SP Accountancy
ActiveSP Accountancy has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €398k and a net result of €146k. Equity is growing by ~55.1% per year across the filed fiscal years. Its solvency ranks better than 90% of 12685 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 9.67 against 4.5 in 2024; short-term debt: 9% and cash: 0.3% of total assets), and 9% 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 69
Relative position
BE, all sectors
reference
Sector 69
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
91%
Return on assets
33.5%
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 01-04-2026, 121 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
121 d early
2024
73 d early
2023
68 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€398k▲ 58.2%
2024 · €252k
2023: €121k
2024: €252k
2023 → 2025
Total assets
€437k▲ 45.9%
2024 · €300k
2023: €174k
2024: €300k
2023 → 2025
Net result
€146k▲ 10.6%
2024 · €132k
2023: €118k
2024: €132k
2023 → 2025
Working capital
€340k▲ 102%
2024 · €168k
2023: €30k
2024: €168k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€121k-€252k▲ 108%€398k▲ 58.2%
Operating result€167k-€188k▲ 12.6%€189k▲ 0.8%
Net result€118k-€132k▲ 12.7%€146k▲ 10.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 1% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €437k
Fixed assets
€58k▼ 30.9%
Current assets
€380k▲ 75.6%
Equity and liabilities €437k
Equity
€398k▲ 58.2%
Debt
€39k▼ 18.3%
The debt ratio falls from 16.0% to 9.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€215k▲
2024 · €212k
Cash flow
€172k▲
2024 · €156k
Solvency
91.0%▲
2024 · 84.0%
Current ratio
9.67▲
2024 · 4.50
Quick ratio
9.67▲
2024 · 4.50
Debt / equity
0.10▼
2024 · 0.19
ROE
36.8%▼
2024 · 52.6%
ROA
33.5%▼
2024 · 44.2%
Interest coverage
1618.01▼
2024 · 1767.91
Debt
€39k▼
2024 · €48k
Debt ≤ 1 year
€39k▼
2024 · €48k
Income taxes
€44k▼
2024 · €56k
Staff costs
€18k
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€300k€437k▲
Fixed assets21/28€83k€58k▼
Tangible fixed assets22/27€83k€58k▼
Furniture and vehicles24€67k€46k▼
Other tangible fixed assets26€17k€12k▼
Financial fixed assets28€10€10=
Current assets29/58€216k€380k▲
Amounts receivable within one year40/41€40k€51k▲
Trade receivables40€40k€50k▲
Other amounts receivable41-€1k
Current investments50/53€100k€317k▲
Cash at bank and in hand54/58€68k€1k▼
Deferred charges and accrued income490/1€8k€10k▲
Equity and liabilities
Total equity and liabilities10/49€300k€437k▲
Equity10/15€252k€398k▲
Contributions10/11€5k€5k=
Reserves13€247k€393k▲
Distributable reserves133€247k€393k▲
Amounts payable17/49€48k€39k▼
Amounts payable within one year42/48€48k€39k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€24k€23k▼
Taxes450/3€24k€19k▼
Remuneration and social security454/9-€4k
Other amounts payable47/48€23k€14k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€18k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€26k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€275
Other operating charges640/8€1k€980▼
Gross operating margin9900€213k€234k▲
Operating profit (loss)9901€188k€189k▲
Financial income75/76B€542€1k▲
Recurring financial income75€542€1k▲
Financial charges65/66B€120€133▲
Recurring financial charges65€120€133▲
Profit (loss) for the period before taxes9903€188k€190k▲
Income taxes67/77€56k€44k▼
Profit (loss) for the period9904€132k€146k▲
Profit (loss) for the period to be appropriated9905€132k€146k▲
Appropriation of the result
Profit (loss) to be appropriated9906€132k€146k▲
Transfer to equity691/2€131k€146k▲
To other reserves6921€131k€146k▲
Profit to be distributed694/7€2k-
Return on contributions (dividend)694€2k-
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
22-07
State Gazette act
Incorporation · Founder
Founding capital · Bank account · Sylvie DEMUYSERE
14-07
State Gazette act
Incorporation · Founder
Founding capital · Bank account
01-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
27-03
State Gazette act
Incorporation · Founder
Founding capital · Bank account · Jeroen Uytterhaegen
2025
31-12
Financial
Highest result since 2023net €146k ▲10.6%
Operating result €189k, net result €146k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 9.67
Current ratio from 4.50 to 9.67; short-term debt falls from €48k to €39k.
19-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 4.50
Current ratio from 1.56 to 4.50; short-term debt falls from €53k to €48k.
31-12
Financial
Equity above €200kEq €252k ▲108%
2 profitable years in a row build equity to €252k.
24-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneState Gazette actNBB 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, Wetteren · 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.
Kortewagenstraat 729230 WetterenGround area
746 m²
Building footprint
164 m²
Volume, LiDAR
790 m³
Parcel 42025A0051/00L000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SP accountancy
since 20222.329.611.089
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42025A0051/00L000 | Flanders | 746 m² | 1 · 164 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 795 EUR awarded · 795 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 195 EUR | 195 EUR |
| 2024 | 1 | 465 EUR | 465 EUR |
| 2023 | 1 | 135 EUR | 135 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,638. 5,769 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-03-2022
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:sven-pauwels@outlook.com