Spaenhoven
ActiveSpaenhoven is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €68k and a net result of €134k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 18% of 1418 sector peers (fiscal year 2024). The company has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 1418 sector peers (2024).
NBB · sector comparisonPosition among 1418 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-07-2025, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
18 d early
2023
51 d early
2022
33 d early
2021
48 d early
2020
60 d early
2019
51 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€68k▲ 0.1%
2023 · €68k
2018: €76k
2019: €75k
2020: €73k
2021: €68k
2022: €68k
2023: €68k
2018 → 2024
Net result
€134k▲ 12.7%
2023 · €119k
2018: €111k
2019: €182k
2020: €109k
2021: €35k
2022: €53k
2023: €119k
2018 → 2024
Total assets
€717k▲ 4.2%
2023 · €688k
2018: €499k
2019: €506k
2020: €476k
2021: €500k
2022: €332k
2023: €688k
2018 → 2024
Solvency
9.5%▼ 0.4pp
2023 · 9.9%
2018: 15.3%
2019: 14.8%
2020: 15.4%
2021: 13.7%
2022: 20.5%
2023: 9.9%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€73k-€68k▼ 6.7%€68k▼ 0.3%€68k=€68k▲ 0.1%
Operating result€152k-€30k▼ 80.1%€79k▲ 161%€161k▲ 103%€179k▲ 11.6%
Net result€109k-€35k▼ 68.4%€53k▲ 52.2%€119k▲ 126%€134k▲ 12.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 12% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €717k
Fixed assets
€7k▼ 6.5%
Current assets
€710k▲ 4.3%
Equity and liabilities €717k
Equity
€68k▲ 0.1%
Debt
€649k▲ 4.7%
The debt ratio rises from 90.1% to 90.5%: debt grows faster than equity.
Key figures and ratios
Solvency
9.5%▼
2023 · 9.9%
ROE
196.4%▲
2023 · 174.4%
ROA
18.7%▲
2023 · 17.3%
Debt
€649k▲
2023 · €620k
Debt ≤ 1 year
€649k▲
2023 · €620k
Income taxes
€52k▲
2023 · €47k
Staff costs
€16k▼
2023 · €39k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€688k€717k▲
Fixed assets21/28€7k€7k▼
Intangible fixed assets21€2k€2k▼
Tangible fixed assets22/27€5k€5k▼
Furniture and vehicles24€5k€5k▼
Financial fixed assets28€324€324=
Current assets29/58€681k€710k▲
Amounts receivable within one year40/41€37k€92k▲
Trade receivables40€30k€86k▲
Other amounts receivable41€7k€6k▼
Current investments50/53€197k€147k▼
Cash at bank and in hand54/58€443k€469k▲
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€688k€717k▲
Equity10/15€68k€68k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€2€56▲
Amounts payable17/49€620k€649k▲
Amounts payable within one year42/48€620k€649k▲
Trade debts44€449k€509k▲
Suppliers440/4€449k€509k▲
Taxes, remuneration and social security45€52k€6k▼
Taxes450/3€46k€3k▼
Remuneration and social security454/9€6k€2k▼
Other amounts payable47/48€119k€134k▲
Income statement
Code20232024
Remuneration, social security and pensions62€39k€16k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€3k€7k▲
Gross operating margin9900€204k€203k▼
Operating profit (loss)9901€161k€179k▲
Financial income75/76B€4k€13k▲
Recurring financial income75€4k€13k▲
Financial charges65/66B€-2k€6k▲
Recurring financial charges65€-2k€6k▲
Profit (loss) for the period before taxes9903€166k€186k▲
Income taxes67/77€47k€52k▲
Profit (loss) for the period9904€119k€134k▲
Profit (loss) for the period to be appropriated9905€119k€134k▲
Appropriation of the result
Profit (loss) to be appropriated9906€119k€134k▲
Profit (loss) brought forward from the previous period14P€0€2▲
Profit to be distributed694/7€119k€134k▲
Return on contributions (dividend)694€119k€134k▲
Social balance
Average headcount (FTE)90870.60.3▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
13-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €35k ▼68.4%
Net result drops to €35k, the lowest in the series; recovery starts the following year.
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €182k ▲64.4%
Operating result €222k, net result €182k, both a record.
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
03-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Waasmunster · 1 establishment unit since 1960
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.
Beukenlaan 2/19250 WaasmunsterGround area
1,857 m²
Building footprint
304 m²
Volume, LiDAR
1,695 m³
Parcel 42342C1559/00C000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Beukenlaan 2/1, 9250 Waasmunster
since 19602.004.919.922
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42342C1559/00C000 | Flanders | 1,857 m² | 1 · 304 m² | 9.3 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 2,190 EUR awarded · 2,190 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,190 EUR | 2,190 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
9676002ZZBL8GZPDAE76
Similar companies · same sector, comparable size
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BE 0474.182.421
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BUREAU BRONCKART
BE 0440.318.434
Lasne · Eq €68k
Progeny (Belgium)
BE 0457.936.109
Sint-Pieters-Woluwe · Eq €68k
LIETAER N & C
BE 0446.090.330
Menen · Eq €68k
Of 4,668 companies in sector 66220 we hold annual accounts for 3,216. 2,495 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-01-1968
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.