Equity
€531,947 from €1.2m in 2021
Equity fell by 57% in 4 years.
Speck
Lifetime
14 annual accounts with figures on one time axispeak €762,849 (2017)
€220,595▲ 117%
peak €441,151 (2017)
€116,000▲ 217%
peak €1.2m (2021)
€531,947▲ 27.9%
€1.8m▲ 11.9%
peak 1.3 FTE (2016)
0.6 FTE▼ 25.0%
Board7 names since 2017
2 directorsJan Speck and 1 other
Owners
99%JEKEL
Documentsfilings and deeds
27-04-20263 days before the deadline
2025abbreviated format
Gross margin from €101,440 to €220,595Result from €36,543 to €116,000Staff from 0.8 FTE to 0.6 FTEEquity from €415,948 to €531,947Investments €106,759Cash from €36,847 to €24,872
Key points
from the 2025 annual accountsResult
€116,000 ▲ 217%
The result rose in 2025 from €36,543 to €116,000.
Debts
€1.8m 77% of the balance sheet
Financial debts 6%Suppliers 2%Taxes and wages 5%Other 87%
Of this, €1.7m falls due within a year.
Investments
€106,759 5.3 × depreciation
Green is investment, beige is depreciation.
Staff
1 employees on 30-09-2025
In 2025, nobody joined and 1 person left.
Filings
14 annual accounts since 2012
The last five annual accounts were filed 3 to 36 days before the end of the period.
Checked score
92
Excellent
Financially stronger than 36% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.3%▲ +0.1 percentage points vs 03-2025highest value
05-2025: 0.1%▼ -0.2 percentage points vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.2%▲ +0.1 percentage points vs 03-2026
05-2026: 0.1%▼ -0.1 percentage points vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026lowest value
09-2026: 0.1%● unchanged vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Liquidity: current ratio 1.25, cash €24,872
lowers risk
Size: 0.6 FTE, total assets €2.3m
Founded in 1995
Figures for financial year 2025 (filed on 28-04-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 26% of them on solvency, 5% on liquidity, 40% on profitability and 72% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,818 companies had the same profile as Speck has now. Each dot stands for 10 companies, two years later.
95.1%
were still trading
3.7%
stopped another way
1.0%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Speck itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,818 companies, not a prediction for Speck. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €45,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.25 (1.21 in 2024), below the usual 1.5. Short-term debt is 74.1% and cash 1.1% of total assets. 76.8% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
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
19202122232425
2019 to 2025 · latest year €531,947
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 days early
2024
13 days early
2023
36 days early
2022
26 days early
2021
30 days early
2020
on the day
2019
3 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 16 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 4 April (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end10-11-2026 today30-04-2027 deadline
Board and ownership
Recent changes
Appointments: Louise Speck (director) and Emma Speck (director)
General meeting of 02-12-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0456228414
2 directors appointed, 4 resignations
Resignations: Jan Speck, BODEGHEM, JEKEL and Kate Van Rampelbergh · Appointments: Jan Speck (director) and Kate Van Rampelbergh (director) · Director discharge: Jan Speck · General meeting of 20-09-2022 · Gazette deed
2 directors appointed, 4 reappointments
Reappointments: Bodeghem BVBA, Jekel NV, Jan Speck and Kate Van Rampelberg · Permanent representatives: Kate Van Rampelberg and Jan Speck · Appointments: Jekel NV (managing director) and Jan Speck (managing director) · General meeting of 03-03-2018 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Speck Dilbeek | €2.3m | €220,595 | 23.2% | 0.6 |
| INSTITUTE FOR MANAGEMENT AND PERSONNEL ADVICE CONSULTING AND TRAINING Herent | €2.2m | €186,644 | 40.7% | 0.7 |
| AYKA Investments Kalmthout | €2.2m | €216,231 | 46.6% | 0.5 |
| FACE A FACE CONSULTING Uccle | €2.4m | €213,525 | 25.3% | 0.5 |
| MAGLI Wemmel | €1.9m | €198,124 | 53.7% | 1 |
| LIMA Bekkevoort | €1.9m | €244,050 | 25.3% | 0 |
| Bielen Tienen | €2.0m | €303,980 | 49.6% | 0.1 |
These companies have the same main activity as Speck: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €1.9m and €2.4m, founded between 1991 and 2000.
Official details
Source: KBO- Status
- Active since 19-10-1995Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.073.599.6821700 Dilbeek, since 23-10-1995
- Financial year end
- 30 September
- Peppol
- Reachable since 18-09-2025
Annual accounts to 30-09-2025
- ≈ €350,000estimated
- €2.3m▲ 15.2%
- Employeeson 30-09-2025
- 1▼ 50.0%
- Filing
- Filed on 27-04-2026, 3 days before the end of the filing period
Insights on Speck
Speck files the abbreviated format. That format states no turnover. The gross margin fell from €340,146 in 2012 to €220,595 in 2025.
JEKEL holds 99% of the shares. In November 2022, the Official Gazette published the appointment of Jan Speck as managing director.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Speck
- What is the company number of Speck?
- The company number of Speck is 0456.228.414. The VAT number is the same number with BE in front: BE 0456.228.414.
- Where is Speck based?
- The registered office is at Dorpsplein 1, 1700 Dilbeek.Company details
- What does Speck do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of Speck?
- Speck is a public limited company (NV).
- When was Speck founded?
- Speck was founded on 19-10-1995.
- Is Speck still active?
- Yes, Speck is an active enterprise in the KBO register.
- How many employees does Speck have?
- Speck had an average of 0.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of Speck?
- The turnover in financial year 2025 is ≈ €350,000. This figure is estimated from the gross margin of €220,595 and 93 comparable companies (NACE 70200). It probably lies between €290,000 and €460,000.
- Is Speck profitable?
- In financial year 2025, Speck made a profit of €116,000.
- Where can I find the annual accounts of Speck?
- Speck filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Speck due?
- Speck must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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