Spaarvarkens.be
ActiveSpaarvarkens.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
Six 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 →
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
23-09-2026 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%
The debt ratio 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
Solvency
86.8%▲
2024 · 70.9%
Current ratio
8.58▲
2024 · 3.68
Quick ratio
8.45▲
2024 · 3.59
Debt / 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
€65k▼
2024 · €138k
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 / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
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.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-06-2021
Fiscal year end31-12
Activities, NACEBEL
60310News agency activities
63910Computing infrastructure, data processing, hosting and other information service 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
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.spaarvarkens.be