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SPEAKY

Active
Public limited companyfounded 201511 yrs activePlace de l'Université 16, 1348 Ottignies-Louvain-la-Neuve, BelgiumKBO/BCE: BE 0627.836.557
Summary

SPEAKY has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €93,559 and a net result of -€9,031. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 37% of 550 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch ReportCompare
SPEAKYActiveChecked score 83/100
Risk analysis ReportCompare

Overview

Activity
Other education
NACE 85599
1 site
Size
€308,988total assets 2024
Equity
€93,559
Loss
-€9,031
Financial health
83 Excellent Checked score 2024
Bankruptcy chance 12 m
0.4%
Structure
Parent
SPEAKY INTERNATIONAL · 100%
Accounts 64 d overdue0 of 4 deeds read
Why 83- 1 financial year not filed after the legal deadline; latest accounts 61 days late; 2 of the last 3 late- Figures for FY 2024 (filed 30-09-2025)+ Sector Education (NACE 85)+ Size: total assets €308,988Show the evidence

Checked score

Score 2024
83 / 100
Excellent
Probability in this band: under 0.55%
Better than 46% of its sector peers (NACE 85, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Strong
Solvency 55+6
equity 30.3% of total assets
Liquidity 91+49
short-term debt 24.8% · cash 39.9%
Profitability 65-5
return on assets -2.9%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (3,751 companies)
Last 24 months 11-2024: 0.4% 12-2024: 0.4%● 0.0% vs 11-2024 01-2025: 0.4%▼ -0.8% vs 12-2024 02-2025: 0.4%▲ +0.9% vs 01-2025 03-2025: 0.4%▼ -0.3% vs 02-2025 04-2025: 0.4%▲ +3.7% vs 03-2025 05-2025: 0.4%▼ -2.5% vs 04-2025 06-2025: 0.4%▼ -2.0% vs 05-2025 07-2025: 0.4%▲ +2.0% vs 06-2025 08-2025: 0.5%▲ +38.0% vs 07-2025 09-2025: 0.6%▲ +26.5% vs 08-2025highest value 10-2025: 0.2%▼ -72.2% vs 09-2025 11-2025: 0.2%● 0.0% vs 10-2025 12-2025: 0.2%● 0.0% vs 11-2025 01-2026: 0.2%▼ -0.6% vs 12-2025 02-2026: 0.2%▲ +0.6% vs 01-2026 03-2026: 0.2%▼ -1.1% vs 02-2026 04-2026: 0.2%▼ -2.3% vs 03-2026 05-2026: 0.2%▼ -1.8% vs 04-2026 06-2026: 0.2%▼ -2.4% vs 05-2026lowest value 07-2026: 0.2%▲ +5.0% vs 06-2026 08-2026: 0.3%▲ +55.6% vs 07-2026 09-2026: 0.3%▲ +7.6% vs 08-2026 10-2026: 0.4%▲ +37.5% vs 09-2026
  • Sector Education (NACE 85) lowers the probability
  • 1 financial year not filed after the legal deadline; latest accounts 61 days late; 2 of the last 3 late raises the probability
  • Figures for FY 2024 (filed 30-09-2025) raises the probability
  • Size: total assets €308,988 lowers the probability for this profile
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 1.63 against 0.14 in 2023; short-term debt: 24.8% and cash: 39.9% of total assets), but 69.7% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 85, micro). Better than this share of them on solvency 38%, liquidity 82%, profitability 35%, growth against the median 29%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Sector Education (NACE 85)
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · 1 financial year not filed after the legal deadline; latest accounts 61 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Figures for FY 2024 (filed 30-09-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Size: total assets €308,988
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
61 d late
2023
68 d late
2022
34 d early
2021
25 d late
2020
31 d late
2019
91 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 40 days after the deadline; the sector median for financial year 2024 is 16 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2024 · full…
  2. Liquidity times 12current ratio 1.63
  3. Annual accounts filedfiscal year 2023 · full…

Key points

  • Caution: Accounts not fileddeadline was 31-07-2026 64 d late View
  • Controlled by SPEAKY INTERNATIONAL 100% View
  • Total assets 20246 fiscal years filed €308,988 View

By topic

Financials

Fiscal year
2024
Total assets
€308,988
Loss
-€9,031
Solvency
30.3%
Total assets▼ 29.1%
Net result
20182024
Go to Financials

Timeline

Events
15
Since
2016
  1. 30-09-2025Annual accounts filed
  2. 31-12-2024Liquidity times 12
  3. 07-10-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Other educationNACE 85599
Founded
02-04-2015
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

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