SPCL Consulting
ActiveSPCL Consulting has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €677k and a net result of €83k. Equity is shrinking by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 43% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75=
Solvency68▼-4
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity short (current ratio 0.99 against 4.56 in 2024; short-term debt: 20.5% and cash: 5.7% of total assets), and 57.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
42.6%
Return on assets
5.2%
Age of the figures
9 mo
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 · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €677k
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
29 d late
2023
1 d early
2022
4 d early
2021
24 d late
2020
5 d early
2019
4 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€677k▲ 14.0%
2024 · €594k
2018: €823k
2019: €813k
2020: €906k
2021: €648k
2022: €397k
2023: €541k
2024: €594k
2018 → 2025
Total assets
€1.59M▲ 25.6%
2024 · €1.27M
2018: €1.28M
2019: €1.16M
2020: €1.27M
2021: €976k
2022: €1.18M
2023: €1.39M
2024: €1.27M
2018 → 2025
Net result
€83k▲ 38.9%
2024 · €60k
2018: €7k
2019: €40k
2020: €93k
2021: €-44k
2022: €82k
2023: €166k
2024: €60k
2018 → 2025
Working capital
€-2k
2024 · €463k
2018: €572k
2019: €555k
2020: €631k
2021: €557k
2022: €720k
2023: €712k
2024: €463k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€648k-€397k▼ 38.8%€541k▲ 36.5%€594k▲ 9.7%€677k▲ 14.0%
Operating result€93k-€122k▲ 31.3%€354k▲ 189%€106k▼ 70.1%€132k▲ 25.2%
Net result€-44k-€82k€166k▲ 103%€60k▼ 63.9%€83k▲ 38.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 25% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.59M
Fixed assets
€1.26M▲ 88.2%
Current assets
€324k▼ 45.3%
Equity and liabilities €1.59M
Equity
€677k▲ 14.0%
Debt
€912k▲ 35.8%
The debt ratio rises from 53.1% to 57.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€145k▲
2024 · €137k
Cash flow
€95k▲
2024 · €91k
Solvency
42.6%▼
2024 · 46.9%
Current ratio
0.99▼
2024 · 4.56
Quick ratio
0.99▼
2024 · 4.56
Debt / equity
1.35▲
2024 · 1.13
ROE
12.3%▲
2024 · 10.1%
ROA
5.2%▲
2024 · 4.7%
Interest coverage
9.42▲
2024 · 6.18
Debt
€912k▲
2024 · €672k
Debt ≤ 1 year
€326k▲
2024 · €130k
Debt > 1 year
€572k▲
2024 · €531k
Income taxes
€35k▲
2024 · €26k
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€1.27M€1.59M▲
Fixed assets21/28€672k€1.26M▲
Tangible fixed assets22/27€672k€1.26M▲
Land and buildings22€227k€217k▼
Furniture and vehicles24€33k€123k▲
Assets under construction and advance payments27€413k€925k▲
Current assets29/58€593k€324k▼
Amounts receivable within one year40/41€167k€131k▼
Trade receivables40€149k€118k▼
Other amounts receivable41€18k€13k▼
Current investments50/53€381k€100k▼
Cash at bank and in hand54/58€45k€91k▲
Deferred charges and accrued income490/1€838€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.27M€1.59M▲
Equity10/15€594k€677k▲
Contributions10/11€19k€19k=
Reserves13€576k€659k▲
Distributable reserves133€576k€659k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€672k€912k▲
Amounts payable after more than one year17€531k€572k▲
Financial debts170/4€529k€570k▲
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€130k€326k▲
Current portion of amounts payable after more than one year42€66k€65k▼
Financial debts43€11k€14k▲
Credit institutions430/8€11k€14k▲
Trade debts44€16k€86k▲
Suppliers440/4€16k€86k▲
Taxes, remuneration and social security45€8k€20k▲
Taxes450/3€5k€17k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€28k€141k▲
Accrued charges and deferred income492/3€11k€14k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€12k▼
Other operating charges640/8€5k€4k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€142k€149k▲
Operating profit (loss)9901€106k€132k▲
Financial income75/76B€2k€992▼
Recurring financial income75€2k€992▼
Financial charges65/66B€22k€15k▼
Recurring financial charges65€22k€15k▼
Profit (loss) for the period before taxes9903€86k€118k▲
Income taxes67/77€26k€35k▲
Profit (loss) for the period9904€60k€83k▲
Profit (loss) for the period to be appropriated9905€60k€83k▲
Appropriation of the result
Profit (loss) to be appropriated9906€60k€83k▲
Transfer from equity791/2€7k€0▼
Transfer to equity691/2€60k€83k▲
To other reserves6921€60k€83k▲
Profit to be distributed694/7€7k€0▼
Return on contributions (dividend)694€7k€0▼
The notes to these accounts (8 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €166k ▲103%
Operating result €354k, net result €166k, both a record.
31-12
Financial
Equity above €500kEq €541k ▲36.5%
2 profitable years in a row build equity to €541k.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €82k
Net result €82k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Weakest financial yearnet €-44k ▼147%
Net result drops to €-44k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Boortmeerbeek · 1 establishment unit since 2010
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.
Bieststraat 2253191 BoortmeerbeekGround area
1,498 m²
Building footprint
146 m²
Volume, LiDAR
1,323 m³
Parcel 24039C0129/00Y000, Flanders · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SPCL Consulting / PIT Motors
since 20102.185.745.738
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24039C0129/00Y000 | Flanders | 1,498 m² | 1 · 146 m² | 13.2 m · 3 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 24,503 companies in sector 82990 we hold annual accounts for 9,402. 5,325 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2010
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.