Spectacles
ActiveSpectacles has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €119k and a net result of €-32k. Equity is shrinking by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 34% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-97
Solvency78▼-19
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.76 against 4.53 in 2024), but 64.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
35.7%
Return on assets
-9.6%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 filingsDeviation from the deadline
2025
31 d late
2024
70 d late
2023
77 d late
2022
66 d late
2021
78 d late
2020
181 d late
2019
546 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€119k▼ 21.2%
2024 · €152k
2018: €180k
2020: €186k
2021: €210k
2022: €131k
2023: €122k
2024: €152k
2018 → 2025
Total assets
€334k▲ 23.6%
2024 · €271k
2018: €215k
2020: €253k
2021: €345k
2022: €302k
2023: €250k
2024: €271k
2018 → 2025
Net result
€-32k
2024 · €29k
2018: €24k
2020: €-20k
2021: €24k
2022: €-79k
2023: €-9k
2024: €29k
2018 → 2025
Working capital
€212k▲ 1.3%
2024 · €209k
2018: €178k
2020: €184k
2021: €208k
2022: €175k
2023: €149k
2024: €209k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€210k-€131k▼ 37.6%€122k▼ 6.8%€152k▲ 24.2%€119k▼ 21.2%
Operating result€45k-€-55k€-7k▲ 87.2%€28k€-34k
Net result€24k-€-79k€-9k▲ 88.7%€29k€-32k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €34k after €28k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €334k
Fixed assets
€2k=
Current assets
€332k▲ 23.7%
Equity and liabilities €334k
Equity
€119k▼ 21.2%
Debt
€215k▲ 80.4%
The debt ratio rises from 44.0% to 64.3%: debt grows while equity shrinks.
Key figures and ratios
Solvency
35.7%▼
2024 · 56.0%
Current ratio
2.76▼
2024 · 4.53
Quick ratio
2.76▼
2024 · 4.53
Debt / equity
1.80▲
2024 · 0.79
ROE
-26.8%▼
2024 · 19.5%
ROA
-9.6%▼
2024 · 10.9%
Debt
€215k▲
2024 · €119k
Debt ≤ 1 year
€120k▲
2024 · €59k
Debt > 1 year
€29k=
2024 · €29k
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€271k€334k▲
Fixed assets21/28€2k€2k=
Financial fixed assets28€2k€2k=
Current assets29/58€269k€332k▲
Amounts receivable after more than one year29€222k€222k=
Other amounts receivable291€222k€222k=
Amounts receivable within one year40/41€22k€22k▼
Trade receivables40€20k€18k▼
Other amounts receivable41€2k€4k▲
Cash at bank and in hand54/58€18k€82k▲
Deferred charges and accrued income490/1€7k€7k=
Equity and liabilities
Total equity and liabilities10/49€271k€334k▲
Equity10/15€152k€119k▼
Contributions10/11€12k€12k=
Reserves13€139k€107k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€137k€105k▼
Amounts payable17/49€119k€215k▲
Amounts payable after more than one year17€29k€29k=
Financial debts170/4€29k€29k=
Amounts payable within one year42/48€59k€120k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€15k€72k▲
Suppliers440/4€15k€72k▲
Taxes, remuneration and social security45€27k€32k▲
Taxes450/3€27k€30k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€17k€16k▼
Accrued charges and deferred income492/3€31k€66k▲
Income statement
Code20242025
Other operating charges640/8€3k€0▼
Gross operating margin9900€32k€-34k▼
Operating profit (loss)9901€28k€-34k▼
Financial income75/76B€7k€7k▲
Recurring financial income75€7k€7k▲
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€29k€-32k▼
Income taxes67/77€0-
Profit (loss) for the period9904€29k€-32k▼
Profit (loss) for the period to be appropriated9905€29k€-32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€29k€-32k▼
Transfer from equity791/2€0€32k▲
Transfer to equity691/2€29k€0▼
To other reserves6921€29k€0▼
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 70 days late
2024
31-12
Financial
Back to profitnet €29k
Net result €29k after 2 loss-making years.
31-12
Financial
Equity above €150kEq €152k ▲24.2%
Equity rises from €122k to €152k.
16-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 77 days late
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
31-12
Financial
Weakest financial yearnet €-79k ▼427%
Net result drops to €-79k, the lowest in the series; recovery starts the following year.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 181 days late
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 546 days late
2021
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
31-12
Financial
Equity above €200kEq €210k ▲13%
Equity rises from €186k to €210k.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 92 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
05-03
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 217 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Lint · 1 establishment unit since 1995
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.
Molenstraat 132547 LintGround area
256 m²
Building footprint
98 m²
Volume, LiDAR
592 m³
Parcel 11025D0014/00S000, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Spectacles
since 19952.071.554.665
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11025D0014/00S000 | Flanders | 256 m² | 1 · 98 m² | 10.3 m · 2 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.
Similar companies · same sector, comparable size
REEFLECT
BE 1010.568.863
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JAMMINQ
BE 0736.411.726
Ukkel · Eq €119k
GIFI
BE 0897.138.449
Namur · Eq €119k
Marcez
BE 1021.722.873
Gent · Eq €119k
VERBRUGGENCONSULTING
BE 0893.111.365
Willebroek · Eq €119k
Of 82,201 companies in sector 70200 we hold annual accounts for 52,400. 40,698 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-04-1995
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.