SPARTAN ADVICE
ActiveSPARTAN ADVICE has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €501k and a net result of €-27k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▼-62
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
short-term debt: 0.7% and cash: 3.8% of total assets, and 0.7% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
99.3%
Return on assets
-5.3%
Age of the figures
9 mo
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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
36 d early
2023
64 d early
2022
54 d early
2021
61 d early
2020
18 d early
2019
28 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€501k▼ 18.7%
2024 · €615k
2018: €453k
2019: €543k
2020: €624k
2021: €647k
2022: €694k
2023: €680k
2024: €615k
2018 → 2025
Total assets
€504k▼ 22.4%
2024 · €650k
2018: €529k
2019: €605k
2020: €687k
2021: €693k
2022: €756k
2023: €730k
2024: €650k
2018 → 2025
Net result
€-27k
2024 · €25k
2018: €83k
2019: €89k
2020: €108k
2021: €79k
2022: €120k
2023: €62k
2024: €25k
2018 → 2025
Working capital
€477k▼ 19.3%
2024 · €591k
2018: €341k
2019: €426k
2020: €505k
2021: €518k
2022: €660k
2023: €651k
2024: €591k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€647k-€694k▲ 7.3%€680k▼ 1.9%€615k▼ 9.5%€501k▼ 18.7%
Operating result€104k-€141k▲ 35.9%€76k▼ 45.9%€23k▼ 69.7%€-75k
Net result€79k-€120k▲ 52.1%€62k▼ 48.7%€25k▼ 59.3%€-27k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €75k after €23k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €504k
Fixed assets
€24k▼ 4.2%
Current assets
€481k▼ 23.1%
Equity and liabilities €504k
Equity
€501k▼ 18.7%
Debt
€4k▼ 89.1%
The debt ratio falls from 5.3% to 0.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-74k▼
2024 · €27k
Cash flow
€-26k▼
2024 · €29k
Solvency
99.3%▲
2024 · 94.7%
Debt / equity
0.01▼
2024 · 0.06
ROE
-5.4%▼
2024 · 4.1%
ROA
-5.3%▼
2024 · 3.9%
Interest coverage
-206.98▼
2024 · 45.19
Debt
€4k▼
2024 · €34k
Debt ≤ 1 year
€4k▼
2024 · €34k
Income taxes
€552▼
2024 · €13k
Staff costs
€51k▼
2024 · €62k
A ratio outside any meaningful range has been withheld (balance sheet total €504k, equity €501k).
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€650k€504k▼
Fixed assets21/28€25k€24k▼
Tangible fixed assets22/27€25k€24k▼
Furniture and vehicles24€2k€471▼
Other tangible fixed assets26€23k€23k=
Current assets29/58€625k€481k▼
Amounts receivable after more than one year29€320k€237k▼
Other amounts receivable291€320k€237k▼
Amounts receivable within one year40/41€167k€184k▲
Trade receivables40€21k-
Other amounts receivable41€146k€184k▲
Current investments50/53€59k€40k▼
Cash at bank and in hand54/58€78k€19k▼
Deferred charges and accrued income490/1€915€274▼
Equity and liabilities
Total equity and liabilities10/49€650k€504k▼
Equity10/15€615k€501k▼
Contributions10/11€6k€6k=
Reserves13€594k€494k▼
Tax-exempt reserves132€41k€41k=
Distributable reserves133€552k€452k▼
Profit (loss) carried forward14€15k€531▼
Amounts payable17/49€34k€4k▼
Amounts payable within one year42/48€34k€4k▼
Financial debts43€8k€3k▼
Credit institutions430/8€8k€3k▼
Trade debts44€7k€260▼
Suppliers440/4€7k€260▼
Taxes, remuneration and social security45€19k€962▼
Taxes450/3€10k€962▼
Remuneration and social security454/9€9k-
Income statement
Code20242025
Remuneration, social security and pensions62€62k€51k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€1k▼
Other operating charges640/8€616€703▲
Gross operating margin9900€90k€-23k▼
Operating profit (loss)9901€23k€-75k▼
Financial income75/76B€15k€49k▲
Recurring financial income75€15k€49k▲
Financial charges65/66B€606€359▼
Recurring financial charges65€606€359▼
Profit (loss) for the period before taxes9903€38k€-26k▼
Income taxes67/77€13k€552▼
Profit (loss) for the period9904€25k€-27k▼
Profit (loss) for the period to be appropriated9905€25k€-27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€-11k▼
Profit (loss) brought forward from the previous period14P€15k€15k▲
Transfer from equity791/2€90k€100k▲
Transfer to equity691/2€25k-
To other reserves6921€25k-
Profit to be distributed694/7€90k€88k▼
Return on contributions (dividend)694€90k€88k▼
Social balance
Average headcount (FTE)90871.0-
The notes to these accounts (4 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-27k ▼207%
Net result drops to €-27k, the lowest in the series.
31-12
Financial
Liquidity times 7current ratio 129.14
Current ratio from 18.26 to 129.14; short-term debt falls from €34k to €4k.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €120k ▲52.1%
Net result €120k, the highest in the series.
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
31-12
Financial
Equity above €500kEq €543k ▲19.7%
2 profitable years in a row build equity to €543k.
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 13 days late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 16 days late
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Herentals · 1 establishment unit since 2007
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.
Notelarenlaan(HRT) 16 A2200 HerentalsGround area
717 m²
Building footprint
141 m²
Volume, LiDAR
763 m³
Parcel 13302D0831/00G000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Spartan Advice
since 20072.166.645.448
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13302D0831/00G000 | Flanders | 717 m² | 1 · 141 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.
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BE NETWORKS
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ASEM-Solutions
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Gent · Eq €503k
Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 11,959 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-11-2007
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
70200Business and other management consultancy
70220Business consulting
71121Engineering and related technical consultancy, excluding land surveyors
74142
74203
74851
82100Office administrative and support services
82190Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.