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SPAYEMONT

Active
Private limited companyfounded 1974active for 52 yearsRue du Jardinet(Wal) 14, 5650 Walcourt, BelgiumKBO/BCE: BE 0413.957.693

From the official registers: KBO 49 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

SPAYEMONT has been active since 1974 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€54,332) and a net result of -€77,461. Equity has been shrinking by about 15% per year since 2018. Its solvency ranks better than 14% of 17,119 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Overview

Official details

KBO
Status
Active since 12-01-1974 Normal situation
Activity
Renting and operating of own or leased residential real estate, excluding social housing NACE 68201and 2 others
Establishment unit
2.009.543.852 5650 Walcourt, since 01-01-1974
Financial year end
31 December
Peppol
Reachable since 02-12-2025

Board and ownership

Board

Financial position

53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.7%
Annual accounts 2025
Gross margin
-€33,559
▼ 565%
Loss
€77,461
▲ 583%
Equity
-€54,332
Total assets
€716,196
▲ 839%
Turnover not published (micro format)
Filed on 31-08-2026, 31 days after the deadlineat the National Bank
Score breakdownraises riskCapped at 59: negative equityLoss of €77,461, the second in a row (financial year 2025)Negative equity -€54,332lowers riskSize: total assets €716,196Liquidity: current ratio 0.39, cash €133,131Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 18% of micro companies in real estate (NACE 68)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Weak
Solvency 17-38
equity -7.6% of total assets
Liquidity 48-14
short-term debt 50.1% · cash 18.6%
Profitability 5+5
return on assets -10.8%
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,628 companies, NACE 68, micro)
Last 24 months 11-2024: 0.7% 12-2024: 0.7%● unchanged vs 11-2024 01-2025: 0.7%● unchanged vs 12-2024 02-2025: 0.7%● unchanged vs 01-2025 03-2025: 0.7%● unchanged vs 02-2025 04-2025: 0.7%● unchanged vs 03-2025 05-2025: 0.8%▲ +0.1 percentage points vs 04-2025 06-2025: 0.8%● unchanged vs 05-2025 07-2025: 0.9%▲ +0.1 percentage points vs 06-2025 08-2025: 1.0%▲ +0.1 percentage points vs 07-2025highest value 09-2025: 0.2%▼ -0.8 percentage points vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026lowest value 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.4%▲ +0.2 percentage points vs 07-2026 09-2026: 0.7%▲ +0.3 percentage points vs 08-2026 10-2026: 0.7%● unchanged vs 09-2026
No credit on open account
Liquidity is insufficient, with a current ratio of 0.39 (0.6 in 2024), below 1. Short-term debt is 50.1% and cash 18.6% of total assets. Equity is negative.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 14% of them on solvency, 44% on liquidity, 10% on profitability and 2% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
lowers risk · Size: total assets €716,196
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Loss of €77,461, the second in a row (financial year 2025)
NBB · annual accounts
raises risk · Negative equity -€54,332
NBB · annual accounts
lowers risk · Liquidity: current ratio 0.39, cash €133,131
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€54,332
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
31 days late
2024
21 days late
2023
28 days early
2022
32 days late
2021
31 days late
2020
31 days late
2019
91 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 30 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€54,332 View
  • Risk: 8 loss-making years in a rowloss in financial year 2025 -€77,461 View
  • Caution: Result fell in 2025from -€11,349 to -€77,461 ▼ 583% View
  • Caution: Lower net result than 95% of companies in real estatesector median €6,036 · 17,109 companies -€77,461 View

Comparable companies

These companies have the same main activity as SPAYEMONT: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €613,000 and €870,000, founded between 1965 and 1978.

CompanyTotal assetsGross margin
SPAYEMONT Walcourt€716,196-€33,559
CLAUDE Aalst€643,709-€4,610
TIMELITE Lasne€650,458-€4,124
BUERSTEDE Hemiksem€826,123-€133
Capitall Twelve Antwerpen€613,309-€55,173
CODIVIAN Rixensart€719,578-€9,860
KELOC De Panne€870,425-€43,030
Full comparison

Documents

Annual accounts at the NBB

All 49 annual accounts

Articles and registers

Key facts about SPAYEMONT

What is the company number of SPAYEMONT?
The company number of SPAYEMONT is 0413.957.693. The VAT number is the same number with BE in front: BE 0413.957.693.
Where is SPAYEMONT based?
The registered office is at Rue du Jardinet(Wal) 14, 5650 Walcourt.Company details
What does SPAYEMONT do?
According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
What is the legal form of SPAYEMONT?
The legal form of SPAYEMONT is Private limited company (BV).
When was SPAYEMONT founded?
SPAYEMONT was founded on 12-01-1974.
Is SPAYEMONT still active?
Yes, SPAYEMONT is an active enterprise in the KBO register.
What is the turnover of SPAYEMONT?
The annual accounts for financial year 2025 state no turnover. The micro format does not require it. In financial year 2019 turnover was €3,050.Financials
Is SPAYEMONT profitable?
In financial year 2025, SPAYEMONT made a loss of €77,461.
Where can I find the annual accounts of SPAYEMONT?
SPAYEMONT filed 49 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of SPAYEMONT due?
SPAYEMONT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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