Losses
-€27,384 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
SPECS
Overview
Lifetime
5 annual accounts with figures on one time axispeak €41,098 (2021)
-€5,636▲ €2,737
lowest -€20,356 (2024)
-€7,029▲ €13,327
peak €41,904 (2023)
€14,520▼ 32.6%
€1,613▼ 55.0%
Board1 name since 2020
1 directorSENYONI Gustave
Documentsfilings and deeds
26-01-20265 days before the deadline
2025micro format
Gross margin from -€8,373 to -€5,636Loss of €7,029Equity from €21,549 to €14,520Debts from €3,582 to €1,613Cash from €1,264 to €828
Key points
from the 2025 annual accountsFilings
5 annual accounts since 2021
The last five annual accounts were filed 4 to 127 days before the end of the period.
Position in the sector
-€7,029
Lower net result than 88% of companies in computer programming and consultancy. Sector median €28,569 · 21,199 companies.
Turnover not published (micro format)
Checked score
88
Excellent
Financially stronger than 37% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,925 companies (NACE 62, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%lowest value
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: 0.2%▲ +0.2 percentage points vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.3%▲ +0.1 percentage points vs 12-2025highest value
02-2026: 0.2%▼ -0.1 percentage points vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.1%▼ -0.1 percentage points vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.2%▲ +0.1 percentage points vs 06-2026
08-2026: 0.2%● unchanged vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Loss of €7,029, the second in a row (financial year 2025)
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €16,133
Equity €14,520 (90.0% of total assets)
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 62, micro). It does better than 85% of them on solvency, 39% on liquidity, 5% on profitability and 20% on growth.
The bankruptcy probability was computed on 06-11-2026 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 30-06-2025.
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, 3,591 companies had the same profile as SPECS has now. Each dot stands for 9 companies, two years later.
87.4%
were still trading
9.4%
stopped another way
3.0%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SPECS itself is lower: 0.2% within 12 months. It rests on far more data about SPECS than the profile alone.
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 3,591 companies, not a prediction for SPECS. 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 €1,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 9.39 (6.45 in 2024), above the usual 1.5. Short-term debt is 10% and cash 5.1% of total assets. 10% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2122232425
2021 to 2025 · latest year -€7,029
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
5 days early
2024
4 days early
2023
58 days early
2022
127 days early
2021
52 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 49 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 10 December (4 of the last 5 accounts filed within 48 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end07-11-2026 today31-01-2027 deadline
Board and ownership
- SENYONI Gustave all the sharesdeed of 22-12-2020
Shares in 1 company, GRAINZ BELGIUM
Board & ownershipRecent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0759980746
Incorporation
Founder: SENYONI Gustave (fondateur et simple souscripteur) · Founding capital of €2,500, 100 shares · Appointment: SENYONI Gustave (director) · published on 22-12-2020 · Gazette deed
First establishment
Berensheide 50, Watermael-Boitsfort
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SPECS Watermael-Boitsfort | €16,133 | -€5,636 | 90.0% | - |
| IT is a Sport Ixelles | €15,661 | -€14,556 | -1.4% | - |
| SHAH CONSULTING Saint-Josse-ten-Noode | €12,836 | -€3,662 | 89.1% | - |
| LetMeTweakIt Ghent | €16,651 | -€50,558 | 82.2% | - |
| SALMAN CREATIONS Kuurne | €16,331 | -€9,344 | 64.9% | - |
| EDUWIDE Nivelles | €15,741 | -€1,243 | -92.6% | - |
| WORQABLE Antwerp | €17,752 | €732 | 74.4% | - |
These companies have the same main activity as SPECS: computer programming (NACE 62100). They are comparable in size and age: total assets between €12,800 and €17,800, founded between 2020 and 2021.
Official details
Source: KBO- Status
- Active since 18-12-2020Normal situation
- Activity
- Computer programmingNACE 62100and 1 other
- Establishment unit
- 2.311.256.9091170 Watermael-Boitsfort, since 18-12-2020
- Financial year end
- 30 June
- Peppol
- Reachable since 23-12-2025
Annual accounts to 30-06-2025
- -€5,636▲ 32.7%
- €7,029▼ 65.5%
- €14,520▼ 32.6%
- €16,133▼ 35.8%
- Filing
- Filed on 26-01-2026, 5 days before the end of the filing period
Insights on SPECS
SPECS files the micro format. That format states no turnover. The gross margin fell from €41,098 in 2021 to -€5,636 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 26-01-2026, 5 days before the deadline-€5,636
▲ €2,737
-€7,067
▲ €3,537
-€7,029
▲ €13,327
€13,527
▼ 30.7%
90.0%
▲ 4.3 percentage points
9.39
▲ 2.94
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €16,133 on 30-06-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
90.0%
Higher than 88% of 21,193 companies in 2025.
9.39
Higher than 88% of 20,556 companies in 2025.
-43.6%
Lower than 95% of 20,731 companies in 2025.
SPECS
Middle half of the sector
80% of the sector
Micro accounts in computer programming and consultancy (NACE 62)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||
20/58 |
16,133 | 25,131 | 50,669 | 44,854 | 53,738 | |
21/28 |
993 | 2,037 | 13,880 | 5,825 | 1,296 | |
22/27 |
993 | 2,037 | 3,884 | 5,825 | 1,296 | |
24 |
993 | 2,037 | 3,884 | 5,825 | 1,296 | |
28 |
- | - | 9,996 | - | - | |
29/58 |
15,140 | 23,093 | 36,789 | 39,029 | 52,442 | |
29 |
13,367 | 21,750 | 22,008 | - | - | |
291 |
13,367 | 21,750 | 22,008 | - | - | |
40/41 |
945 | 79 | 220 | 3,898 | 303 | |
40 |
850 | - | - | 3,872 | 303 | |
41 |
95 | 79 | 220 | 26 | - | |
54/58 |
828 | 1,264 | 14,561 | 35,131 | 52,140 | |
| Balance sheet: equity and liabilities | ||||||
10/49 |
16,133 | 25,131 | 50,669 | 44,854 | 53,738 | |
10/15 |
14,520 | 21,549 | 41,904 | 35,634 | 34,826 | |
10/11 |
2,500 | 2,500 | 2,500 | 2,500 | 2,500 | |
14 |
12,020 | 19,049 | 39,404 | 33,134 | 32,326 | |
17/49 |
1,613 | 3,582 | 8,764 | 9,220 | 18,912 | |
42/48 |
1,613 | 3,582 | 8,764 | 9,220 | 18,912 | |
44 |
1,613 | 836 | 1,352 | 402 | 694 | |
440/4 |
1,613 | 836 | 1,352 | 402 | 694 | |
45 |
- | - | 2,011 | 2,684 | 10,738 | |
450/3 |
- | - | 2,011 | 2,684 | 10,738 | |
47/48 |
- | 2,746 | 5,402 | 6,134 | 7,481 | |
| Income statement | ||||||
9900 |
-5,636 | -8,373 | 9,861 | 2,529 | 41,098 | |
630 |
1,044 | 1,846 | 1,941 | 1,201 | 95 | |
640/8 |
387 | 384 | - | 50 | 372 | |
9901 |
-7,067 | -10,604 | 7,919 | 1,278 | 40,631 | |
75/76B |
308 | 517 | 258 | 4 | - | |
75 |
308 | 517 | 258 | 4 | - | |
65/66B |
269 | 10,269 | 328 | 272 | 223 | |
65 |
269 | 10,269 | 328 | 272 | 223 | |
9903 |
-7,029 | -20,356 | 7,849 | 1,009 | 40,408 | |
67/77 |
- | - | 1,579 | 202 | 8,081 | |
9904 |
-7,029 | -20,356 | 6,271 | 807 | 32,326 | |
9905 |
-7,029 | -20,356 | 6,271 | 807 | 32,326 | |
| Appropriation of the result | ||||||
9906 |
12,020 | 19,049 | 39,404 | 33,134 | 32,326 | |
14P |
19,049 | 39,404 | 33,134 | 32,326 | - | |
| Document | ||||||
The notes to these accounts have 4 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 26-01-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-06-2025 | micro format | 26-01-2026 | 2026-00014858 | |
| 30-06-2024 | micro format | 27-01-2025 | 2025-00018300 | |
| 30-06-2023 | micro format | 04-12-2023 | 2023-00520972 | |
| 30-06-2022 | micro format | 26-09-2022 | 2022-20434976 | |
| 30-06-2021 | micro format | 10-12-2021 | 2021-79900576 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| -6,023 | -8,758 | 9,861 | 2,479 | 40,726 | ||
| -5,984 | -18,509 | 8,212 | 2,009 | 32,422 | ||
| 0 | -9,996 | 9,996 | 5,730 | 1,392 | ||
| -436 | -13,297 | -20,570 | -17,009 | - | ||
| 13,527 | 19,511 | 28,025 | 29,809 | 33,530 | ||
| 90.0% | 85.7% | 82.7% | 79.4% | 64.8% | ||
| 9.39 | 6.45 | 4.20 | 4.23 | 2.77 | ||
| 0.11 | 0.17 | 0.21 | 0.26 | 0.54 | ||
| -48.4% | -94.5% | 15.0% | 2.3% | 92.8% | ||
| -43.6% | -81.0% | 12.4% | 1.8% | 60.2% | ||
| -22.38 | -0.85 | 30.06 | 9.10 | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 30-06-2025 | 30-06-2024 | 30-06-2023 | 30-06-2022 |
|---|---|---|---|---|
| Tangible fixed assets | - | - | - | €5,730 |
| Financial fixed assets | - | - | €9,996 | - |
| €1,044 | €1,846 | €1,941 | €1,201 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on SPECS
The operating result for 2025 is a loss of €7,067, smaller than the loss of €10,604 in 2024.
Debt's share of the balance-sheet total falls from 14.3% to 10.0%. Equity and debt are lower.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 18-12-2020
term without a fixed end
listed in the 2025 annual accounts, filed on 26-01-2026
Mandates through the years
1 name, the dashed line is todaySENYONI Gustave
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- SENYONI Gustave
- Director (not named in the articles), from 18-12-2020 to date
Control
Capital
- Contribution
- €2,500
- Source
- 2025 annual accounts
Articles of association
deed of 22-12-2020 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Monday of December at 17:00
Shareholders
At incorporation
deed of 22-12-2020 ↗
- SENYONI Gustave all shares
Network & group
Holdings and subsidiaries
1 holdingHoldings 1
-
share not stated
Connections & network
1 current directorThe network starts from the directors of SPECS. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Timeline
9 events since 2020Filings
Financial
Establishments
2020202220242026
Deadline for the 2026 accounts: 31-01-2027
2026
Annual accounts 2025 filed PDFmicro format · 5 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0759980746
Annual accounts 2024 filed PDFmicro format · 4 days before the deadline
2024
Weakest financial year net -€20,356 The net result drops to -€20,356, the lowest from 2021 to 2025. It recovers the following year.
2023
Annual accounts 2023 filed PDFmicro format · 58 days before the deadline
2022
Annual accounts 2022 filed PDFmicro format · 127 days before the deadline
2021
Annual accounts 2021 filed PDFmicro format · 52 days before the deadline
2020
IncorporationFounder: SENYONI Gustave (fondateur et simple souscripteur) · Founding capital of €2,500, 100 shares · Appointment: SENYONI Gustave (director) · published on 22-12-20205 points ▸
- Registered office clause, Berensheide 50 boîte 45
- Director appointment, SENYONI Gustave (director (not named in the articles))
- Founder, SENYONI Gustave (fondateur et simple souscripteur)
- SENYONI Gustave holds all the shares
- Founding capital, €2,500, 100 shares
- The deed holds 11 more points.
First establishment Berensheide 50, Watermael-Boitsfort
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
SPECS was incorporated on 18 December 2020 as a private limited company.1 Since 2020, SENYONI Gustave has served as director.2 Total assets fell from €53,738 in 2021 to €16,133 in 2025.3
Company details
Identity
- Enterprise number
- 0759.980.746
- VAT number
- BE 0759.980.746
- Peppol ID
- 0208:0759980746
- Other Peppol ID
- 9925:BE0759980746
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 18-12-2020
- Financial year
- ends on 30 June
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Monday of December at 17:00deed of 22-12-2020 (in French)
- Peppol
- Reachable since 23-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- SPECS in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 22-12-2020 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Région de Bruxelles-Capitale”deed of 22-12-2020 (in French)
Activities
NACEBEL 202562100
Computer programming main activity
Codes under NACEBEL 2008
62010
Computer programming, consultancy and related activities main activity
58290
Publishing activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Les services informatiques (réseaux, analyse et gestion de projets, programmation, développement d’applications, développement de sites…”deed of 22-12-2020 (in French)
17 activities
- Les services informatiques (réseaux, analyse et gestion de projets, programmation, développement d’applications, développement de sites web)
- Le commerce en général tant en gros qu'au détail, en ce compris notamment l'achat, la vente, l'importation l’exportation, la fabrication, l'entretien, la réparation, la location de : tus matériels et composants en électronique, tous accessoires s'y rattachant ainsi que les logiciels, appareils mobiliers et marchandises en ce compris les jeux vidéo, ordinateurs hardware et software
- Tus produits relevant du secteur de l'audiovisuel et de l'informatique
- Le conseil en systèmes d’information
- Les activités de design, de dessin, de reprographie et de photographie
- La conception, la réalisation, la production, de toutes œuvres cinématographiques, télévisuelles ou audiovisuelles quel que soit le support de diffusion
- La rédaction d’articles, l’écriture de scénarios et de livres
- Toutes prestations de traduction et d’interprétation
- La création, l’organisation, la promotion, la production et la gestion d’évènements ou de manifestations en tout genre, et notamment, sans que cette liste ne soit limitative, d’ateliers créatifs, vernissages, défilés, spectacles, concerts, expositions, festivals, etc
- La gestion et la distribution de droits d'auteur, licences, marques et brevets
- Le transport de personnes en voiture avec chauffeur (VTC)
- Tous services administratifs aux entreprises
- La formation, le recyclage professionnel et l’éducation permanente
- Le coaching
- Toutes activités liées à la médiation et la résolution des conflits, sous quelque forme que ce soit
- Exercer les fonctions d’administrateur ou de liquidateur au sein de toute entreprise
- La gestion d'un patrimoine mobilier et immobilier et notamment l'acquisition par voie d'achat ou autrement, l'aliénation, la valorisation, la construction, la rénovation, l'aménagement, l'entretien, la location ou le leasing de tous biens immeubles. Elle pourra également acquérir par voie d’achat ou autrement tout immeuble pour le mettre à disposition de son gérant ou des membres de sa famille
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Berensheide 50 registered office 1170 Watermael-Boitsfort | 18-12-2020 | 2.311.256.909 |
Buildings and parcels at the address
- Ground area
- 162 m²
- Buildings
- 162 m²
- Volume, LiDAR
- 1,813 m³
- Tallest building
- 14.2 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21017D0345/00B000 | 162 m² | 1 · 162 m² | 14.2 m · 4 |