SpéciFisc
ActiveSummary
SpéciFisc has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9,908 and a net result of €3,170. Equity is growing by ~22.7% per year across the filed fiscal years. Its solvency ranks better than 7% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability70▲+1
Solvency28▲+1
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.92 against 0.98 in 2024; short-term debt: 38.6% and cash: 10.7% of total assets), and 97.4% of the assets are financed with debt.
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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
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← 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
2.6%
Return on assets
0.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 12738 sector peers (2025).
NBB · sector comparisonPosition among 12738 sector peers
Solvency
better than 7%
← weakest
strongest →
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 31-07-2026, 0 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
on the day
2024
28 d late
2023
16 d early
← 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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€9,908▲ 47.0%
2024 · €6,738
Total assets
€380,041▼ 8.2%
2024 · €414,024
Net result
€3,170
2024 · -€80
Working capital
-€11,367▼ 284%
2024 · -€2,960
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
Line202320242025
Operating result€974-€9,466▲ 872%€13,853▲ 46.3%
Net result€819--€80€3,170
Equity€6,819-€6,738▼ 1.2%€9,908▲ 47.0%
Total assets€426,129-€414,024▼ 2.8%€380,041▼ 8.2%
Debt€419,311-€407,285▼ 2.9%€370,132▼ 9.1%
Working capital-€322,881--€2,960▲ 99.1%-€11,367▼ 284%
Staff (FTE)0.40.8▲ 100%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 46% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €380,041
Fixed assets
€244,712 ▼ 12.9%
Current assets
€135,328 ▲ 1.7%
Equity and liabilities €380,041
Equity
€9,908 ▲ 47.0%
Debt
€370,132 ▼ 9.1%
Debt's share of the balance-sheet total falls from 98.4% to 97.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75,100▲
2024 · €62,146
Cash flow
€64,417▲
2024 · €52,599
Current ratio
0.92▼
2024 · 0.98
Debt to equity
37.36▼
2024 · 60.44
ROE
32.0%▲
2024 · -1.2%
ROA
0.8%▲
2024 · 0.0%
Interest coverage
6.99▲
2024 · 6.45
Debt ≤ 1 year
€146,695▲
2024 · €135,964
Debt > 1 year
€222,611▼
2024 · €270,357
Income taxes
€174
Staff costs
€14,018▲
2024 · €6,843
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €6,843 | €14,018 | ▲ 105% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25,777 | €52,680 | €61,247 | ▲ 16.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €653 | - |
| Other operating charges640/8 | €384 | €387 | €400 | ▲ 3.2% |
| Gross operating margin9900 | €27,135 | €69,376 | €90,171 | ▲ 30.0% |
| Operating profit (loss)9901 | €974 | €9,466 | €13,853 | ▲ 46.3% |
| Financial income75/76B | - | €87 | €237 | ▲ 171% |
| Recurring financial income75 | - | €87 | €237 | ▲ 171% |
| Financial charges65/66B | €15 | €9,634 | €10,746 | ▲ 11.5% |
| Recurring financial charges65 | €15 | €9,634 | €10,746 | ▲ 11.5% |
| Profit (loss) for the period before taxes9903 | €960 | -€80 | €3,344 | ▲ 4,256% |
| Income taxes67/77 | €141 | - | €174 | - |
| Profit (loss) for the period9904 | €819 | -€80 | €3,170 | ▲ 4,040% |
| Profit (loss) for the period to be appropriated9905 | €819 | -€80 | €3,170 | ▲ 4,040% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €426,129 | €414,024 | €380,041 | ▼ 8.2% |
| Fixed assets21/28 | €329,700 | €281,020 | €244,712 | ▼ 12.9% |
| Intangible fixed assets21 | €326,435 | €276,099 | €225,764 | ▼ 18.2% |
| Tangible fixed assets22/27 | €3,265 | €4,920 | €18,949 | ▲ 285% |
| Furniture and vehicles24 | €3,265 | €4,920 | €18,949 | ▲ 285% |
| Current assets29/58 | €96,430 | €133,004 | €135,328 | ▲ 1.7% |
| Amounts receivable within one year40/41 | €73,698 | €86,161 | €94,071 | ▲ 9.2% |
| Trade receivables40 | €72,879 | €81,834 | €93,934 | ▲ 14.8% |
| Other amounts receivable41 | €819 | €4,328 | €137 | ▼ 96.8% |
| Cash at bank and in hand54/58 | €22,401 | €45,528 | €40,766 | ▼ 10.5% |
| Deferred charges and accrued income490/1 | €330 | €1,314 | €491 | ▼ 62.7% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €426,129 | €414,024 | €380,041 | ▼ 8.2% |
| Equity10/15 | €6,819 | €6,738 | €9,908 | ▲ 47.0% |
| Contributions10/11 | €6,000 | €6,000 | €6,000 | = |
| Profit (loss) carried forward14 | €819 | €738 | €3,908 | ▲ 429% |
| Amounts payable17/49 | €419,311 | €407,285 | €370,132 | ▼ 9.1% |
| Amounts payable after more than one year17 | - | €270,357 | €222,611 | ▼ 17.7% |
| Financial debts170/4 | - | €270,357 | €222,611 | ▼ 17.7% |
| Amounts payable within one year42/48 | €419,311 | €135,964 | €146,695 | ▲ 7.9% |
| Current portion of amounts payable after more than one year42 | - | €49,876 | €51,650 | ▲ 3.6% |
| Trade debts44 | €419,170 | €84,982 | €93,896 | ▲ 10.5% |
| Suppliers440/4 | €419,170 | €84,982 | €93,896 | ▲ 10.5% |
| Taxes, remuneration and social security45 | €141 | €1,105 | €1,149 | ▲ 3.9% |
| Taxes450/3 | €141 | - | €556 | - |
| Remuneration and social security454/9 | - | €1,105 | €593 | ▼ 46.3% |
| Accrued charges and deferred income492/3 | - | €965 | €827 | ▼ 14.4% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €819 | -€80 | €3,170 | ▲ 4,040% |
| + Depreciation and write-downs630 | €25,777 | €52,680 | €61,247 | ▲ 16.3% |
| Operating cash flow (approximation) | €26,595 | €52,599 | €64,417 | ▲ 22.5% |
| Investment in fixed assets (approximation) | - | -€4,000 | -€24,940 | ▼ 524% |
| Change in cash | - | €23,127 | -€4,762 | ▼ 121% |
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €3,170
Net result €3,170 after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet -€80
Net result drops to -€80, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Villers-la-Ville · 3 establishment units since 2023
Ground area
2,341 m²
Building footprint
183 m²
Volume, LiDAR
1,436 m³
2 parcels, Wallonia · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
SpéciFisc
since 20232.346.270.543
SpéciFisc
since 20232.346.271.038
SpéciFisc
since 20232.360.783.030
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25062B0424/00P000 | Wallonia | 1,422 m² | 1 · 118 m² | 8.1 m · 2 fl. |
| 92068E0568/00X002 | Wallonia | 919 m² | 1 · 65 m² | 11.2 m · 3 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.
Similar companies · same sector, comparable size
CMG Comptabilité & fiscalité
BE 0728.868.688
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b.tax Consulting
BE 1000.617.950
Eupen · Eq €9,893
CORDENIER & VAN CAUWENBERGHE ACCOUNTANTS
BE 0822.699.164
Brakel · Eq €9,892
KGF
BE 0741.790.870
Chaudfontaine · Eq €9,891
Van Geel Boekhouding
BE 0737.875.040
Essen · Eq €9,882
Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 3,084 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
Founded21-06-2023
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Scores and ratios are computed by Checked and are not a credit decision.