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MY SPECTRUM

Active
Public limited companyfounded 199135 yrs activeBaron Ruzettelaan 233, 8310 Brugge, BelgiumKBO/BCE: BE 0444.001.761
Summary

MY SPECTRUM has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €711,739 and a net result of €558,001. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 50% of 4911 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
MY SPECTRUMActiveChecked score 95/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of electrical household appliances
NACE 47540NACE 52450
5 sites
Size
€2.0mtotal assets 2025
Staff
15.4 FTE
Equity
€711,739
Profit
€558,001
Net result +142%: other schema
Financial health
95 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Parent
PROCON INTERNATIONAL · 100%
Accounts 4 d early0 of 5 deeds read
Why 95- Sector Retail trade (NACE 47)+ Founded in 1991+ Liquidity: current ratio 1.47, cash €375,420+ Profit of €558,001 (FY 2025)Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Better than 70% of its sector peers (NACE 47, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 61+1
equity 36.3% of total assets
Liquidity 41-9
short-term debt 63.0% · cash 19.1%
Profitability 100+14
return on assets 28.5%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,688 companies)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● 0.0% vs 11-2024 01-2025: 0.3%▼ -0.7% vs 12-2024 02-2025: 0.3%● 0.0% vs 01-2025 03-2025: 0.3%▼ -1.1% vs 02-2025 04-2025: 0.3%▼ -4.2% vs 03-2025 05-2025: 0.2%▼ -4.3% vs 04-2025 06-2025: 0.2%▼ -3.7% vs 05-2025 07-2025: 0.3%▲ +18.9% vs 06-2025highest value 08-2025: 0.2%▼ -38.6% vs 07-2025 09-2025: 0.2%● 0.0% vs 08-2025 10-2025: 0.2%● 0.0% vs 09-2025 11-2025: 0.2%● 0.0% vs 10-2025 12-2025: 0.2%● 0.0% vs 11-2025 01-2026: 0.2%▼ -0.6% vs 12-2025 02-2026: 0.2%● 0.0% vs 01-2026 03-2026: 0.2%▼ -0.6% vs 02-2026 04-2026: 0.2%▼ -4.8% vs 03-2026 05-2026: 0.2%▼ -0.6% vs 04-2026 06-2026: 0.2%▼ -5.0% vs 05-2026 07-2026: 0.2%▲ +7.9% vs 06-2026 08-2026: 0.1%▼ -25.2% vs 07-2026lowest value 09-2026: 0.1%● 0.0% vs 08-2026lowest value 10-2026: 0.1%● 0.0% vs 09-2026lowest value
  • Founded in 1991 lowers the probability for this profile
  • Liquidity: current ratio 1.47, cash €375,420 lowers the probability
  • Sector Retail trade (NACE 47) raises the probability
  • Profit of €558,001 (FY 2025) lowers the probability
Credit up to €65,000 at 30 days acceptable
Liquidity tight (current ratio 1.47 against 1.39 in 2024; short-term debt: 63% and cash: 19.1% of total assets), and 63.7% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, small). Better than this share of them on solvency 57%, liquidity 46%, profitability 98%, growth against the median 80%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Founded in 1991
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Liquidity: current ratio 1.47, cash €375,420
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Sector Retail trade (NACE 47)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Profit of €558,001 (FY 2025)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €711,739
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
4 d early
2024
35 d early
2023
on the day
2022
92 d late
2021
78 d late
2020
89 d late
2019
31 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 36 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

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. Usually files around 1 August (4 of the last 5 filed years within 77 days of that day).
Companies Code · seven months
Position in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · full…
  2. Annual accounts filedfiscal year 2024 · abbreviated…
  3. Annual accounts filedfiscal year 2023 · abbreviated…

Key points

  • Positive: Result rose in 2025different schema filed ▲ 142% View
  • Positive: Among the best 11% on net resultsector median €41,157 · 4,911 companies €558,001 View
  • Controlled by PROCON INTERNATIONAL 100% View
  • Positive: 7 profitable years in a rowprofit 2025: €558,001 7 years View
  • Flemish supportawarded 2022 - 2025 €56,856 View

By topic

Financials

Fiscal year
2025
Total assets
€2.0m
Profit
€558,001
Solvency
36.3%
Total assets▲ 16.8%
Net result
20182025
Go to Financials

Timeline

Events
12
Since
2017
Next accounts
by 31-07-2027
  1. 27-07-2026Annual accounts filed
  2. 26-06-2025Annual accounts filed
  3. 31-07-2024Annual accounts filed
Go to Timeline

Company details

Sites
5
Legal form
Public limited company
Activity
Retail sale of electrical household appliancesNACE 47540
Founded
25-04-1991
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies

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