SPC-Fisc
ActiveThe annual accounts of SPC-Fisc for fiscal year 2025 show a net loss of 60% of the equity at the start of that year. The 2025 annual accounts show equity of €6k and a net result of €-10k. Equity is growing by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 18% of 12642 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9▼-82
Solvency41▼-9
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.75 against 1.06 in 2024; short-term debt: 71.8% and cash: 4.2% of total assets), and 84% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
16%
Return on assets
-23.8%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 12642 sector peers (2025).
NBB · sector comparisonPosition among 12642 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€6k▼ 59.9%
2024 · €16k
2023: €5k
2024: €16k
2023 → 2025
Total assets
€41k▼ 36.6%
2024 · €64k
2023: €65k
2024: €64k
2023 → 2025
Net result
€-10k
2024 · €11k
2023: €4k
2024: €11k
2023 → 2025
Working capital
€-7k
2024 · €2k
2023: €10k
2024: €2k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€5k-€16k▲ 241%€6k▼ 59.9%
Operating result€8k-€19k▲ 134%€-8k
Net result€4k-€11k▲ 222%€-10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €19k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €41k
Fixed assets
€19k▼ 28.5%
Current assets
€22k▼ 42.2%
Equity and liabilities €41k
Equity
€6k▼ 59.9%
Debt
€34k▼ 28.7%
The debt ratio rises from 74.8% to 84.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€989▼
2024 · €28k
Cash flow
€-1k▼
2024 · €20k
Solvency
16.0%▼
2024 · 25.2%
Current ratio
0.75▼
2024 · 1.06
Quick ratio
0.75▼
2024 · 1.06
Debt / equity
5.26▲
2024 · 2.96
ROE
-149.2%▼
2024 · 70.6%
ROA
-23.8%▼
2024 · 17.8%
Interest coverage
1.03▼
2024 · 28.25
Debt
€34k▼
2024 · €48k
Debt ≤ 1 year
€29k▼
2024 · €36k
Debt > 1 year
€5k▼
2024 · €12k
Income taxes
€1k▼
2024 · €7k
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€64k€41k▼
Fixed assets21/28€26k€19k▼
Tangible fixed assets22/27€26k€19k▼
Furniture and vehicles24€26k€19k▼
Current assets29/58€38k€22k▼
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Amounts receivable within one year40/41€28k€19k▼
Trade receivables40€28k€19k▼
Other amounts receivable41€107€177▲
Cash at bank and in hand54/58€9k€2k▼
Deferred charges and accrued income490/1€939€1k▲
Equity and liabilities
Total equity and liabilities10/49€64k€41k▼
Equity10/15€16k€6k▼
Contributions10/11€2k€2k=
Reserves13€14k€14k=
Distributable reserves133€14k€14k=
Profit (loss) carried forward14€0€-10k▼
Amounts payable17/49€48k€34k▼
Amounts payable after more than one year17€12k€5k▼
Financial debts170/4€12k€5k▼
Amounts payable within one year42/48€36k€29k▼
Current portion of amounts payable after more than one year42€15k€8k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€15k€12k▼
Taxes450/3€15k€12k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€395€7k▲
Accrued charges and deferred income492/3-€308
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€2k€3k▲
Gross operating margin9900€30k€4k▼
Operating profit (loss)9901€19k€-8k▼
Financial income75/76B€2€18▲
Recurring financial income75€2€18▲
Financial charges65/66B€992€959▼
Recurring financial charges65€992€959▼
Profit (loss) for the period before taxes9903€18k€-9k▼
Income taxes67/77€7k€1k▼
Profit (loss) for the period9904€11k€-10k▼
Profit (loss) for the period to be appropriated9905€11k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€-10k▼
Transfer to equity691/2€11k€0▼
To other reserves6921€11k€0▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (14 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
04-08
State Gazette act
General meeting · Net-asset statement
Approval · Dissolution
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-10k ▼185%
Net result drops to €-10k, the lowest in the series.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2023net €11k ▲222%
Operating result €19k, net result €11k, both a record.
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Kruisem · 1 establishment unit since 2021
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.
Kolmstraat 289750 KruisemGround area
730 m²
Building footprint
175 m²
Volume, LiDAR
856 m³
Parcel 45015D0338/00A000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SPC-Fisc
since 20212.324.487.412
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45015D0338/00A000 | Flanders | 730 m² | 1 · 175 m² | 6.5 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 210 EUR awarded · 210 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 105 EUR | 105 EUR |
| 2023 | 1 | 105 EUR | 105 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,637. 2,374 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-11-2021
Fiscal year end30-09
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.