Pro - Spectief
ActivePro - Spectief has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €158k and a net result of €53k. Equity is growing by ~55.5% per year across the filed fiscal years. Its solvency ranks better than 72% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+9
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 3.42 against 1.97 in 2024; short-term debt: 23.2% and cash: 64.2% of total assets), and 23.2% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
76.8%
Return on assets
25.9%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
3 d early
2024
27 d early
2023
32 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€158k▲ 50.9%
2024 · €105k
2023: €42k
2024: €105k
2023 → 2025
Total assets
€206k▲ 30.7%
2024 · €158k
2023: €129k
2024: €158k
2023 → 2025
Net result
€53k▼ 15.3%
2024 · €63k
2023: €39k
2024: €63k
2023 → 2025
Working capital
€116k▲ 128%
2024 · €51k
2023: €42k
2024: €51k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€42k-€105k▲ 151%€158k▲ 50.9%
Operating result€71k-€79k▲ 11.7%€67k▼ 14.9%
Net result€39k-€63k▲ 62.4%€53k▼ 15.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €206k
Fixed assets
€42k▼ 21.8%
Current assets
€164k▲ 58.1%
Equity and liabilities €206k
Equity
€158k▲ 50.9%
Debt
€48k▼ 9.5%
The debt ratio falls from 33.5% to 23.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€82k▼
2024 · €93k
Cash flow
€68k▼
2024 · €78k
Solvency
76.8%▲
2024 · 66.5%
Current ratio
3.42▲
2024 · 1.97
Quick ratio
3.42▲
2024 · 1.97
Debt / equity
0.30▼
2024 · 0.50
ROE
33.7%▼
2024 · 60.1%
ROA
25.9%▼
2024 · 40.0%
Interest coverage
261.92▼
2024 · 959.83
Debt
€48k▼
2024 · €53k
Debt ≤ 1 year
€48k▼
2024 · €53k
Income taxes
€13k▼
2024 · €16k
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€158k€206k▲
Fixed assets21/28€54k€42k▼
Tangible fixed assets22/27€54k€42k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€54k€41k▼
Current assets29/58€104k€164k▲
Amounts receivable within one year40/41€15k€29k▲
Trade receivables40€15k€29k▲
Cash at bank and in hand54/58€87k€132k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€158k€206k▲
Equity10/15€105k€158k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€102k€155k▲
Amounts payable17/49€53k€48k▼
Amounts payable within one year42/48€53k€48k▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€36k€28k▼
Taxes450/3€33k€26k▼
Remuneration and social security454/9€3k€2k▼
Other amounts payable47/48€16k€18k▲
Accrued charges and deferred income492/3€215-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€15k▲
Other operating charges640/8€959€821▼
Gross operating margin9900€94k€83k▼
Operating profit (loss)9901€79k€67k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€97€313▲
Recurring financial charges65€97€313▲
Profit (loss) for the period before taxes9903€79k€67k▼
Income taxes67/77€16k€13k▼
Profit (loss) for the period9904€63k€53k▼
Profit (loss) for the period to be appropriated9905€63k€53k▼
Appropriation of the result
Profit (loss) to be appropriated9906€102k€155k▲
Profit (loss) brought forward from the previous period14P€39k€102k▲
The notes to these accounts (5 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
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €150kEq €158k ▲50.9%
3 profitable years in a row build equity to €158k.
04-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2023net €63k ▲62.4%
Operating result €79k, net result €63k, both a record.
30-06
Financial
Equity above €100kEq €105k ▲151%
2 profitable years in a row build equity to €105k.
2023
30-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Bilzen-Hoeselt · 1 establishment unit since 2022
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.
St-Lodewijkstraat 913740 Bilzen-HoeseltGround area
1,036 m²
Building footprint
169 m²
Volume, LiDAR
844 m³
Parcel 73005C0948/00C000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Pro - Spectief
since 20222.334.306.087
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73005C0948/00C000 | Flanders | 1,036 m² | 1 · 169 m² | 8.2 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.
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 40,755 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-07-2022
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
71121Engineering and related technical consultancy, excluding land surveyors
73110Advertising agencies
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.