Specto.be
ActiveSummary
Specto.be has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34,121 and a net result of €37,189. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 18% of 17179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability80▼-8
Solvency41▼-57
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity short (current ratio 0.84 against 2.39 in 2024; short-term debt: 83.5% and cash: 43.3% of total assets), and 84.5% of the assets are financed with debt.
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Signals
Five 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 →
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
15.5%
Return on assets
16.9%
Age of the figures
9 mo
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 18% of 17179 sector peers (2025).
NBB · sector comparisonPosition among 17179 sector peers
Solvency
better than 18%
← 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 28-04-2026, 94 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
94 d early
2024
18 d late
2023
19 d late
2022
26 d early
2021
30 d late
2020
12 d late
2019
61 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 3 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€34,121▼ 74.7%
2024 · €135,132
Total assets
€219,763▲ 18.2%
2024 · €185,886
Net result
€37,189▲ 27.9%
2024 · €29,069
Working capital
-€28,975
2024 · €50,936
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€31,798▲ 11.4%-€10,475€27,409€47,923▲ 74.8%€52,935▲ 10.5%
Net result€23,306within the sector's middle half▲ 16.1%€26,735within the sector's middle half▲ 14.7%-€52,596below the sector's middle half€29,069within the sector's middle half€37,189within the sector's middle half▲ 27.9%
Equity€125,724within the sector's middle half▲ 22.8%€158,659within the sector's middle half▲ 26.2%€106,063within the sector's middle half▼ 33.2%€135,132within the sector's middle half▲ 27.4%€34,121within the sector's middle half▼ 74.7%
Total assets€146,504within the sector's middle half▲ 1.7%€183,216within the sector's middle half▲ 25.1%€128,246within the sector's middle half▼ 30.0%€185,886within the sector's middle half▲ 44.9%€219,763within the sector's middle half▲ 18.2%
Debt€20,780▼ 50.1%€24,557▲ 18.2%€22,183▼ 9.7%€50,755▲ 129%€185,642▲ 266%
Working capital€89,519▲ 34.5%€17,321▼ 80.7%€28,508▲ 64.6%€50,936▲ 78.7%-€28,975
Solvency85.8%above the sector's middle half▲ 14.7pp86.6%above the sector's middle half▲ 0.8pp82.7%above the sector's middle half▼ 3.9pp72.7%within the sector's middle half▼ 10.0pp15.5%below the sector's middle half▼ 57.2pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €219,763
Fixed assets
€65,147 ▼ 33.7%
Current assets
€154,617 ▲ 76.5%
Equity and liabilities €219,763
Equity
€34,121 ▼ 74.7%
Debt
€185,642 ▲ 266%
Debt's share of the balance-sheet total rises from 27.3% to 84.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€54,693▼
2024 · €58,553
Cash flow
€38,948▼
2024 · €39,699
Current ratio
0.84▼
2024 · 2.39
Debt to equity
5.44▲
2024 · 0.38
ROE
109.0%▲
2024 · 21.5%
ROA
16.9%▲
2024 · 15.6%
Interest coverage
-0.80▼
2024 · 45.18
Debt ≤ 1 year
€183,592▲
2024 · €36,671
Debt > 1 year
€2,050▼
2024 · €14,084
Income taxes
€14,312▼
2024 · €17,612
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,703 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.7%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,703 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,457 | €1,915 | €2,707 | €10,630 | €1,759 | ▼ 83.5% |
| Other operating charges640/8 | €348 | €656 | €818 | €12,823 | €3,181 | ▼ 75.2% |
| Non-recurring operating charges66A | - | €0 | €0 | €28,722 | €8,374 | ▼ 70.8% |
| Gross operating margin9900 | €34,603 | -€7,904 | €30,933 | €100,098 | €66,248 | ▼ 33.8% |
| Operating profit (loss)9901 | €31,798 | -€10,475 | €27,409 | €47,923 | €52,935 | ▲ 10.5% |
| Financial income75/76B | €0 | €50,075 | €23 | €54 | €126 | ▲ 134% |
| Recurring financial income75 | €0 | €50,075 | €23 | €54 | €126 | ▲ 134% |
| Financial charges65/66B | €2,114 | €1,998 | €72,161 | €1,296 | €1,559 | ▲ 20.3% |
| Recurring financial charges65 | €2,114 | €1,998 | €2,010 | €1,296 | -€68,592 | ▼ 5,393% |
| Non-recurring financial charges66B | - | - | €70,151 | €0 | €70,151 | - |
| Profit (loss) for the period before taxes9903 | €29,684 | €37,602 | -€44,729 | €46,681 | €51,501 | ▲ 10.3% |
| Income taxes67/77 | €6,378 | €10,866 | €7,867 | €17,612 | €14,312 | ▼ 18.7% |
| Profit (loss) for the period9904 | €23,306 | €26,735 | -€52,596 | €29,069 | €37,189 | ▲ 27.9% |
| Profit (loss) for the period to be appropriated9905 | €23,306 | €26,735 | -€52,596 | €29,069 | €37,189 | ▲ 27.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €146,504 | €183,216 | €128,246 | €185,886 | €219,763 | ▲ 18.2% |
| Fixed assets21/28 | €36,205 | €141,338 | €77,555 | €98,279 | €65,147 | ▼ 33.7% |
| Tangible fixed assets22/27 | €4,205 | €7,187 | €5,211 | €45,435 | €2,302 | ▼ 94.9% |
| Furniture and vehicles24 | €1,664 | €4,924 | €3,227 | €43,728 | €874 | ▼ 98.0% |
| Other tangible fixed assets26 | €2,541 | €2,263 | €1,985 | €1,706 | €1,428 | ▼ 16.3% |
| Financial fixed assets28 | €32,000 | €134,151 | €72,343 | €52,844 | €62,844 | ▲ 18.9% |
| Current assets29/58 | €110,299 | €41,878 | €50,691 | €87,607 | €154,617 | ▲ 76.5% |
| Amounts receivable within one year40/41 | €15,616 | €16,035 | €17,834 | €64,961 | €56,070 | ▼ 13.7% |
| Trade receivables40 | €15,616 | €15,719 | €16,798 | €63,430 | €50,255 | ▼ 20.8% |
| Other amounts receivable41 | €0 | €316 | €1,037 | €1,531 | €5,815 | ▲ 280% |
| Cash at bank and in hand54/58 | €84,471 | €24,221 | €31,236 | €22,362 | €95,157 | ▲ 326% |
| Deferred charges and accrued income490/1 | €10,212 | €1,622 | €1,622 | €284 | €3,389 | ▲ 1,095% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €146,504 | €183,216 | €128,246 | €185,886 | €219,763 | ▲ 18.2% |
| Equity10/15 | €125,724 | €158,659 | €106,063 | €135,132 | €34,121 | ▼ 74.7% |
| Contributions10/11 | €12,400 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €113,324 | €140,059 | €140,059 | €140,059 | €1,860 | ▼ 98.7% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €111,464 | €138,199 | €138,199 | €138,199 | €0 | ▼ 100% |
| Profit (loss) carried forward14 | - | - | -€52,596 | -€23,528 | €13,661 | ▲ 158% |
| Amounts payable17/49 | €20,780 | €24,557 | €22,183 | €50,755 | €185,642 | ▲ 266% |
| Amounts payable after more than one year17 | - | - | - | €14,084 | €2,050 | ▼ 85.4% |
| Financial debts170/4 | - | - | - | €14,084 | €2,050 | ▼ 85.4% |
| Amounts payable within one year42/48 | €20,780 | €24,557 | €22,183 | €36,671 | €183,592 | ▲ 401% |
| Current portion of amounts payable after more than one year42 | €0 | - | - | €11,588 | €12,034 | ▲ 3.8% |
| Financial debts43 | €245 | €6,191 | €2,030 | €361 | €0 | ▼ 100% |
| Credit institutions430/8 | €245 | €6,191 | €0 | - | - | - |
| Other loans439 | - | - | €2,030 | €361 | €0 | ▼ 100% |
| Trade debts44 | €2,466 | €2,594 | €5,868 | €3,049 | €5,583 | ▲ 83.1% |
| Suppliers440/4 | €2,466 | €2,594 | €5,868 | €3,049 | €5,583 | ▲ 83.1% |
| Taxes, remuneration and social security45 | €18,066 | €15,773 | €14,285 | €21,672 | €27,410 | ▲ 26.5% |
| Taxes450/3 | €18,066 | €15,773 | €14,285 | €21,672 | €27,410 | ▲ 26.5% |
| Other amounts payable47/48 | €3 | €0 | - | - | €138,565 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €23,306 | €26,735 | -€52,596 | €29,069 | €37,189 | ▲ 27.9% |
| + Depreciation and write-downs630 | €2,457 | €1,915 | €2,707 | €10,630 | €1,759 | ▼ 83.5% |
| Operating cash flow (approximation) | €25,764 | €28,650 | -€49,889 | €39,699 | €38,948 | ▼ 1.9% |
| Investment in fixed assets (approximation) | - | -€107,048 | €61,077 | -€31,355 | €31,374 | ▲ 200% |
| Change in cash | - | -€60,250 | €7,014 | -€8,873 | €72,795 | ▲ 920% |
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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
31-12
Financial
Back to profitnet €29,069
Net result €29,069 after one loss-making year.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Weakest financial yearnet -€52,596
Net result drops to -€52,596, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150,000Eq €158,659 ▲26.2%
4 profitable years in a row build equity to €158,659.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 5.31
Current ratio from 2.60 to 5.31; short-term debt falls from €41,603 to €20,780.
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
31-12
Financial
Equity above €100,000Eq €102,418 ▲24.4%
2 profitable years in a row build equity to €102,418.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Londerzeel · 1 establishment unit since 2018
Ground area
1,124 m²
Building footprint
144 m²
Volume, LiDAR
783 m³
Parcel 23080B0096/00R003, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Specto.be
since 20182.278.302.940
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23080B0096/00R003 | Flanders | 1,124 m² | 1 · 144 m² | 8.3 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2023 list no shareholders, and no other source names one.
Holdings 1
-
25%
According to the 2023 annual accounts of Specto.be and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 413 EUR awarded · 413 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 248 EUR | 248 EUR |
| 2022 | 1 | 165 EUR | 165 EUR |
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Of 16,911 companies in sector 62100 we hold annual accounts for 8,786. 6,494 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
Founded09-07-2018
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
51100Air transport
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0699747607
Also
9925:BE0699747607
Registered
29-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.