SP NAVETTE
ActiveThe computed 12-month bankruptcy probability of SP NAVETTE is 6.7% (elevated). The 2025 annual accounts show negative equity (€-7k) and a net result of €-14k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 7% of 4575 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
17
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-67
Solvency0▼-53
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
6.7%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.19 against 0.63 in 2024; short-term debt: 156.5% and cash: 24.5% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-56.5%
Return on assets
-115.5%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-7k
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 05-02-2026, 176 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
176 d early
2024
160 d early
2023
182 d early
2022
152 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
€-7k
2024 · €7k
2022: €6k
2023: €7k
2024: €7k
2022 → 2025
Total assets
€12k▼ 52.3%
2024 · €25k
2022: €10k
2023: €45k
2024: €25k
2022 → 2025
Net result
€-14k▼ 2,985%
2024 · €-443
2022: €4k
2023: €2k
2024: €-443
2022 → 2025
Working capital
€-15k▼ 123%
2024 · €-7k
2022: €3k
2023: €-4k
2024: €-7k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€6k-€7k▲ 30.6%€7k▼ 6.0%€-7k
Operating result€8k-€7k▼ 17.3%€5k▼ 33.4%€-11k
Net result€4k-€2k▼ 52.7%€-443€-14k▼ 2,985%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €5k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €12k
Fixed assets
€8k▼ 39.7%
Current assets
€4k▼ 67.7%
Key figures and ratios
EBITDA
€-5k▼
2024 · €7k
Cash flow
€-8k▼
2024 · €2k
Solvency
-56.5%▼
2024 · 28.1%
Current ratio
0.19▼
2024 · 0.63
Quick ratio
0.19▼
2024 · 0.63
Debt / equity
-2.77▼
2024 · 2.55
ROA
-115.5%▼
2024 · -1.8%
Interest coverage
-87.40▼
2024 · 113.81
Debt
€19k▲
2024 · €18k
Debt ≤ 1 year
€19k▲
2024 · €18k
Income taxes
€3k▼
2024 · €5k
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€25k€12k▼
Fixed assets21/28€14k€8k▼
Tangible fixed assets22/27€14k€8k▼
Furniture and vehicles24€14k€8k▼
Current assets29/58€11k€4k▼
Amounts receivable within one year40/41€718€696▼
Trade receivables40€360€200▼
Other amounts receivable41€358€496▲
Cash at bank and in hand54/58€10k€3k▼
Equity and liabilities
Total equity and liabilities10/49€25k€12k▼
Equity10/15€7k€-7k▼
Contributions10/11€2k€2k=
Reserves13€5k€5k=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€-439€-14k▼
Amounts payable17/49€18k€19k▲
Amounts payable within one year42/48€18k€19k▲
Trade debts44€43-
Suppliers440/4€43-
Taxes, remuneration and social security45€646€148▼
Taxes450/3€646€148▼
Other amounts payable47/48€17k€18k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Other operating charges640/8€6k€2k▼
Non-recurring operating charges66A€6k-
Gross operating margin9900€19k€-4k▼
Operating profit (loss)9901€5k€-11k▼
Financial charges65/66B€63€58▼
Recurring financial charges65€63€58▼
Profit (loss) for the period before taxes9903€5k€-11k▼
Income taxes67/77€5k€3k▼
Profit (loss) for the period9904€-443€-14k▼
Profit (loss) for the period to be appropriated9905€-443€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-439€-14k▼
Profit (loss) brought forward from the previous period14P€5€-439▼
The notes to these accounts (4 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
05-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series.
21-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Charleroi · 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.
Rue du Château d'Eau 256042 CharleroiGround area
627 m²
Building footprint
88 m²
Volume, LiDAR
578 m³
Parcel 52040C0093/00B002, Wallonia · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sp Navette
since 20222.331.464.977
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52040C0093/00B002 | Wallonia | 627 m² | 1 · 88 m² | 9.2 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.
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TRANS-MUST
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Of 962 companies in sector 49310 we hold annual accounts for 487. 307 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-05-2022
Fiscal year end31-12
Activities, NACEBEL
49310Scheduled passenger transport by road
49320Non-scheduled passenger transport by road
49390Land transport and transport via pipelines
52210Service activities incidental to land transportation
53100Postal and courier activities
82920Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:serpaquet@voo.be
Phone:+32471852282