SPECIFIX
ActiveThe computed 12-month bankruptcy probability of SPECIFIX is 2.1% (moderate). The 2025 annual accounts show negative equity (€-128k) and a net result of €-222k. Equity is shrinking by ~100.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 521 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
30
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0▼-75
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.78 against 8.77 in 2024; short-term debt: 95% and cash: 62.4% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-637.1%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 72
Relative position
BE, all sectors
reference
Sector 72
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year €-128k
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 · 3 filingsDeviation from the deadline
2025
7 d early
2024
7 d early
2023
6 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-128k
2024 · €94k
2023: €60k
2024: €94k
2023 → 2025
Total assets
€20k▼ 89.4%
2024 · €189k
2023: €129k
2024: €189k
2023 → 2025
Net result
€-222k▼ 118%
2024 · €-102k
2023: €-46k
2024: €-102k
2023 → 2025
Working capital
€-4k
2024 · €166k
2023: €110k
2024: €166k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€60k-€94k▲ 56.1%€-128k
Operating result€-46k-€-102k▼ 123%€-221k▼ 118%
Net result€-46k-€-102k▼ 123%€-222k▼ 118%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €221k in 2025 against €102k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €20k
Fixed assets
€5k▲ 200%
Current assets
€15k▼ 92.0%
Key figures and ratios
EBITDA
€-220k▼
2024 · €-101k
Cash flow
€-220k▼
2024 · €-101k
Solvency
-637.1%▼
2024 · 49.5%
Current ratio
0.78▼
2024 · 8.77
Quick ratio
0.78▼
2024 · 8.77
Debt / equity
-1.16▼
2024 · 1.02
Interest coverage
-3108.39▼
2024 · -1312.46
Debt
€148k▲
2024 · €95k
Debt ≤ 1 year
€19k▼
2024 · €21k
Debt > 1 year
€129k▲
2024 · €74k
Staff costs
€64k
A ratio outside any meaningful range has been withheld (balance sheet total €20k, equity €-128k).
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€189k€20k▼
Fixed assets21/28€2k€5k▲
Tangible fixed assets22/27€2k€5k▲
Furniture and vehicles24€2k€5k▲
Current assets29/58€187k€15k▼
Amounts receivable within one year40/41€7k€2k▼
Trade receivables40€771€468▼
Other amounts receivable41€6k€2k▼
Cash at bank and in hand54/58€180k€13k▼
Equity and liabilities
Total equity and liabilities10/49€189k€20k▼
Equity10/15€94k€-128k▼
Contributions10/11€241k€241k=
Profit (loss) carried forward14€-147k€-369k▼
Amounts payable17/49€95k€148k▲
Amounts payable after more than one year17€74k€129k▲
Financial debts170/4€74k€129k▲
Amounts payable within one year42/48€21k€19k▼
Trade debts44€14k€1k▼
Suppliers440/4€14k€1k▼
Taxes, remuneration and social security45€0-
Remuneration and social security454/9€0-
Other amounts payable47/48€7k€18k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€64k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€867€1k▲
Other operating charges640/8€505€520▲
Gross operating margin9900€-100k€-155k▼
Operating profit (loss)9901€-102k€-221k▼
Financial income75/76B€41€3▼
Recurring financial income75€41€3▼
Financial charges65/66B€77€71▼
Recurring financial charges65€77€71▼
Profit (loss) for the period before taxes9903€-102k€-222k▼
Profit (loss) for the period9904€-102k€-222k▼
Profit (loss) for the period to be appropriated9905€-102k€-222k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-147k€-369k▼
Profit (loss) brought forward from the previous period14P€-46k€-147k▼
The notes to these accounts (7 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-222k
Net result drops to €-222k, the lowest in the series.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
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.
Directors · office · real estate
Directors
5 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, Antwerpen · 1 establishment unit since 2023
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.
Acacialaan 382610 AntwerpenGround area
1,129 m²
Building footprint
178 m²
Volume, LiDAR
1,460 m³
Parcel 11051B0237/00W013, Flanders · tallest building 17.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SPECIFIX
since 20232.341.098.364
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11051B0237/00W013 | Flanders | 1,129 m² | 1 · 178 m² | 17.8 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 6 entries · 184,366 EUR awarded · 133,620 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 50,000 EUR | 25,000 EUR |
| 2024 | 3 | 134,366 EUR | 108,620 EUR |
Schemes
Ontwikkelingsproject
O&O-haalbaarheidsstudie
Subsidies voor internationaal ondernemen
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,178 companies in sector 72109 we hold annual accounts for 716. 438 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-01-2023
Fiscal year end31-12
Activities, NACEBEL
62100Computer programming
72109Other research and development on natural sciences
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.