SP Solutions
ActiveSummary
SP Solutions has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71k and a net result of €18k. Equity is growing by ~61.9% per year across the filed fiscal years. Its solvency ranks better than 85% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▼-3
Solvency100=
Growth78=
Track record82
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 6.76 against 3.94 in 2024; short-term debt: 14.4% and cash: 24.9% of total assets), and 14.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
85.6%
Return on assets
22.3%
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 23-07-2026, 8 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
8 d early
2024
44 d early
2023
10 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€71k▲ 35.1%
2024 · €52k
2023: €6k
2024: €52k
2023 → 2025
Total assets
€83k▲ 18.9%
2024 · €70k
2023: €9k
2024: €70k
2023 → 2025
Net result
€18k▼ 60.3%
2024 · €46k
2023: €4k
2024: €46k
2023 → 2025
Working capital
€69k▲ 36.0%
2024 · €51k
2023: €6k
2024: €51k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€6k-€52k▲ 778%€71k▲ 35.1%
Operating result€5k-€59k▲ 1,089%€23k▼ 60.3%
Net result€4k-€46k▲ 1,071%€18k▼ 60.3%
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 60% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€2k ▲ 11.8%
Current assets
€81k ▲ 19.1%
Equity and liabilities €83k
Equity
€71k ▲ 35.1%
Debt
€12k ▼ 30.6%
Debt's share of the balance-sheet total falls from 24.7% to 14.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€24k▼
2024 · €59k
Cash flow
€19k▼
2024 · €47k
Current ratio
6.76▲
2024 · 3.94
Debt to equity
0.17▼
2024 · 0.33
ROE
26.0%▼
2024 · 88.6%
ROA
22.3%▼
2024 · 66.7%
Interest coverage
48.53
Debt ≤ 1 year
€12k▼
2024 · €17k
Income taxes
€5k▼
2024 · €13k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 32 lines
Balance sheet
Code20242025
Assets
Total assets20/58€70k€83k▲
Fixed assets21/28€2k€2k▲
Tangible fixed assets22/27€2k€2k▲
Plant, machinery and equipment23€2k€2k▲
Current assets29/58€68k€81k▲
Amounts receivable within one year40/41€11k€16k▲
Trade receivables40€4k€2k▼
Other amounts receivable41€7k€14k▲
Current investments50/53-€44k
Cash at bank and in hand54/58€56k€21k▼
Equity and liabilities
Total equity and liabilities10/49€70k€83k▲
Equity10/15€52k€71k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€50k€69k▲
Amounts payable17/49€17k€12k▼
Amounts payable within one year42/48€17k€12k▼
Taxes, remuneration and social security45€17k€12k▼
Taxes450/3-€12k
Remuneration and social security454/9€17k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€320€653▲
Gross operating margin9900€59k€24k▼
Operating profit (loss)9901€59k€23k▼
Financial income75/76B€337€739▲
Recurring financial income75€337€739▲
Financial charges65/66B-€497
Recurring financial charges65-€497
Profit (loss) for the period before taxes9903€59k€24k▼
Income taxes67/77€13k€5k▼
Profit (loss) for the period9904€46k€18k▼
Profit (loss) for the period to be appropriated9905€46k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€69k▲
Profit (loss) brought forward from the previous period14P€4k€50k▲
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €46k ▲1071%
Operating result €59k, net result €46k, both a record.
10-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 10 days late
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, Elsene · 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.
Armand Campenhoutstraat 81050 ElseneGround area
1,124 m²
Building footprint
229 m²
Volume, LiDAR
1,488 m³
Parcel 21447B0218/00B004, Brussels · tallest building 17.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SP Solutions
since 20232.352.947.509
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0218/00B004 | Brussels | 1,124 m² | 1 · 229 m² | 17.1 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 24,500 companies in sector 82990 we hold annual accounts for 9,404. 7,105 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-2023
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
70200Business and other management consultancy
73300Public relations and communication consultancy
74202Other professional, scientific and technical activities
85599Other education
90111Literary creation
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.