S.P.R.A.
ActiveThe computed 12-month bankruptcy probability of S.P.R.A. is 1.5% (moderate). The 2025 annual accounts show equity of €130k and a net result of €6k. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 60% of 13270 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-4
Solvency66▲+8
Growth52=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.98 against 0.91 in 2024; short-term debt: 29.1% and cash: 5% of total assets), and 58.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
41.5%
Return on assets
1.9%
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 24-07-2026, 7 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
7 d early
2024
8 d early
2023
8 d early
2022
5 d early
2021
3 d early
2020
1 d early
2019
1 d early
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€130k▲ 4.7%
2024 · €124k
2018: €40k
2019: €41k
2020: €72k
2021: €72k
2022: €91k
2023: €109k
2024: €124k
2018 → 2025
Total assets
€314k▼ 15.7%
2024 · €372k
2018: €377k
2019: €329k
2020: €312k
2021: €381k
2022: €363k
2023: €382k
2024: €372k
2018 → 2025
Net result
€6k▼ 61.4%
2024 · €15k
2018: €18k
2019: €898
2020: €31k
2021: €-65
2022: €19k
2023: €18k
2024: €15k
2018 → 2025
Working capital
€-2k▲ 84.1%
2024 · €-11k
2018: €-115k
2019: €-96k
2020: €-48k
2021: €-72k
2022: €-31k
2023: €-21k
2024: €-11k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€72k-€91k▲ 26.9%€109k▲ 19.6%€124k▲ 13.9%€130k▲ 4.7%
Operating result€11k-€29k▲ 161%€26k▼ 9.3%€31k▲ 19.1%€21k▼ 34.2%
Net result€-65-€19k€18k▼ 7.7%€15k▼ 15.0%€6k▼ 61.4%
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 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €314k
Fixed assets
€224k▼ 15.7%
Current assets
€90k▼ 15.7%
Equity and liabilities €314k
Equity
€130k▲ 4.7%
Debt
€184k▼ 25.9%
The debt ratio falls from 66.6% to 58.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€69k▼
2024 · €79k
Cash flow
€54k▼
2024 · €62k
Solvency
41.5%▲
2024 · 33.4%
Current ratio
0.98▲
2024 · 0.91
Quick ratio
0.80▲
2024 · 0.78
Debt / equity
1.41▼
2024 · 1.99
ROE
4.5%▼
2024 · 12.2%
ROA
1.9%▼
2024 · 4.1%
Interest coverage
5.87▼
2024 · 7.24
Debt
€184k▼
2024 · €248k
Debt ≤ 1 year
€91k▼
2024 · €117k
Debt > 1 year
€92k▼
2024 · €130k
Income taxes
€6k▼
2024 · €10k
Staff costs
€41k▼
2024 · €53k
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€372k€314k▼
Fixed assets21/28€266k€224k▼
Tangible fixed assets22/27€260k€220k▼
Land and buildings22€193k€167k▼
Plant, machinery and equipment23€53k€41k▼
Furniture and vehicles24€13k€7k▼
Leasing and similar rights25-€5k
Financial fixed assets28€6k€4k▼
Current assets29/58€106k€90k▼
Stocks and contracts in progress3€15k€16k▲
Stocks30/36€15k€16k▲
Amounts receivable within one year40/41€45k€57k▲
Trade receivables40€12k€10k▼
Other amounts receivable41€33k€47k▲
Cash at bank and in hand54/58€43k€16k▼
Deferred charges and accrued income490/1€3k€852▼
Equity and liabilities
Total equity and liabilities10/49€372k€314k▼
Equity10/15€124k€130k▲
Contributions10/11€6k€6k=
Reserves13€118k€124k▲
Distributable reserves133€118k€124k▲
Amounts payable17/49€248k€184k▼
Amounts payable after more than one year17€130k€92k▼
Financial debts170/4€130k€92k▼
Amounts payable within one year42/48€117k€91k▼
Current portion of amounts payable after more than one year42€40k€39k▼
Financial debts43€1k€1k=
Credit institutions430/8€1k€1k=
Trade debts44€35k€21k▼
Suppliers440/4€35k€21k▼
Advances received on contracts in progress46€23k€6k▼
Taxes, remuneration and social security45€17k€25k▲
Taxes450/3€7k€15k▲
Remuneration and social security454/9€10k€9k▼
Accrued charges and deferred income492/3€700€352▼
Income statement
Code20242025
Non-recurring operating income76A€11k€20k▲
Remuneration, social security and pensions62€53k€41k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€48k▲
Other operating charges640/8€6k€6k▼
Gross operating margin9900€137k€116k▼
Operating profit (loss)9901€31k€21k▼
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Financial charges65/66B€11k€12k▲
Recurring financial charges65€11k€12k▲
Profit (loss) for the period before taxes9903€25k€12k▼
Income taxes67/77€10k€6k▼
Profit (loss) for the period9904€15k€6k▼
Profit (loss) for the period to be appropriated9905€15k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€6k▼
Transfer to equity691/2€15k€6k▼
To other reserves6921€15k€6k▼
The notes to these accounts (13 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €109k ▲19.6%
2 profitable years in a row build equity to €109k.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-65 ▼100%
Net result drops to €-65, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €31k ▲3359%
Operating result €46k, net result €31k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Truiden · 1 establishment unit since 2016
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.
Drie-Gezustersstraat 523800 Sint-TruidenGround area
1,126 m²
Building footprint
383 m²
Volume, LiDAR
2,578 m³
2 parcels, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bistro Philippe
since 20162.254.506.167
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71064C0710/00D000 | Flanders | 927 m² | 1 · 201 m² | 7.2 m · 2 fl. |
| 73302F0490/00D002 | Flanders | 199 m² | 1 · 182 m² | 11.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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).
Similar companies · same sector, comparable size
Devlieghere-Dusart
BE 0841.975.836
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UMBERTO
BE 0701.758.871
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Brasserie Oud Hoogstraeten
BE 0787.829.446
Hoogstraten · Eq €130k
BELFOOD
BE 0734.403.628
Elsene · Eq €130k
Warmenbol
BE 0634.985.358
Schoten · Eq €130k
Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 9,255 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-2016
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56210Event catering
10200Manufacture of food products
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@traiteurphilippe.be
Phone:011/311875