SPECTIVE
ActiveSummary
SPECTIVE has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7k and a net result of €51k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 2699 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency34▲+2
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.22 against 1.16 in 2024; short-term debt: 80.8% and cash: 45.5% of total assets), and 90.9% of the assets are financed with debt.
Credit check 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
9.1%
Return on assets
64.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 2699 sector peers (2025).
NBB · sector comparisonPosition among 2699 sector peers
Solvency
better than 20%
← weakest
strongest →
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 €7k
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 · 7 filingsDeviation from the deadline
2025
7 d early
2024
1 d early
2023
1 d early
2022
3 d early
2021
2 d early
2020
22 d early
2019
12 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€7k▲ 21.5%
2024 · €6k
Total assets
€80k▼ 4.8%
2024 · €84k
Net result
€51k▲ 6.9%
2024 · €48k
Working capital
€14k▲ 22.4%
2024 · €11k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€6k▼ 78.3%€23k▲ 258%€39k▲ 75.1%€62k▲ 56.1%€67k▲ 8.2%
Net result€3k▼ 86.3%€16k▲ 434%€30k▲ 83.1%€48k▲ 59.1%€51k▲ 6.9%
Equity€51k▲ 6.5%€67k▲ 32.4%€6k▼ 91.1%€6k=€7k▲ 21.5%
Total assets€77k▼ 8.0%€76k▼ 1.5%€77k▲ 1.6%€84k▲ 8.8%€80k▼ 4.8%
Debt€26k▼ 27.2%€9k▼ 66.9%€71k▲ 718%€78k▲ 9.6%€73k▼ 6.8%
Working capital€54k▲ 18.8%€66k▲ 21.5%€-689€11k€14k▲ 22.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €80k
Fixed assets
€1k ▼ 40.0%
Current assets
€79k ▼ 3.9%
Equity and liabilities €80k
Equity
€7k ▲ 21.5%
Debt
€73k ▼ 6.8%
Debt's share of the balance-sheet total falls from 92.9% to 90.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€69k▲
2024 · €67k
Cash flow
€53k▼
2024 · €54k
Current ratio
1.22▲
2024 · 1.16
Debt to equity
9.97▼
2024 · 13.00
ROE
703.7%▼
2024 · 799.3%
ROA
64.1%▲
2024 · 57.1%
Interest coverage
92.52▼
2024 · 108.81
Debt ≤ 1 year
€65k▼
2024 · €70k
Debt > 1 year
€6k=
2024 · €6k
Income taxes
€15k▲
2024 · €13k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €2k | €5k | €6k | €2k | ▼ 63.9% |
| Other operating charges640/8 | €225 | €639 | €1k | €2k | €5k | ▲ 219% |
| Gross operating margin9900 | €8k | €25k | €46k | €69k | €74k | ▲ 7.1% |
| Operating profit (loss)9901 | €6k | €23k | €39k | €62k | €67k | ▲ 8.2% |
| Financial income75/76B | €2 | €53 | €116 | €0 | €5 | - |
| Recurring financial income75 | €2 | €53 | €116 | €0 | €5 | - |
| Financial charges65/66B | €1k | €657 | €984 | €618 | €742 | ▲ 20.0% |
| Recurring financial charges65 | €1k | €657 | €984 | €618 | €742 | ▲ 20.0% |
| Profit (loss) for the period before taxes9903 | €5k | €22k | €39k | €61k | €66k | ▲ 8.1% |
| Income taxes67/77 | €2k | €5k | €8k | €13k | €15k | ▲ 12.2% |
| Profit (loss) for the period9904 | €3k | €16k | €30k | €48k | €51k | ▲ 6.9% |
| Profit (loss) for the period to be appropriated9905 | €3k | €16k | €30k | €48k | €51k | ▲ 6.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €77k | €76k | €77k | €84k | €80k | ▼ 4.8% |
| Fixed assets21/28 | €4k | €2k | €8k | €2k | €1k | ▼ 40.0% |
| Tangible fixed assets22/27 | €4k | €2k | €8k | €2k | €1k | ▼ 40.0% |
| Plant, machinery and equipment23 | €4k | €2k | €2k | €993 | €1k | ▲ 29.6% |
| Furniture and vehicles24 | - | - | €6k | €1k | €0 | ▼ 100% |
| Current assets29/58 | €73k | €74k | €69k | €82k | €79k | ▼ 3.9% |
| Amounts receivable after more than one year29 | - | €4k | €0 | - | - | - |
| Other amounts receivable291 | - | €4k | €0 | - | - | - |
| Amounts receivable within one year40/41 | €30k | €29k | €28k | €28k | €40k | ▲ 44.5% |
| Trade receivables40 | €28k | €27k | €25k | €27k | €38k | ▲ 41.5% |
| Other amounts receivable41 | €2k | €2k | €2k | €1k | €3k | ▲ 101% |
| Cash at bank and in hand54/58 | €42k | €39k | €40k | €51k | €36k | ▼ 28.3% |
| Deferred charges and accrued income490/1 | €2k | €3k | €2k | €3k | €2k | ▼ 40.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €77k | €76k | €77k | €84k | €80k | ▼ 4.8% |
| Equity10/15 | €51k | €67k | €6k | €6k | €7k | ▲ 21.5% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Profit (loss) carried forward14 | €45k | €61k | €0 | €0 | €1k | - |
| Amounts payable17/49 | €26k | €9k | €71k | €78k | €73k | ▼ 6.8% |
| Amounts payable after more than one year17 | - | - | - | €6k | €6k | = |
| Financial debts170/4 | - | - | - | €6k | €6k | = |
| Amounts payable within one year42/48 | €19k | €8k | €70k | €70k | €65k | ▼ 8.2% |
| Trade debts44 | €11k | €5k | €5k | €12k | €1k | ▼ 88.5% |
| Suppliers440/4 | €11k | €5k | €5k | €12k | €1k | ▼ 88.5% |
| Taxes, remuneration and social security45 | €9k | €3k | €1k | €6k | €2k | ▼ 66.3% |
| Taxes450/3 | €9k | €3k | €1k | €6k | €2k | ▼ 66.3% |
| Other amounts payable47/48 | - | €266 | €64k | €53k | €61k | ▲ 15.4% |
| Accrued charges and deferred income492/3 | €7k | €423 | €1k | €2k | €2k | ▲ 26.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3k | €16k | €30k | €48k | €51k | ▲ 6.9% |
| + Depreciation and write-downs630 | €2k | €2k | €5k | €6k | €2k | ▼ 63.9% |
| Operating cash flow (approximation) | €5k | €18k | €35k | €54k | €53k | ▼ 0.6% |
| Investment in fixed assets (approximation) | - | €0 | €-11k | €0 | €-1k | - |
| Change in cash | - | €-3k | €2k | €11k | €-14k | ▼ 236% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2019net €51k ▲6.9%
Operating result €67k, net result €51k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity doublescurrent ratio 8.95
Current ratio from 3.82 to 8.95; short-term debt falls from €19k to €8k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €3k ▼86.3%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
19-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Puurs-Sint-Amands · 1 establishment unit since 2019
Ground area
772 m²
Building footprint
139 m²
Volume, LiDAR
888 m³
Parcel 12022A0526/00B002, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SPECTIVE
since 20192.291.415.459
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12022A0526/00B002 | Flanders | 772 m² | 1 · 139 m² | 10.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 30,002 companies in sector 62200 we hold annual accounts for 18,390. 7,875 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Scores and ratios are computed by Checked and are not a credit decision.