GROEP S.P.V.
ActiveSummary
GROEP S.P.V. has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €999k and a net result of €-22k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 50% of 1851 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▼-15
Solvency66=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 7.74 against 18.45 in 2024; short-term debt: 2.2% and cash: 17% of total assets), but 59.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 49
Relative position
BE, all sectors
reference
Sector 49
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
40.6%
Return on assets
-0.9%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
31 d early
2023
29 d late
2022
29 d late
2021
1 d early
2020
27 d late
2019
on the day
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€0
Total assets
€2.46M▼ 1.7%
2024 · €2.50M
2018: €1.69M
2019: €2.09M
2020: €2.04M
2021: €2.00M
2022: €2.02M
2023: €2.05M
2024: €2.50M
2018 → 2025
Net result
€-22k
2024 · €51k
2018: €159k
2019: €6k
2020: €158k
2021: €171k
2022: €96k
2023: €93k
2024: €51k
2018 → 2025
Working capital
€367k▼ 30.5%
2024 · €528k
2018: €-61k
2019: €-246k
2020: €-143k
2021: €-115k
2022: €-58k
2023: €14k
2024: €528k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0
Equity€781k-€877k▲ 12.3%€970k▲ 10.6%€1.02M▲ 5.3%€999k▼ 2.2%
Operating result€289k-€183k▼ 36.8%€192k▲ 5.0%€150k▼ 21.6%€-6k
Net result€171k-€96k▼ 43.6%€93k▼ 3.9%€51k▼ 44.7%€-22k
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 turns negative in 2025: a loss of €6k after €150k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.46M
Fixed assets
€2.04M ▲ 4.9%
Current assets
€421k ▼ 24.5%
Equity and liabilities €2.46M
Equity
€999k ▼ 2.2%
Provisions
€71k =
Debt
€1.39M ▼ 1.4%
Debt's share of the balance-sheet total rises from 56.4% to 56.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€98k▼
2024 · €246k
Cash flow
€81k▼
2024 · €147k
Current ratio
7.74▼
2024 · 18.45
Debt to equity
1.39▲
2024 · 1.38
ROE
-2.2%▼
2024 · 5.0%
ROA
-0.9%▼
2024 · 2.0%
Interest coverage
1.79▼
2024 · 3.25
Debt ≤ 1 year
€54k▲
2024 · €30k
Debt > 1 year
€1.34M▼
2024 · €1.38M
Income taxes
€-271▼
2024 · €27k
Staff costs
€2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.50M€2.46M▼
Fixed assets21/28€1.95M€2.04M▲
Tangible fixed assets22/27€1.94M€2.04M▲
Land and buildings22€1.92M€2.02M▲
Furniture and vehicles24€25k€16k▼
Financial fixed assets28€2k€2k=
Current assets29/58€558k€421k▼
Amounts receivable within one year40/41€4k€3k▼
Trade receivables40€1k-
Other amounts receivable41€3k€3k▼
Cash at bank and in hand54/58€552k€419k▼
Deferred charges and accrued income490/1€2k€146▼
Equity and liabilities
Total equity and liabilities10/49€2.50M€2.46M▼
Equity10/15€1.02M€999k▼
Contributions10/11€20k€20k=
Reserves13€955k€955k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€141k€141k=
Distributable reserves133€812k€812k=
Profit (loss) carried forward14€46k€24k▼
Provisions and deferred taxes16€71k€71k=
Deferred taxes168€71k€71k=
Amounts payable17/49€1.41M€1.39M▼
Amounts payable after more than one year17€1.38M€1.34M▼
Financial debts170/4€1.38M€1.34M▼
Amounts payable within one year42/48€30k€54k▲
Trade debts44€4k€10k▲
Suppliers440/4€4k€10k▲
Taxes, remuneration and social security45€26k€43k▲
Taxes450/3€26k€43k▲
Other amounts payable47/48-€1k
Income statement
Code20242025
Remuneration, social security and pensions62-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€96k€104k▲
Other operating charges640/8€20k€47k▲
Gross operating margin9900€266k€147k▼
Operating profit (loss)9901€150k€-6k▼
Financial income75/76B-€38k
Recurring financial income75-€38k
Financial charges65/66B€76k€55k▼
Recurring financial charges65€76k€55k▼
Profit (loss) for the period before taxes9903€75k€-22k▼
Transfer from deferred taxes780€4k-
Income taxes67/77€27k€-271▼
Profit (loss) for the period9904€51k€-22k▼
Transfer from tax-exempt reserves789€8k-
Profit (loss) for the period to be appropriated9905€59k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€105k€24k▼
Profit (loss) brought forward from the previous period14P€46k€46k=
Transfer to equity691/2€59k-
To other reserves6921€59k-
The notes to these accounts (12 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-22k ▼143%
Net result drops to €-22k, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity times 12current ratio 18.45
Current ratio from 1.50 to 18.45.
31-12
Financial
Equity above €1MEq €1.02M ▲5.3%
7 profitable years in a row build equity to €1.02M.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Liquidity times 9current ratio 1.50
Current ratio from 0.17 to 1.50; short-term debt falls from €70k to €29k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €171k ▲7.8%
Operating result €289k, net result €171k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Equity above €500kEq €610k ▲35.1%
3 profitable years in a row build equity to €610k.
Show earlier events
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1 day late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Leuven · 1 establishment unit since 1963
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.
Heilige-Geeststraat 73000 LeuvenGround area
503 m²
Building footprint
169 m²
Volume, LiDAR
1,135 m³
Parcel 24504E0492/00T000, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Groep S.P.V.
since 19632.102.105.212
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24504E0492/00T000 | Flanders | 503 m² | 1 · 169 m² | 10.4 m · 2 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 528 EUR awarded · 528 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 528 EUR | 528 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
8755007QNFEZKIMRRS19
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Of 6,994 companies in sector 49320 we hold annual accounts for 2,722. 544 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-01-1968
Fiscal year end31-12
Activities, NACEBEL 2025
49320Non-scheduled passenger transport by road
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
General meetings
1 convocationGeneral meeting
Goedkeuring jaarrekening. Bestemming resultaat. Kwijting bestuur- ders. (Her)Benoemingen. Divers. (AOPC-1-9-01198/26.05)