SPANPLAFONDS TAMBUYSER
ActiveThe computed 12-month bankruptcy probability of SPANPLAFONDS TAMBUYSER is 1.9% (moderate). The 2025 annual accounts show equity of €3k and a net result of €42k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 15% of 7415 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency30▼-69
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
5.2%
Return on assets
72.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 7415 sector peers (2025).
NBB · sector comparisonPosition among 7415 sector peers
Solvency
better than 15%
← weakest
strongest →
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 06-03-2026, 147 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
147 d early
2024
34 d early
2023
37 d early
2022
28 d late
2021
10 d late
2020
12 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 93.8%
2024 · €48k
2020: €12k
2021: €23k
2022: €24k
2023: €3k
2024: €48k
2020 → 2025
Total assets
€58k▼ 10.3%
2024 · €65k
2020: €18k
2021: €33k
2022: €33k
2023: €55k
2024: €65k
2020 → 2025
Net result
€42k▼ 6.4%
2024 · €45k
2020: €9k
2021: €11k
2022: €156
2023: €33k
2024: €45k
2020 → 2025
Working capital
€-7k
2024 · €35k
2020: €10k
2021: €25k
2022: €10k
2023: €-7k
2024: €35k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€24k▲ 0.7%€3k▼ 87.3%€48k▲ 1,504%€3k▼ 93.8%
Operating result€16k-€267▼ 98.3%€44k▲ 16,430%€59k▲ 33.1%€54k▼ 7.5%
Net result€11k-€156▼ 98.6%€33k▲ 20,867%€45k▲ 37.8%€42k▼ 6.4%
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 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58k
Fixed assets
€10k▼ 18.9%
Current assets
€48k▼ 8.2%
Equity and liabilities €58k
Equity
€3k▼ 93.8%
Debt
€55k▲ 231%
The debt ratio rises from 25.7% to 94.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€59k▼
2024 · €63k
Cash flow
€47k▼
2024 · €50k
Solvency
5.2%▼
2024 · 74.3%
Current ratio
0.87▼
2024 · 3.13
Quick ratio
0.87▼
2024 · 3.13
Debt / equity
18.35▲
2024 · 0.35
ROA
72.8%▲
2024 · 69.7%
Interest coverage
1006.62▼
2024 · 1242.23
Debt
€55k▲
2024 · €17k
Debt ≤ 1 year
€55k▲
2024 · €17k
Income taxes
€12k▼
2024 · €14k
A ratio outside any meaningful range has been withheld (balance sheet total €58k, equity €3k).
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€65k€58k▼
Fixed assets21/28€13k€10k▼
Tangible fixed assets22/27€13k€10k▼
Plant, machinery and equipment23-€3k
Furniture and vehicles24€13k€8k▼
Financial fixed assets28€200€200=
Current assets29/58€52k€48k▼
Amounts receivable within one year40/41€11k€11k▲
Trade receivables40€5k€8k▲
Other amounts receivable41€6k€3k▼
Cash at bank and in hand54/58€39k€35k▼
Deferred charges and accrued income490/1€2k€993▼
Equity and liabilities
Total equity and liabilities10/49€65k€58k▼
Equity10/15€48k€3k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€45k-
Amounts payable17/49€17k€55k▲
Amounts payable within one year42/48€17k€55k▲
Trade debts44€12k€1k▼
Suppliers440/4€12k€1k▼
Taxes, remuneration and social security45€2k€8k▲
Taxes450/3€2k€8k▲
Other amounts payable47/48€3k€46k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€1k€799▼
Gross operating margin9900€65k€60k▼
Operating profit (loss)9901€59k€54k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€51€59▲
Recurring financial charges65€51€59▲
Profit (loss) for the period before taxes9903€59k€54k▼
Income taxes67/77€14k€12k▼
Profit (loss) for the period9904€45k€42k▼
Profit (loss) for the period to be appropriated9905€45k€42k▼
Appropriation of the result
Profit (loss) to be appropriated9906€45k€87k▲
Profit (loss) brought forward from the previous period14P-€45k
Profit to be distributed694/7-€87k
Return on contributions (dividend)694-€87k
The notes to these accounts (6 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
06-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €45k ▲37.8%
Operating result €59k, net result €45k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 3.13
Current ratio from 0.86 to 3.13; short-term debt falls from €52k to €17k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €156 ▼98.6%
Net result drops to €156, the lowest in the series; recovery starts the following year.
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Bilzen-Hoeselt · 1 establishment unit since 2020
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.
Zwaluwstraat 163730 Bilzen-HoeseltGround area
2,032 m²
Building footprint
156 m²
Volume, LiDAR
426 m³
Parcel 73077B0312/00E003, Flanders · tallest building 3.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Spanplafonds Tambuyser
since 20202.300.771.407
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73077B0312/00E003 | Flanders | 2,032 m² | 1 · 156 m² | 3.0 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 333 companies in sector 41002 we hold annual accounts for 133. 40 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2020
Fiscal year end31-12
Activities, NACEBEL
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43230Insulation installation
43291Specialised construction activities
43320Joinery installation
81210General cleaning of buildings
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.