Spaarvarkens.be
ActiveSummary
Spaarvarkens.be has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €427k and a net result of €91k. Equity is growing by ~30.2% per year across the filed fiscal years. Its solvency ranks better than 84% of 162 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+15
Solvency100▲+4
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 8.58 against 3.68 in 2024; short-term debt: 11.6% and cash: 30.7% of total assets), and 13.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
86.8%
Return on assets
18.6%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 60
Relative position
BE, all sectors
reference
Sector 60
lower
← fewer bankruptcies
more bankruptcies →
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 · 5 filingsDeviation from the deadline
2025
8 d early
2024
27 d late
2023
47 d late
2022
31 d late
2021
31 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
€427k▲ 27.2%
2024 · €336k
2021: €57k
2022: €173k
2023: €304k
2024: €336k
2021 → 2025
Total assets
€492k▲ 3.9%
2024 · €474k
2021: €87k
2022: €271k
2023: €404k
2024: €474k
2021 → 2025
Net result
€91k▲ 186%
2024 · €32k
2021: €54k
2022: €116k
2023: €131k
2024: €32k
2021 → 2025
Working capital
€433k▲ 26.0%
2024 · €344k
2021: €58k
2022: €173k
2023: €310k
2024: €344k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€173k▲ 202%€304k▲ 75.8%€336k▲ 10.5%€427k▲ 27.2%
Operating result€68k-€148k▲ 118%€168k▲ 13.8%€30k▼ 82.4%€109k▲ 268%
Net result€54k-€116k▲ 113%€131k▲ 13.4%€32k▼ 75.6%€91k▲ 186%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 268% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €492k
Fixed assets
€2k ▲ 32.7%
Current assets
€491k ▲ 3.9%
Equity and liabilities €492k
Equity
€427k ▲ 27.2%
Debt
€65k ▼ 52.8%
Debt's share of the balance-sheet total falls from 29.1% to 13.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€110k▲
2024 · €30k
Cash flow
€92k▲
2024 · €33k
Current ratio
8.58▲
2024 · 3.68
Quick ratio
8.45▲
2024 · 3.59
Debt to equity
0.15▼
2024 · 0.41
ROE
21.4%▲
2024 · 9.5%
ROA
18.6%▲
2024 · 6.7%
Interest coverage
102.55▲
2024 · 16.71
Debt ≤ 1 year
€57k▼
2024 · €128k
Income taxes
€32k▲
2024 · €9k
Staff costs
€36k▼
2024 · €47k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€474k€492k▲
Fixed assets21/28€1k€2k▲
Tangible fixed assets22/27€1k€2k▲
Plant, machinery and equipment23€1k€2k▲
Current assets29/58€472k€491k▲
Stocks and contracts in progress3€12k€7k▼
Stocks30/36€12k€7k▼
Amounts receivable within one year40/41€82k€61k▼
Trade receivables40€71k€50k▼
Other amounts receivable41€11k€11k=
Current investments50/53€281k€267k▼
Cash at bank and in hand54/58€98k€151k▲
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€474k€492k▲
Equity10/15€336k€427k▲
Contributions10/11€3k€3k=
Reserves13€333k€424k▲
Distributable reserves133€333k€424k▲
Amounts payable17/49€138k€65k▼
Amounts payable within one year42/48€128k€57k▼
Financial debts43€6k€3k▼
Credit institutions430/8€6k€3k▼
Trade debts44€52k€24k▼
Suppliers440/4€52k€24k▼
Taxes, remuneration and social security45€70k€30k▼
Taxes450/3€59k€24k▼
Remuneration and social security454/9€10k€6k▼
Accrued charges and deferred income492/3€9k€8k▼
Income statement
Code20242025
Remuneration, social security and pensions62€47k€36k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€654€1k▲
Other operating charges640/8€521€520▼
Gross operating margin9900€78k€147k▲
Operating profit (loss)9901€30k€109k▲
Financial income75/76B€13k€16k▲
Recurring financial income75€13k€16k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€41k€124k▲
Income taxes67/77€9k€32k▲
Profit (loss) for the period9904€32k€91k▲
Profit (loss) for the period to be appropriated9905€32k€91k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€91k▲
Transfer to equity691/2€32k€91k▲
To other reserves6921€32k€91k▲
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
31-12
Financial
Liquidity doublescurrent ratio 8.58
Current ratio from 3.68 to 8.58; short-term debt falls from €128k to €57k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet €32k ▼75.6%
Net result drops to €32k, the lowest in the series; recovery starts the following year.
16-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 47 days late
2023
31-12
Financial
Highest result since 2021net €131k ▲13.4%
Operating result €168k, net result €131k, both a record.
31-12
Financial
Equity above €200kEq €304k ▲75.8%
3 profitable years in a row build equity to €304k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €150kEq €173k ▲202%
2 profitable years in a row build equity to €173k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 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, Mol · 1 establishment unit since 2021
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.
Hangarstraat 222400 MolGround area
899 m²
Building footprint
137 m²
Volume, LiDAR
800 m³
Parcel 13434F0094/00D002, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Spaarvarkens.be
since 20212.319.044.524
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13434F0094/00D002 | Flanders | 899 m² | 1 · 136 m² | 8.4 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.
Recognitions · licences · registrations
Legal Entity Identifier
5493000FUEKIFX41CJ14
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Of 719 companies in sector 60310 we hold annual accounts for 157. 100 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
Founded22-06-2021
Fiscal year end31-12
Activities, NACEBEL 2025
60310News agency activities
66199Other activities auxiliary to financial services, excluding insurance and pension funding
58190Other publishing activities, excluding software publishing
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.spaarvarkens.be