SP INTERIEUR DESIGN 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 €387k and a net result of €73k. Equity is growing by ~42.5% per year across the filed fiscal years. Its solvency ranks better than 35% of 2385 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
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 08-06-2026, 53 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
53 d early
2024
49 d early
2023
54 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, full schema
Equity
€387k▲ 23.3%
2024 · €313k
2023: €120k
2024: €313k
2023 → 2025
Net result
€73k▼ 62.3%
2024 · €194k
2023: €70k
2024: €194k
2023 → 2025
Total assets
€880k▼ 4.1%
2024 · €917k
2023: €901k
2024: €917k
2023 → 2025
Solvency
43.9%▲ 9.8pp
2024 · 34.2%
2023: 13.3%
2024: 34.2%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€120k-€313k▲ 161%€387k▲ 23.3%
Operating result€104k-€105k▲ 1.3%€104k▼ 1.7%
Net result€70k-€194k▲ 177%€73k▼ 62.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 2% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €880k
Fixed assets
€850k=
Current assets
€30k▼ 56.0%
Equity and liabilities €880k
Equity
€387k▲ 23.3%
Debt
€493k▼ 18.3%
The debt ratio falls from 65.8% to 56.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
43.9%▲
2024 · 34.2%
ROE
18.9%▼
2024 · 61.7%
ROA
8.3%▼
2024 · 21.1%
Debt
€493k▼
2024 · €604k
Debt ≤ 1 year
€386k▼
2024 · €469k
Debt > 1 year
€107k▼
2024 · €135k
Income taxes
€20k▼
2024 · €21k
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€917k€880k▼
Fixed assets21/28€850k€850k=
Financial fixed assets28€850k€850k=
Current assets29/58€67k€30k▼
Amounts receivable within one year40/41€38k€8k▼
Trade receivables40€8k€8k▲
Other amounts receivable41€30k€2▼
Cash at bank and in hand54/58€29k€22k▼
Equity and liabilities
Total equity and liabilities10/49€917k€880k▼
Equity10/15€313k€387k▲
Contributions10/11€50k€50k=
Profit (loss) carried forward14€263k€337k▲
Amounts payable17/49€604k€493k▼
Amounts payable after more than one year17€135k€107k▼
Financial debts170/4€135k€107k▼
Amounts payable within one year42/48€469k€386k▼
Current portion of amounts payable after more than one year42€27k€28k▲
Financial debts43-€20k
Credit institutions430/8-€20k
Trade debts44€387€0▼
Suppliers440/4€387€0▼
Taxes, remuneration and social security45€50k€20k▼
Taxes450/3€50k€20k▼
Other amounts payable47/48€392k€319k▼
Income statement
Code20242025
Other operating charges640/8€387€1k▲
Gross operating margin9900€106k€105k▼
Operating profit (loss)9901€105k€104k▼
Financial income75/76B€130k€12k▼
Recurring financial income75€130k€12k▼
Financial charges65/66B€21k€22k▲
Recurring financial charges65€21k€22k▲
Profit (loss) for the period before taxes9903€215k€93k▼
Income taxes67/77€21k€20k▼
Profit (loss) for the period9904€194k€73k▼
Profit (loss) for the period to be appropriated9905€194k€73k▼
Appropriation of the result
Profit (loss) to be appropriated9906€263k€337k▲
Profit (loss) brought forward from the previous period14P€70k€263k▲
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (9 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2023net €194k ▲177%
Operating result €105k, net result €194k, both a record.
31-12
Financial
Equity above €200kEq €313k ▲161%
2 profitable years in a row build equity to €313k.
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · full 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, Fleurus · 1 establishment unit since 2023
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.
Chaussée de Gilly(FL) 2276220 FleurusGround area
785 m²
Building footprint
1,861 m²
Volume, LiDAR
6,599 m³
Parcel 52332C0383/00F004, Wallonia · tallest building 5.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SP INTERIEUR DESIGN
since 20232.343.049.252
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52332C0383/00F004 | Wallonia | 785 m² | 1 · 1,861 m² | 5.2 m · 1 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 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,781 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-03-2023
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.