SPEAK UP
ActiveSummary
SPEAK UP has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €45k. Equity is growing by ~38.1% per year across the filed fiscal years. Its solvency ranks better than 58% of 8692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency86▲+24
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.21 against 1.14 in 2024; short-term debt: 39.2% and cash: 73.5% of total assets), and 39.2% of the assets are financed with debt.
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Signals
Five 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
60.8%
Return on assets
42.7%
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
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
29 d late
2023
30 d late
2022
29 d late
2021
12 d late
2020
30 d late
2019
60 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€45k▲ 44.7%
2024 · €31k
Working capital
€50k▲ 726%
2024 · €6k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€-1k€10k€-12k€40k€67k▲ 67.5%
Net result€-2k€7k€-12k€31k€45k▲ 44.7%
Equity€12k▼ 12.9%€18k▲ 55.5%€7k▼ 64.3%€25k▲ 290%€64k▲ 150%
Total assets€37k▼ 24.3%€54k▲ 46.4%€102k▲ 88.8%€69k▼ 32.4%€105k▲ 52.1%
Debt€25k▼ 28.7%€36k▲ 42.2%€95k▲ 167%€43k▼ 54.4%€41k▼ 5.4%
Working capital€11k▼ 12.0%€18k▲ 59.2%€70k▲ 290%€6k▼ 91.5%€50k▲ 726%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 67% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €105k
Fixed assets
€14k ▼ 27.7%
Current assets
€91k ▲ 83.4%
Equity and liabilities €105k
Equity
€64k ▲ 150%
Debt
€41k ▼ 5.4%
Debt's share of the balance-sheet total falls from 63.1% to 39.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€73k▲
2024 · €42k
Cash flow
€50k▲
2024 · €33k
Current ratio
2.21▲
2024 · 1.14
Debt to equity
0.65▼
2024 · 1.71
ROE
70.3%▼
2024 · 121.6%
ROA
42.7%▼
2024 · 44.9%
Interest coverage
594.79▲
2024 · 136.31
Debt ≤ 1 year
€41k▼
2024 · €43k
Income taxes
€22k▲
2024 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €190 | €190 | €190 | €2k | €5k | ▲ 174% |
| Other operating charges640/8 | €885 | €891 | €4k | €1k | €1k | ▼ 11.3% |
| Gross operating margin9900 | €-424 | €11k | €-8k | €44k | €74k | ▲ 69.9% |
| Operating profit (loss)9901 | €-1k | €10k | €-12k | €40k | €67k | ▲ 67.5% |
| Financial income75/76B | €0 | €86 | €710 | €1k | €19 | ▼ 98.6% |
| Recurring financial income75 | €0 | €86 | €255 | €79 | €19 | ▼ 76.2% |
| Non-recurring financial income76B | - | - | €456 | €1k | - | - |
| Financial charges65/66B | €61 | €445 | €358 | €310 | €743 | ▲ 140% |
| Recurring financial charges65 | €61 | €445 | €358 | €310 | €122 | ▼ 60.5% |
| Non-recurring financial charges66B | - | - | - | - | €621 | - |
| Profit (loss) for the period before taxes9903 | €-2k | €9k | €-12k | €41k | €67k | ▲ 61.7% |
| Income taxes67/77 | €176 | €3k | €82 | €10k | €22k | ▲ 112% |
| Profit (loss) for the period9904 | €-2k | €7k | €-12k | €31k | €45k | ▲ 44.7% |
| Profit (loss) for the period to be appropriated9905 | €-2k | €7k | €-12k | €31k | €45k | ▲ 44.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €37k | €54k | €102k | €69k | €105k | ▲ 52.1% |
| Fixed assets21/28 | €410 | €220 | €30 | €19k | €14k | ▼ 27.7% |
| Tangible fixed assets22/27 | €380 | €190 | - | €19k | €14k | ▼ 27.7% |
| Furniture and vehicles24 | - | - | - | €19k | €14k | ▼ 27.7% |
| Other tangible fixed assets26 | €380 | €190 | - | - | - | - |
| Financial fixed assets28 | €30 | €30 | €30 | €30 | €30 | = |
| Current assets29/58 | €36k | €54k | €102k | €49k | €91k | ▲ 83.4% |
| Amounts receivable within one year40/41 | €10k | €30k | €36k | €26k | €12k | ▼ 55.6% |
| Trade receivables40 | €4k | €24k | €19k | €8k | €10k | ▲ 17.4% |
| Other amounts receivable41 | €6k | €6k | €17k | €18k | €2k | ▼ 89.8% |
| Current investments50/53 | €4k | €15k | €27k | €12k | €1k | ▼ 88.6% |
| Cash at bank and in hand54/58 | €22k | €9k | €38k | €11k | €77k | ▲ 629% |
| Deferred charges and accrued income490/1 | €152 | €566 | €462 | €639 | €709 | ▲ 10.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €37k | €54k | €102k | €69k | €105k | ▲ 52.1% |
| Equity10/15 | €12k | €18k | €7k | €25k | €64k | ▲ 150% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €12k | €19k | €19k | €37k | €71k | ▲ 90.5% |
| Non-distributable reserves130/1 | €187 | €187 | - | - | - | - |
| Reserves not available under the articles1311 | €187 | €187 | - | - | - | - |
| Distributable reserves133 | €12k | €19k | €19k | €37k | €71k | ▲ 90.5% |
| Profit (loss) carried forward14 | €-7k | €-7k | €-18k | €-18k | €-13k | ▲ 26.1% |
| Amounts payable17/49 | €25k | €36k | €95k | €43k | €41k | ▼ 5.4% |
| Amounts payable within one year42/48 | €25k | €36k | €31k | €43k | €41k | ▼ 5.4% |
| Trade debts44 | €1k | €12k | €3k | €12k | €2k | ▼ 80.2% |
| Suppliers440/4 | €1k | €12k | €3k | €12k | €2k | ▼ 80.2% |
| Taxes, remuneration and social security45 | €5k | €830 | €10k | €6k | €10k | ▲ 64.3% |
| Taxes450/3 | €3k | €830 | €10k | €4k | €8k | ▲ 99.8% |
| Remuneration and social security454/9 | €3k | - | - | €2k | €2k | ▼ 14.2% |
| Other amounts payable47/48 | €19k | €23k | €18k | €25k | €29k | ▲ 13.9% |
| Accrued charges and deferred income492/3 | - | - | €64k | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-2k | €7k | €-12k | €31k | €45k | ▲ 44.7% |
| + Depreciation and write-downs630 | €190 | €190 | €190 | €2k | €5k | ▲ 174% |
| Operating cash flow (approximation) | €-2k | €7k | €-12k | €33k | €50k | ▲ 52.4% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-21k | €0 | ▲ 100% |
| Change in cash | - | €-13k | €30k | €-28k | €66k | ▲ 338% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €45k ▲44.7%
Operating result €67k, net result €45k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 3.23
Current ratio from 1.50 to 3.23; short-term debt falls from €36k to €31k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 12 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 60 days late
Show earlier events
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 17 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Lasne · 1 establishment unit since 2010
Ground area
3,942 m²
Building footprint
261 m²
Volume, LiDAR
1,333 m³
2 parcels, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JACQUES PIRLET
since 20102.193.447.934
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076B0215/00F000 | Wallonia | 2,660 m² | 1 · 128 m² | 3.5 m · 1 fl. |
| 25763M0607/00R003 | Wallonia | 1,282 m² | 1 · 134 m² | 9.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,632 companies in sector 70200 we hold annual accounts for 52,587. 39,244 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded16-07-2010
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
73300Public relations and communication consultancy
Scores and ratios are computed by Checked and are not a credit decision.