Spectra
ActiveSpectra has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €43k. Equity is growing by ~21% per year across the filed fiscal years. Its solvency ranks better than 41% of 9450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▼-1
Solvency70▲+11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.38 against 1.43 in 2024; short-term debt: 55.4% and cash: 31.6% of total assets), and 55.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
44.6%
Return on assets
20.9%
Age of the figures
9 mo
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 05-07-2026, 26 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
26 d early
2024
41 d early
2023
50 d early
2022
on the day
2021
5 d early
2020
3 d early
2019
2 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€91k▲ 88.3%
2024 · €49k
2019: €9k
2020: €15k
2021: €24k
2022: €46k
2023: €41k
2024: €49k
2019 → 2025
Total assets
€205k▲ 41.8%
2024 · €145k
2019: €57k
2020: €40k
2021: €40k
2022: €66k
2023: €62k
2024: €145k
2019 → 2025
Net result
€43k▲ 36.2%
2024 · €31k
2019: €8k
2020: €6k
2021: €9k
2022: €21k
2023: €-4k
2024: €31k
2019 → 2025
Working capital
€44k▲ 4.6%
2024 · €42k
2019: €9k
2020: €15k
2021: €19k
2022: €41k
2023: €38k
2024: €42k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€46k▲ 87.5%€41k▼ 9.8%€49k▲ 18.2%€91k▲ 88.3%
Operating result€13k-€29k▲ 132%€-4k€42k€64k▲ 52.3%
Net result€9k-€21k▲ 134%€-4k€31k€43k▲ 36.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 52% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €205k
Fixed assets
€48k▲ 594%
Current assets
€157k▲ 14.2%
Equity and liabilities €205k
Equity
€91k▲ 88.3%
Debt
€114k▲ 18.3%
The debt ratio falls from 66.4% to 55.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€71k▲
2024 · €43k
Cash flow
€50k▲
2024 · €33k
Solvency
44.6%▲
2024 · 33.6%
Current ratio
1.38▼
2024 · 1.43
Quick ratio
1.38▼
2024 · 1.43
Debt / equity
1.24▼
2024 · 1.98
ROE
46.9%▼
2024 · 64.8%
ROA
20.9%▼
2024 · 21.7%
Interest coverage
184.44▲
2024 · 133.16
Debt
€114k▲
2024 · €96k
Debt ≤ 1 year
€114k▲
2024 · €96k
Income taxes
€21k▲
2024 · €10k
Staff costs
€227k▲
2024 · €5k
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€145k€205k▲
Fixed assets21/28€7k€48k▲
Tangible fixed assets22/27€7k€48k▲
Plant, machinery and equipment23€4k€37k▲
Furniture and vehicles24€3k€11k▲
Current assets29/58€138k€157k▲
Amounts receivable within one year40/41€105k€91k▼
Trade receivables40€100k€24k▼
Other amounts receivable41€5k€67k▲
Cash at bank and in hand54/58€33k€65k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€145k€205k▲
Equity10/15€49k€91k▲
Contributions10/11€6k€6k=
Reserves13€42k€85k▲
Distributable reserves133€42k€85k▲
Amounts payable17/49€96k€114k▲
Amounts payable within one year42/48€96k€114k▲
Trade debts44€50k€54k▲
Suppliers440/4€50k€54k▲
Advances received on contracts in progress46€2k€605▼
Taxes, remuneration and social security45€12k€34k▲
Taxes450/3€10k€12k▲
Remuneration and social security454/9€2k€21k▲
Other amounts payable47/48€32k€25k▼
Income statement
Code20242025
Remuneration, social security and pensions62€5k€227k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€7k▲
Other operating charges640/8€1k€544▼
Gross operating margin9900€49k€299k▲
Operating profit (loss)9901€42k€64k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€323€387▲
Recurring financial charges65€323€387▲
Profit (loss) for the period before taxes9903€42k€64k▲
Income taxes67/77€10k€21k▲
Profit (loss) for the period9904€31k€43k▲
Profit (loss) for the period to be appropriated9905€31k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€43k▲
Profit (loss) brought forward from the previous period14P€-4k-
Transfer from equity791/2€24k-
Transfer to equity691/2€27k€43k▲
To other reserves6921€27k€43k▲
Profit to be distributed694/7€24k-
Return on contributions (dividend)694€24k-
The notes to these accounts (5 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
05-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €43k ▲36.2%
Operating result €64k, net result €43k, both a record.
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
2023
12-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €-4k ▼121%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
24-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
19-12
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Gent · 1 establishment unit since 2016
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.
Brusselsesteenweg 5099050 GentGround area
233 m²
Building footprint
73 m²
Volume, LiDAR
752 m³
Parcel 44362B0205/00T000, Flanders · tallest building 12.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Spectra
since 20162.252.914.179
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44362B0205/00T000 | Flanders | 233 m² | 1 · 73 m² | 12.9 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 5,556 EUR awarded · 3,339 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 5,556 EUR | 3,339 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,554 companies in sector 71121 we hold annual accounts for 6,562. 5,216 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-04-2016
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
71121Engineering and related technical consultancy, excluding land surveyors
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.bureauspectra.be
E-mail:info@bureauspectra.be