Equity
€10,303 ▼ 39.4%
SP AVOCAT paid out €28,000 in dividends. That is 132% of the 2025 profit.
SP AVOCAT
Lifetime
5 annual accounts with figures on one time axispeak €52,220 (2025)
€52,220▲ 134%
lowest -€114 (2024)
€21,292▲ €21,406
peak €32,420 (2023)
€10,303▼ 39.4%
€57,026▼ 0.9%
Board1 name since 2021
1 directorPANIS Samuel Thibaut François Jean
Documentsfilings and deeds
16-07-202615 days before the deadline
2025micro format
Gross margin from €22,317 to €52,220Back to profit: €21,292Registered office moved within Charleroi 10-09Dividend €28,000Equity from €17,011 to €10,303Investments €4,868
Key points
from the 2025 annual accountsTurnover
≈ €110,000 estimated
The micro format states no turnover.
Debts
€57,026 85% of the balance sheet
Suppliers 5%Taxes and wages 17%Other 78%
Investments
€4,971 2.0 × depreciation
Green is investment, beige is depreciation.
Filings
5 annual accounts since 2021
The last five annual accounts were filed 12 to 34 days before the end of the period.
Position in the sector
€10,303
Less equity than 86% of companies in legal and accounting. Sector median €86,410 · 15,829 companies.
Checked score
92
Excellent
Financially stronger than 37% of micro companies in legal and accounting (NACE 69)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 20,103 companies (NACE 69, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025lowest value
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: 0.1%▲ +0.1 percentage points vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.4%▲ +0.3 percentage points vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.5%▲ +0.1 percentage points vs 03-2026
05-2026: 0.5%● unchanged vs 04-2026highest value
06-2026: 0.1%▼ -0.4 percentage points vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
lowers risk
Sector: Legal and accounting activities (NACE 69)
Liquidity: current ratio 1.07, cash €54,594
Figures for financial year 2025 (filed on 16-07-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 69, micro). It does better than 19% of them on solvency, 36% on liquidity, 82% on profitability and 13% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,713 companies had the same profile as SP AVOCAT has now. Each dot stands for 17 companies, two years later.
95.8%
were still trading
2.2%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SP AVOCAT itself is lower: 0.1% within 12 months. It rests on far more data about SP AVOCAT than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,713 companies, not a prediction for SP AVOCAT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.07 (1.23 in 2024), below the usual 1.5. Short-term debt is 84.7% and cash 81.1% of total assets. 84.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 15824 sector peers (2025).
NBB · sector comparisonPosition among 15824 sector peers
Solvency
better than 17%
← weakest
strongest →
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 16-07-2026, 15 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
15 days early
2024
21 days early
2023
12 days early
2022
25 days early
2021
34 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 21 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 10 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0762431876
Registered office moved within Charleroi
New registered office: Boulevard Janson, 82 à 6000 CHARLEROI · Previous registered office: Rue de l'Athénée 6, 6000 CHARLEROI · General meeting of 22-08-2025 · Gazette deed
Registered office moved from Le Roeulx to Charleroi
New registered office: rue de l'Athénée, 6 à 6000 CHARLEROI · Previous registered office: Rue Grande 11, 7070 LE ROEULX · General meeting of 15-04-2024 · Gazette deed
Incorporation
Founding capital of €5,000, 100 shares · Founder: PANIS Samuel Thibaut François Jean · Appointment: PANIS Samuel Thibaut François Jean (director) · published on 27-01-2021 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SP AVOCAT Charleroi | €67,329 | €52,220 | 15.3% | - |
| REGIS BROCCA AVOCAT Charleroi | €63,801 | €58,823 | 9.9% | - |
| ROBIN RED Watermael-Boitsfort | €68,503 | €53,537 | 10.9% | - |
| DJLP Antwerp | €64,231 | €55,703 | 57.7% | - |
| ADVOCATENKANTOOR BERT VAN CAUTER Ghent | €66,017 | €54,952 | 59.0% | - |
| KABO ADVOCATEN Ninove | €67,586 | €52,873 | 25.9% | - |
| ME-LEGAL Aalst | €71,129 | €46,315 | 51.0% | - |
These companies have the same main activity as SP AVOCAT: activities of lawyers (NACE 69101). They are comparable in size and age: total assets between €63,800 and €71,100, founded between 2020 and 2021.
Official details
Source: KBO- Status
- Active since 25-01-2021Normal situation
- Activity
- Activities of lawyersNACE 69101
- Establishment unit
- 2.312.516.5236000 Charleroi, since 25-01-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 02-10-2025
Annual accounts 2025
- €67,329▼ 9.7%
- Filing
- Filed on 16-07-2026, 15 days before the end of the filing period
Insights on SP AVOCAT
SP AVOCAT files the micro format. That format states no turnover. The gross margin rose from €23,896 in 2021 to €52,220 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SP AVOCAT
- What is the company number of SP AVOCAT?
- The company number of SP AVOCAT is 0762.431.876. The VAT number is the same number with BE in front: BE 0762.431.876.
- Where is SP AVOCAT based?
- The registered office is at Boulevard Paul Janson 82, 6000 Charleroi.Company details
- What does SP AVOCAT do?
- According to the KBO register, the main activity is activities of lawyers (NACE 69101).
- What is the legal form of SP AVOCAT?
- SP AVOCAT is a private limited company (BV).
- When was SP AVOCAT founded?
- SP AVOCAT was founded on 25-01-2021.
- Is SP AVOCAT still active?
- Yes, SP AVOCAT is an active enterprise in the KBO register.
- What is the turnover of SP AVOCAT?
- The turnover in financial year 2025 is ≈ €110,000. This figure is estimated from the gross margin of €52,220 and 85 comparable companies (NACE 69). It probably lies between €85,000 and €150,000.Financials
- Is SP AVOCAT profitable?
- In financial year 2025, SP AVOCAT made a profit of €21,292.
- Where can I find the annual accounts of SP AVOCAT?
- SP AVOCAT filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SP AVOCAT due?
- SP AVOCAT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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