SPE CONSULTING
ActiveSPE CONSULTING has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €90k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 44% of 3171 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency70▼-22
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.89 against 3.19 in 2024; short-term debt: 52.8% and cash: 3.3% of total assets), but 54.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 70
Relative position
BE, all sectors
reference
Sector 70
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
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
45.2%
Return on assets
35.1%
Age of the figures
15 mo
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
202122232425
2020 to 2025 · latest year €116k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
2 d early
2024
2 d early
2023
5 d early
2022
on the day
2021
26 d early
2020
20 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€90k▼ 17.7%
2024 · €110k
2020: €7k
2021: €465
2022: €3k
2023: €33k
2024: €110k
2020 → 2025
Working capital
€121k▲ 6.5%
2024 · €114k
2020: €6k
2021: €6k
2022: €13k
2023: €11k
2024: €114k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7k-€10k▲ 34.6%€7k▼ 30.5%€116k▲ 1,644%€116k=
Operating result€4k-€8k▲ 112%€45k▲ 472%€167k▲ 267%€119k▼ 28.8%
Net result€465-€3k▲ 645%€33k▲ 864%€110k▲ 228%€90k▼ 17.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €257k
Fixed assets
€441▼ 94.3%
Current assets
€257k▲ 55.2%
Equity and liabilities €257k
Equity
€116k=
Debt
€141k▲ 148%
The debt ratio rises from 32.9% to 54.8%. Debt is higher.
Key figures and ratios
EBITDA
€119k▼
2024 · €168k
Cash flow
€91k▼
2024 · €111k
Solvency
45.2%▼
2024 · 67.1%
Current ratio
1.89▼
2024 · 3.19
Quick ratio
1.89▼
2024 · 3.19
Debt / equity
1.21▲
2024 · 0.49
ROE
77.6%▼
2024 · 94.3%
ROA
35.1%▼
2024 · 63.3%
Interest coverage
18.87▼
2024 · 48.98
Debt
€141k▲
2024 · €57k
Debt ≤ 1 year
€136k▲
2024 · €52k
Debt > 1 year
€5k=
2024 · €5k
Income taxes
€29k▼
2024 · €55k
Staff costs
€15k
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€173k€257k▲
Fixed assets21/28€8k€441▼
Tangible fixed assets22/27€8k€441▼
Furniture and vehicles24€8k€441▼
Current assets29/58€165k€257k▲
Amounts receivable after more than one year29€60k€180k▲
Other amounts receivable291€60k€180k▲
Amounts receivable within one year40/41€0€11k▲
Trade receivables40€0-
Other amounts receivable41€0€11k▲
Cash at bank and in hand54/58€99k€8k▼
Deferred charges and accrued income490/1€7k€57k▲
Equity and liabilities
Total equity and liabilities10/49€173k€257k▲
Equity10/15€116k€116k=
Contributions10/11€1€1=
Reserves13€116k€116k=
Distributable reserves133€116k€116k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€57k€141k▲
Amounts payable after more than one year17€5k€5k=
Other amounts payable178/9€5k€5k=
Amounts payable within one year42/48€52k€136k▲
Financial debts43-€13k
Credit institutions430/8-€13k
Trade debts44€9k€3k▼
Suppliers440/4€9k€3k▼
Taxes, remuneration and social security45€41k€20k▼
Taxes450/3€38k€12k▼
Remuneration and social security454/9€3k€7k▲
Other amounts payable47/48€2k€99k▲
Accrued charges and deferred income492/3€150€150=
Income statement
Code20242025
Remuneration, social security and pensions62-€15k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€273▼
Other operating charges640/8€13k€12k▼
Gross operating margin9900€181k€145k▼
Operating profit (loss)9901€167k€119k▼
Financial income75/76B€1k€7k▲
Recurring financial income75€1k€7k▲
Financial charges65/66B€3k€6k▲
Recurring financial charges65€3k€6k▲
Profit (loss) for the period before taxes9903€165k€119k▼
Income taxes67/77€55k€29k▼
Profit (loss) for the period9904€110k€90k▼
Profit (loss) for the period to be appropriated9905€110k€90k▼
Appropriation of the result
Profit (loss) to be appropriated9906€110k€90k▼
Transfer from equity791/2€0-
Transfer to equity691/2€110k€0▼
To other reserves6921€110k€0▼
Profit to be distributed694/7€0€90k▲
Return on contributions (dividend)694€0€90k▲
Social balance
Average headcount (FTE)9087-0.3
The notes to these accounts (13 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
29-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-06
Financial
Highest result since 2020net €110k ▲228%
Operating result €167k, net result €110k, both a record.
30-06
Financial
Liquidity triplescurrent ratio 3.19
Current ratio from 1.18 to 3.19; short-term debt falls from €59k to €52k.
30-06
Financial
Equity above €100kEq €116k ▲1644%
5 profitable years in a row build equity to €116k.
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
05-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
Financial
Weakest financial yearnet €465 ▼93%
Net result drops to €465, the lowest in the series; recovery starts the following year.
11-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Herve · 1 establishment unit since 2019
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.
Noblehaye 1464653 HerveGround area
3.1 ha
Parcel 63010B0095/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
SPE CONSULTING
since 20192.291.149.403
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63010B0095/00E000 | Wallonia | 3.1 ha | - | - |
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 82,546 companies in sector 70200 we hold annual accounts for 52,574. 40,819 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-06-2019
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74120Graphic design and visual communication
63910Web portal activities
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:sp@shinka.be
Phone:+3243676117