S.P.S.
ActiveS.P.S. is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.92M and a net result of €4k. Equity is growing by ~23.2% per year across the filed fiscal years. Its solvency ranks better than 78% of 7971 sector peers (fiscal year 2025). The company has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
31 d late
2023
6 d early
2022
3 d early
2021
31 d early
2020
23 d early
2019
18 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.92M▲ 0.2%
2024 · €1.91M
2018: €554k
2019: €540k
2020: €569k
2021: €582k
2022: €1.91M
2023: €1.90M
2024: €1.91M
2018 → 2025
Net result
€4k▼ 73.9%
2024 · €15k
2018: €86k
2019: €-13k
2020: €29k
2021: €13k
2022: €1.33M
2023: €-16k
2024: €15k
2018 → 2025
Total assets
€2.38M▼ 5.3%
2024 · €2.51M
2018: €1.37M
2019: €1.32M
2020: €1.16M
2021: €1.12M
2022: €2.69M
2023: €2.58M
2024: €2.51M
2018 → 2025
Solvency
80.7%▲ 4.4pp
2024 · 76.3%
2018: 40.5%
2019: 41.0%
2020: 49.2%
2021: 51.8%
2022: 71.2%
2023: 73.5%
2024: 76.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€582k-€1.91M▲ 229%€1.90M▼ 0.8%€1.91M▲ 0.8%€1.92M▲ 0.2%
Operating result€31k-€1.78M▲ 5,643%€-16k€18k€4k▼ 76.0%
Net result€13k-€1.33M▲ 10,193%€-16k€15k€4k▼ 73.9%
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 76% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.38M
Fixed assets
€975k▲ 2.2%
Current assets
€1.40M▼ 9.9%
Equity and liabilities €2.38M
Equity
€1.92M▲ 0.2%
Provisions
€442k=
Debt
€16k▼ 89.4%
The debt ratio falls from 6.1% to 0.7%: equity grows while debt is paid down.
Key figures and ratios
Solvency
80.7%▲
2024 · 76.3%
ROE
0.2%▼
2024 · 0.8%
ROA
0.2%▼
2024 · 0.6%
Debt
€16k▼
2024 · €153k
Debt ≤ 1 year
€16k▼
2024 · €29k
Income taxes
€3k▼
2024 · €4k
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€2.51M€2.38M▼
Fixed assets21/28€954k€975k▲
Tangible fixed assets22/27€954k€975k▲
Land and buildings22€929k€950k▲
Furniture and vehicles24€24k€24k▼
Current assets29/58€1.55M€1.40M▼
Amounts receivable within one year40/41€11k€45k▲
Trade receivables40€6k€39k▲
Other amounts receivable41€6k€6k▲
Cash at bank and in hand54/58€1.51M€1.35M▼
Deferred charges and accrued income490/1€31k€7k▼
Equity and liabilities
Total equity and liabilities10/49€2.51M€2.38M▼
Equity10/15€1.91M€1.92M▲
Contributions10/11€101k€101k=
Reserves13€1.81M€1.82M▲
Tax-exempt reserves132€1.34M€1.34M=
Distributable reserves133€468k€472k▲
Provisions and deferred taxes16€442k€442k=
Deferred taxes168€442k€442k=
Amounts payable17/49€153k€16k▼
Amounts payable within one year42/48€29k€16k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€14k€3k▼
Suppliers440/4€14k€3k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€781€1k▲
Taxes450/3€781€1k▲
Other amounts payable47/48€14k€13k▼
Accrued charges and deferred income492/3€124k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€36k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€0-
Other operating charges640/8€14k€10k▼
Gross operating margin9900€73k€50k▼
Operating profit (loss)9901€18k€4k▼
Financial income75/76B€901€4k▲
Recurring financial income75€901€4k▲
Financial charges65/66B€106€991▲
Recurring financial charges65€106€991▲
Profit (loss) for the period before taxes9903€19k€7k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€15k€4k▼
Profit (loss) for the period to be appropriated9905€15k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€4k▼
Transfer from equity791/2€0-
Transfer to equity691/2€15k€4k▼
To other reserves6921€15k€4k▼
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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
31-12
Financial
Liquidity times 8current ratio 53.75
Current ratio from 6.56 to 53.75; short-term debt falls from €242k to €29k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-16k ▼101%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €1.33M ▲10193%
Operating result €1.78M, net result €1.33M, both a record.
31-12
Financial
Liquidity times 76current ratio 5.40
Current ratio from 0.07 to 5.40; short-term debt falls from €529k to €311k.
31-12
Financial
Equity above €1MEq €1.91M ▲229%
3 profitable years in a row build equity to €1.91M.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Mechelen · 1 establishment unit since 1987
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.
Heffen-Dorp(HEF) 192801 MechelenGround area
1,055 m²
Building footprint
261 m²
Volume, LiDAR
2,306 m³
Parcel 12012A0419/00B000, Flanders · tallest building 15.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
S.P.S.
since 19872.033.000.630
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12012A0419/00B000 | Flanders | 1,055 m² | 1 · 261 m² | 15.9 m · 4 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 801 companies in sector 64999 we hold annual accounts for 482. 215 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-02-1987
Fiscal year end31-12
Activities, NACEBEL
64999Other financial services
65236
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.