | €32,975 | €30,343 | €40,156 | €50,968 | €98,523 | ▲ 93.3% |
| Amounts receivable within one year40/41 | €6,914 | €7,005 | - | €4,027 | €9,433 | ▲ 134% |
| Trade receivables40 | €2,210 | - | - | - | €6,831 | - |
| Other amounts receivable41 | €4,703 | €7,005 | - | €4,027 | €2,601 | ▼ 35.4% |
| Cash at bank and in hand54/58 | €25,946 | €23,338 | €40,156 | €46,941 | €84,676 | ▲ 80.4% |
| Deferred charges and accrued income490/1 | €115 | - | - | - | €4,414 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €32,975 | €30,343 | €40,156 | €50,968 | €98,523 | ▲ 93.3% |
| Equity10/15 | €30,690 | €28,443 | €39,792 | €50,859 | €88,411 | ▲ 73.8% |
| Profit (loss) carried forward14 | €30,690 | €28,443 | €39,792 | €50,859 | €88,411 | ▲ 73.8% |
| Amounts payable17/49 | €2,284 | €1,900 | €363 | €109 | €10,112 | ▲ 9,149% |
| Amounts payable within one year42/48 | €2,284 | - | €363 | €109 | €7,741 | ▲ 6,980% |
| Trade debts44 | €2,284 | - | - | €109 | €7,741 | ▲ 6,980% |
| Suppliers440/4 | €2,284 | - | - | €109 | €7,741 | ▲ 6,980% |
| Taxes, remuneration and social security45 | - | - | €363 | - | - | - |
| Taxes450/3 | - | - | €363 | - | - | - |
| Accrued charges and deferred income492/3 | - | €1,900 | - | - | €2,371 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,919 | -€2,247 | €11,349 | €11,066 | €37,552 | ▲ 239% |
| Operating cash flow (approximation) | €16,919 | -€2,247 | €11,349 | €11,066 | €37,552 | ▲ 239% |
| Change in cash | - | -€2,608 | €16,818 | €6,785 | €37,734 | ▲ 456% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Directors · office · real estate
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24433E0060/00E007 | Flanders | 169 m² | 1 · 72 m² | 12.6 m · 3 fl. |
Linked by address, not proof of ownership
Similar companies · same sector, comparable size
Identification & contact
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.