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Generated 20-08-2026
Active BE 0435.235.436Public limited company

SPANDEX BENELUX

Excelsiorlaan 4A ·1930 Zaventem, Belgium· 37 yrs active
Sector: Activiteiten van reclamebureaus (73110)
Conclusion Checked

The computed 12-month bankruptcy probability of SPANDEX BENELUX is 0.5% (low). The 2023 annual accounts show equity of €1.79M and a net result of €-222k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 37% of 218 sector peers (fiscal year 2023). The company has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.
Key figures
Equity €1.79M
Net result €-222k
Staff (FTE) 17.5
Better than sector 37%
Financial profile 5 of 5 axes measured · computed by Checked
Health37Profitability0Solvency51Growth42Stability100
46 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 37
Profitability 0
Solvency 51
Growth 42
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.5% Low
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile +Long track record −Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1988, 37 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2023 · computed
37 / 100 Weak
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 30-10-2023 with the NBB · fiscal year 2023 · verkort
€-2.00M€0€2.00M€4.00M€6.00M€8.00MRevenue 2019: €6.68M€6.68MOperating result 2019: €353k€353kNet result 2019: €1.39M€1.39MRevenue 2020: €7.38M€7.38MOperating result 2020: €357k€357kNet result 2020: €1.59M€1.59MRevenue 2021: €6.16M€6.16MOperating result 2021: €307k€307kNet result 2021: €1.77M€1.77MOperating result 2022: €348k€348kNet result 2022: €124k€124kOperating result 2023: €-295k€-295kNet result 2023: €-222k€-222k20192020202120222023
RevenueOperating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~7.7%/year over 5 fiscal years, indicative, assuming unchanged policy.
€1.50M€2.00M€2.50M2024: €2.26M (€2.12M - €2.41M)2025: €2.40M (€2.26M - €2.55M)2026: €2.54M (€2.38M - €2.70M)2019: €1.52M2020: €1.72M2021: €1.89M2022: €2.02M2023: €1.79M20192020202120222023202420252026
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2023 · NACE 73, Advertising & market research · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 27.4% 44.0%
better than 37% of 218 sector peers
Net result €-222k €19k
better than 8% of 217 sector peers
Equity €1.79M €111k
better than 93% of 218 sector peers
Gross operating margin €4.87M €80k
better than 95% of 216 sector peers
Staff costs €4.83M €175k
higher than 95% of 97 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€6.16M
-16.5% 19-23
EBITDA
€-216k
- 19-23
Net profit
€-222k
- 19-23
Cash flow
€-144k
- 19-23
Total assets
€6.55M
+55.3% 19-23
Equity
€1.79M
-11.0% 19-23
Working capital
€1.82M
-3.2% 19-23
Employees (FTE)
18
-3.8% 19-23
Show 13 other metrics
Staff costs
€4.83M
+73.4% 19-23
Income taxes
€-16k
- 19-23
Debt
€4.75M
+116.1% 19-23
Debt ≤ 1y
€4.57M
+142.1% 19-23
Current ratio
1.40
-30.0% 19-23
Quick ratio
1.39
-28.5% 19-23
Solvency
27.4%
-42.7% 19-23
Debt / equity
2.65
+142.9% 19-23
ROE
-12.4%
- 19-23
ROA
-3.4%
- 19-23
Net margin
28.7%
+33.1% 19-23
EBITDA margin
7.9%
+9.2% 19-23
Interest coverage
-10.13
- 19-23
Figures by fiscal year
Fiscal year2023
Depositverkort
Revenue-
EBITDA€-216k
Net profit€-222k
Cash flow€-144k
Staff costs€4.83M
Income taxes€-16k
Dividends-
Total assets€6.55M
Equity€1.79M
Debt€4.75M
of which ≤ 1y€4.57M
of which > 1y-
Working capital€1.82M
Employees (FTE)17.5
Ratios (computed)
2023
Current ratio1.40
Quick ratio1.39
Working capital ratio27.8%
Solvency27.4%
Debt / equity2.65
Long-term debt ratio-
Interest coverage-10.13
Gross margin-
Net margin-
ROA-3.4%
ROE-12.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€6.55M
Fixed assets 21/28€155k
Intangible fixed assets 21€814
Tangible fixed assets 22/27€57k
Financial fixed assets 28€97k
Current assets 29/58€6.39M
Stocks & contracts in progress 3€31k
Amounts receivable within one year 40/41€5.96M
Cash & bank 54/58€397k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€6.55M
Equity 10/15€1.79M
Contributions / capital 10/11€112k
Reserves 13€11k
Accumulated profits (losses) 14€1.67M
Amounts payable 17/49€4.75M
Amounts payable within one year 42/48€4.57M
Trade debts payable within one year 44€1.84M
Income statement
Gross operating margin 9900€4.87M
Operating result 9901€-295k
Financial income 75€78k
Financial charges 65€21k
Result before taxes 9903€-238k
Income taxes 67/77€-16k
Net result for the period 9904€-222k
Result to be appropriated 9905€-222k
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 6 directors
Current directors & mandates
  • Carlos Vandroemme
    Director
    State Gazette act 25085891 (09-07-2025)
    Current
    10-08-2024 → present
  • Denis Bourgeois
    Director
    State Gazette act 25085891 (09-07-2025)
    Current
    10-08-2024 → present
  • Coulsen Andrew
    Director
    State Gazette act 24026268 (12-02-2024)
    Current
    01-02-2024 → present
  • Van Hasselt Daniel
    Director
    State Gazette act 24026268 (12-02-2024)
    Current
    01-02-2024 → present
    2 events
    • 10-08-2024 Resigned· Director
    • 01-02-2024 Appointed· Director
Former directors (2)
  • Bosma Camiel
    Director
    State Gazette act 24026268 (12-02-2024)
    Former
    - → 01-02-2024
  • Buvens Michaël
    Director
    State Gazette act 24026268 (12-02-2024)
    Former
    - → 01-02-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Activiteiten van reclamebureaus(73110)
Legal form Public limited company(014)
Incorporation20-09-1988
StatusActive
Postal code1930
Establishment units 1 location
SPANDEX BENELUX NV
Excelsiorlaan 55, 1930 ZaventemVervaardiging van deuren, ramen, kozijnen, luiken, jaloeziën, plinten, staaflijsten, enz, uit kunststof
since 19882.040.322.546
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23094D0050/00G002 Flanders 3,877 m² 1 · 1,343 m² 9.2 m · 1 fl.
23094D0045/00D002 Flanders 3,277 m² 1 · 790 m² 8.9 m · 2 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 13 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
09-07-2025
State Gazette act Director changes
2024
12-02-2024
State Gazette act Director changes
2023
30-10-2023
NBB filing Annual accounts filed
fiscal year 2023 · verkort
27-04-2023
State Gazette act Registered-office change
2022
27-10-2022
NBB filing Annual accounts filed
fiscal year 2022 · verkort
2021
22-10-2021
NBB filing Annual accounts filed
fiscal year 2021 · volledig
2020
27-10-2020
NBB filing Annual accounts filed
fiscal year 2020 · volledig
2019
28-10-2019
NBB filing Annual accounts filed
fiscal year 2019 · volledig
2018
29-10-2018
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2017
09-11-2017
NBB filing Annual accounts filed
fiscal year 2017 · volledig
12-10-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
12-10-2017
NBB filing Annual accounts filed
fiscal year 2015 · volledig
2015
03-11-2015
NBB filing Annual accounts filed
fiscal year 2014 · volledig
Belgian State Gazette reading coverage 0 of 15 acts read

We know of 15 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 3 acts
Address history · 1
27-04-2023
Registered-office move
All acts · 3 updated 1 year ago
2025
09-07-2025 2 directors appointed, 1 resigning Director changes
  • Carlos Vandroemme, Bestuurder
  • Denis Bourgeois, Bestuurder
  • Daniel Van Hasselt, Bestuurder
Technical details 
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      "statutory": "statutair",
      "compensated": false,
      "effective_date": "2024-08-10",
      "evidence_quote": "De enige aandeelhouder heeft beslist om het mandaat eervol te be\u00EBindigen van Daniel Van Hasselt, met woonplaats te [...], als bestuurder van de Vernootschap met ingang op 10 augustus 2024.",
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      "evidence_quote": "De enige aandeelhouder heeft beslist om: -de heer Carlos Vandroemme, met woonplaats te [...];",
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      "effective_date": "2024-08-10",
      "evidence_quote": "De enige aandeelhouder heeft beslist om: -de heer Denis Bourgeois, met woonplaats te [...];",
      "decharge_status": null,
      "mandate_duration": {
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        "value": "6"
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      "rep_rotation_new_rep": null,
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      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "substantive_delegation",
      "role": "advocaat",
      "person": {
        "rrn": null,
        "name": "Christina Trappeniers",
        "address": null,
        "birth_date": null,
        "profession": "Advocaat",
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": {
        "kbo": null,
        "name": "Laurius BV",
        "address": "Louis Schmidtlaan 29/1, 1040 Brussel",
        "country": "BE",
        "legal_form": "BV"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "De enige aar\u0131deelhouder beslist om eer\u0131 bijzondere volmacht te verstrekken aan het advocatenkantoor Laurius BV, met kantoor te Louis Schmidtlaan 29/1, 1040 Brussel, vertegenwoordigd door Christina Trappeniers, llias D\u0027hav\u00E9, Louise de Wilde d\u0027Estmael en iedere andere advocaat van Laurius BV, met moge",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
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    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Luik",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": "2025-07-02",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
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      "body": "enig_aandeelhouder_schriftelijk",
      "date": "2025-12-17",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0435.235.436",
    "name_full": "SPANDEX BENELUX",
    "legal_form": "NV"
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": null,
    "org_name": "Laurius BV",
    "person_name": null,
    "org_rep_person_name": "Christina Trappeniers",
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2024
12-02-2024 3 directors appointed, 2 resigning Director changes
  • Coulsen Andrew, Bestuurder
  • Van Hasselt Daniel, Bestuurder
  • Martin Lens, Dagelijks bestuur
  • Bosma Camiel, Bestuurder
  • Buvens Michaël, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Bosma Camiel",
        "address": "A Van Ommerenlaan 57, 3771 KD Baneveld (NL)",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "eervol",
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": false,
      "effective_date": "2024-02-01",
      "evidence_quote": "De enige aandeelhouder ontslaat de volgende bestuurders eervol met onmiddellijk ingang en dankt hen",
      "decharge_status": "granted",
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    {
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        "name": "Buvens Micha\u00EBl",
        "address": "Rue Joseph Wauters 52, 4800 Verviers (BE)",
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      },
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    },
    {
      "kind": "director_in",
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      "person": {
        "rrn": null,
        "name": "Coulsen Andrew",
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      },
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    {
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      "person": {
        "rrn": null,
        "name": "Van Hasselt Daniel",
        "address": "Julianastraat 22, 3905 EM Veenendaal (NL)",
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      },
      "reason": null,
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      "compensated": false,
      "effective_date": "2024-02-01",
      "evidence_quote": "De enige aandeelhouder beslist de volgende personen, met onmiddellijk ingang als bestuurders",
      "decharge_status": null,
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      "rep_rotation_new_rep": null,
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    },
    {
      "kind": "delegation_dagelijks_bestuur_in",
      "role": "dagelijks_bestuur",
      "person": {
        "rrn": null,
        "name": "Martin Lens",
        "address": "Louis Schmidtlaan 29 bus 1, 1040 Etterbeek",
        "birth_date": null,
        "profession": "advocaat",
        "birth_place": null
      },
      "reason": null,
      "subkind": "additional",
      "via_org": {
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      },
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "De aandeelhouders hebben unaniem beslist een volmacht te verlenen aan Martin Lens advocaat, met",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
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      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
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    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Brussel",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-02-12",
    "filing_date": "2024-02-01",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
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      "date": "2023-11-13",
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  "is_correction": false,
  "subject_company": {
    "kbo": "0435.235.436",
    "name_full": "Spandex Benelux",
    "legal_form": "NV"
  },
  "publication_proxy": {
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}
2023
27-04-2023 Registered office moved within Zaventem Registered-office change
  • Excelsiorlaan 55, 1930 Zaventem → Excelsiorlaan 4A, 1930 Zaventem
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Excelsiorlaan 4A, 1930 Zaventem",
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        "region": "vlaams_gewest",
        "street": "Excelsiorlaan",
        "country": "BE",
        "postcode": "1930",
        "box_number": null,
        "street_number": "4A",
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      },
      "old_address": {
        "raw": "Excelsiorlaan 55, 1930 Zaventem",
        "city": "Zaventem",
        "region": "vlaams_gewest",
        "street": "Excelsiorlaan",
        "country": "BE",
        "postcode": "1930",
        "box_number": null,
        "street_number": "55",
        "locality_suffix": null
      },
      "effective_date": "2023-05-01",
      "evidence_quote": "De raad van bestuur heeft beslist om de zetel van de vennootschap te verplaatsen naar Excelsiorlaan 4A, 1930 Zaventem en dit met ingang op 01 mei 2023.",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "immediate",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Brussel",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": null,
    "filing_date": "2023-04-19",
    "act_kind_objet": "Zetelverplaatsing - Volmacht"
  },
  "decision": {
    "body": "raad_van_bestuur",
    "date": "2023-04-13",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0435.235.436",
    "name_full": "SPANDEX BENELUX",
    "legal_form": "NV"
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": null,
    "org_name": "Laurius CVBA (BV)",
    "person_name": null,
    "org_rep_person_name": "Femke Tordeur",
    "person_role_at_subject": null
  },
  "co_filed_documents": []
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Groothandel in andere machines en werktuigen, neg46649Groothandel in vervoermiddelen met uitzondering van auto's, motorrijwielen en rijwielen, in meetapparaten en -instrumenten, in navigatieapparatuur en andere diverse machines en uitrusting voor de nijv51872Activiteiten van reclamebureaus73110Publiciteitsagentschappen74401
Primary activity highlighted.
Names & trade names
Legal nameNL SPANDEX BENELUX
Registered office
Excelsiorlaan 4A
1930 Zaventem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative