SPECTEUR
ActiveSPECTEUR has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €5k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 22% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+24
Solvency46▲+5
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.99 against 0.72 in 2024; short-term debt: 79% and cash: 0.8% of total assets), and 79% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 17022 sector peers (2025).
NBB · sector comparisonPosition among 17022 sector peers
Solvency
better than 22%
← 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 20-07-2026, 11 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
11 d early
2024
49 d early
2023
51 d early
2022
127 d early
2021
93 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€12k▲ 70.5%
2024 · €7k
2021: €10k
2022: €11k
2023: €11k
2024: €7k
2021 → 2025
Total assets
€55k▲ 27.2%
2024 · €43k
2021: €24k
2022: €20k
2023: €58k
2024: €43k
2021 → 2025
Net result
€5k
2024 · €-5k
2021: €8k
2022: €1k
2023: €279
2024: €-5k
2021 → 2025
Working capital
€-506▲ 95.0%
2024 · €-10k
2021: €-3k
2022: €3k
2023: €-14k
2024: €-10k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€11k▲ 13.8%€11k▲ 2.5%€7k▼ 40.1%€12k▲ 70.5%
Operating result€8k-€2k▼ 79.5%€2k▲ 49.1%€-4k€4k
Net result€8k-€1k▼ 82.5%€279▼ 79.2%€-5k€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €4k after a loss of €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55k
Fixed assets
€12k▼ 28.4%
Current assets
€43k▲ 62.9%
Equity and liabilities €55k
Equity
€12k▲ 70.5%
Debt
€43k▲ 19.2%
The debt ratio falls from 84.3% to 79.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€9k▲
2024 · €5k
Cash flow
€10k▲
2024 · €4k
Solvency
21.0%▲
2024 · 15.7%
Current ratio
0.99▲
2024 · 0.72
Quick ratio
0.99▲
2024 · 0.72
Debt / equity
3.75▼
2024 · 5.37
ROE
41.3%▲
2024 · -66.9%
ROA
8.7%▲
2024 · -10.5%
Interest coverage
140.56▲
2024 · 54.23
Debt
€43k▲
2024 · €36k
Debt ≤ 1 year
€43k▲
2024 · €36k
Income taxes
€861▲
2024 · €788
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€43k€55k▲
Fixed assets21/28€17k€12k▼
Tangible fixed assets22/27€17k€12k▼
Furniture and vehicles24€17k€12k▼
Current assets29/58€26k€43k▲
Amounts receivable within one year40/41€18k€42k▲
Trade receivables40€18k€40k▲
Other amounts receivable41-€2k
Cash at bank and in hand54/58€7k€428▼
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€43k€55k▲
Equity10/15€7k€12k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€5k€10k▲
Amounts payable17/49€36k€43k▲
Amounts payable within one year42/48€36k€43k▲
Trade debts44€14k€18k▲
Suppliers440/4€14k€18k▲
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Other amounts payable47/48€20k€24k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€5k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€608
Other operating charges640/8€439-
Non-recurring operating charges66A€1-
Gross operating margin9900€5k€10k▲
Operating profit (loss)9901€-4k€4k▲
Financial income75/76B€3€1k▲
Recurring financial income75€2€0▼
Non-recurring financial income76B€1€1k▲
Financial charges65/66B€84€66▼
Recurring financial charges65€84€66▼
Profit (loss) for the period before taxes9903€-4k€6k▲
Income taxes67/77€788€861▲
Profit (loss) for the period9904€-5k€5k▲
Profit (loss) for the period to be appropriated9905€-5k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€10k▲
Profit (loss) brought forward from the previous period14P€9k€5k▼
The notes to these accounts (4 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-5k ▼1723%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Schaarbeek · 1 establishment unit since 2021
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.
Maurice Maeterlincklaan 91030 SchaarbeekGround area
276 m²
Building footprint
91 m²
Volume, LiDAR
1,079 m³
Parcel 21015A0076/00K004, Brussels · tallest building 14.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SPECTEUR
since 20212.317.424.228
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21015A0076/00K004 | Brussels | 276 m² | 1 · 91 m² | 14.2 m · 4 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
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ContextDev
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Level Twelve
BE 1008.325.490
Frameries · Eq €12k
BEEBOLE
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STORMVALK
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Of 16,886 companies in sector 62100 we hold annual accounts for 8,777. 4,733 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-05-2021
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82190Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.