SPARVERIUS
ActiveSPARVERIUS has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €218k and a net result of €25k. Equity is shrinking by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 33% of 8092 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability70▲+18
Solvency61▼-2
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 2.04 against 1.52 in 2023; short-term debt: 16.1% and cash: 1.6% of total assets), but 63.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 70
Relative position
BE, all sectors
reference
Sector 70
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
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 18-07-2025, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
13 d early
2023
22 d early
2022
20 d early
2021
23 d early
2020
17 d early
2019
16 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€218k▼ 3.7%
2023 · €226k
2018: €322k
2019: €257k
2020: €272k
2021: €278k
2022: €221k
2023: €226k
2018 → 2024
Total assets
€603k▲ 1.1%
2023 · €596k
2018: €571k
2019: €626k
2020: €609k
2021: €581k
2022: €599k
2023: €596k
2018 → 2024
Net result
€25k▲ 301%
2023 · €6k
2018: €33k
2019: €-64k
2020: €16k
2021: €76k
2022: €28k
2023: €6k
2018 → 2024
Working capital
€101k▲ 35.1%
2023 · €74k
2018: €193k
2019: €144k
2020: €150k
2021: €151k
2022: €86k
2023: €74k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€272k-€278k▲ 2.2%€221k▼ 20.7%€226k▲ 2.5%€218k▼ 3.7%
Operating result€24k-€103k▲ 325%€44k▼ 57.1%€19k▼ 56.6%€48k▲ 150%
Net result€16k-€76k▲ 378%€28k▼ 63.1%€6k▼ 77.5%€25k▲ 301%
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 recovers in 2024; 2024 is 150% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €603k
Fixed assets
€405k▲ 6.9%
Current assets
€198k▼ 9.0%
Equity and liabilities €603k
Equity
€218k▼ 3.7%
Debt
€385k▲ 4.1%
The debt ratio rises from 62.1% to 63.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€66k▲
2023 · €35k
Cash flow
€44k▲
2023 · €22k
Solvency
36.1%▼
2023 · 37.9%
Current ratio
2.04▲
2023 · 1.52
Quick ratio
1.96▲
2023 · 1.47
Debt / equity
1.77▲
2023 · 1.64
ROE
11.7%▲
2023 · 2.8%
ROA
4.2%▲
2023 · 1.1%
Interest coverage
5.55▲
2023 · 3.80
Debt
€385k▲
2023 · €370k
Debt ≤ 1 year
€97k▼
2023 · €143k
Debt > 1 year
€288k▲
2023 · €228k
Income taxes
€11k▲
2023 · €4k
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€596k€603k▲
Fixed assets21/28€379k€405k▲
Tangible fixed assets22/27€378k€405k▲
Land and buildings22€365k€385k▲
Furniture and vehicles24-€7k
Other tangible fixed assets26€13k€13k▼
Financial fixed assets28€780€780=
Current assets29/58€217k€198k▼
Stocks and contracts in progress3€8k€8k=
Stocks30/36€8k€8k=
Amounts receivable within one year40/41€201k€78k▼
Trade receivables40€193k€68k▼
Other amounts receivable41€8k€10k▲
Current investments50/53€171€100k▲
Cash at bank and in hand54/58€7k€10k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€596k€603k▲
Equity10/15€226k€218k▼
Contributions10/11€6k€6k=
Reserves13€220k€211k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€220k€211k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€370k€385k▲
Amounts payable after more than one year17€228k€288k▲
Financial debts170/4€228k€207k▼
Other amounts payable178/9-€81k
Amounts payable within one year42/48€143k€97k▼
Current portion of amounts payable after more than one year42€24k€26k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€1k€1k▼
Taxes450/3€1k€1k▼
Other amounts payable47/48€115k€68k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€18k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€37k€68k▲
Operating profit (loss)9901€19k€48k▲
Financial income75/76B-€24
Recurring financial income75-€24
Financial charges65/66B€9k€12k▲
Recurring financial charges65€9k€12k▲
Profit (loss) for the period before taxes9903€10k€36k▲
Income taxes67/77€4k€11k▲
Profit (loss) for the period9904€6k€25k▲
Profit (loss) for the period to be appropriated9905€6k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€25k▲
Transfer from equity791/2€833€34k▲
Transfer to equity691/2€6k€25k▲
To other reserves6921€6k€25k▲
Profit to be distributed694/7€833€34k▲
Return on contributions (dividend)694€833€34k▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
14-01
State Gazette act
General meeting · Merger
Dissolution · Director resignation
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €76k ▲378%
Operating result €103k, net result €76k, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-64k ▼294%
Net result drops to €-64k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
06-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Mechelen · 1 establishment unit since 2011
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.
Alfred Nobelstraat(MZN) 2A2812 MechelenGround area
110 m²
Building footprint
74 m²
Volume, LiDAR
468 m³
Parcel 12409D0037/00R010, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SPARVERIUS
since 20112.196.345.363
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12409D0037/00R010 | Flanders | 110 m² | 1 · 74 m² | 10.7 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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WED
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MARGHIS
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FOCUSTACKING
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 39,500 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-01-2011
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.