SpectralBot
ActiveSummary
The computed 12-month bankruptcy probability of SpectralBot is 2.3% (moderate). The annual accounts of SpectralBot for fiscal year 2025 show a net loss of 71% of total assets and of 63% of the equity at the start of that year. The 2025 annual accounts show equity of €192k and a net result of €-331k. Equity is growing by ~57.6% per year across the filed fiscal years. Its solvency ranks better than 54% of 10407 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-10
Solvency66▼-34
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.15 against 5.16 in 2024; short-term debt: 48% and cash: 2.8% of total assets), and 58.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
41.2%
Return on assets
-70.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
232425
2023 to 2025 · latest year €-331k
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 15-07-2026, 16 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
16 d early
2024
16 d early
2023
6 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
Equity
€192k▼ 63.2%
2024 · €523k
2023: €-29klowest in 3 years
2024: €523k▲ +1880% vs 2023highest in 3 years
2025: €192k▼ -63.2% vs 2024
2023 → 2025
Total assets
€467k▼ 32.3%
2024 · €690k
2023: €207klowest in 3 years
2024: €690k▲ +233% vs 2023highest in 3 years
2025: €467k▼ -32.3% vs 2024
2023 → 2025
Net result
€-331k▼ 599%
2024 · €-47k
2023: €-49k
2024: €-47k▲ +4.2% vs 2023highest in 3 years
2025: €-331k▼ -599% vs 2024lowest in 3 years
2023 → 2025
Working capital
€-191k
2024 · €377k
2023: €3k
2024: €377k▲ +14898% vs 2023highest in 3 years
2025: €-191k▼ -151% vs 2024lowest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-29k-€523k€192k▼ 63.2%
2023: €-29klowest in 3 years
2024: €523k▲ +1880% vs 2023highest in 3 years
2025: €192k▼ -63.2% vs 2024
Operating result€-47k-€-42k▲ 11.2%€-321k▼ 666%
2023: €-47k
2024: €-42k▲ +11.2% vs 2023highest in 3 years
2025: €-321k▼ -666% vs 2024lowest in 3 years
Net result€-49k-€-47k▲ 4.2%€-331k▼ 599%
2023: €-49k
2024: €-47k▲ +4.2% vs 2023highest in 3 years
2025: €-331k▼ -599% vs 2024lowest in 3 years
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €321k in 2025 against €42k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €454k
Fixed assets
€421k ▲ 104%
Current assets
€33k ▼ 92.9%
Equity and liabilities €467k
Equity
€192k ▼ 63.2%
Debt
€275k ▲ 64.9%
Debt's share of the balance-sheet total rises from 24.1% to 58.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-267k▼
2024 · €-20k
Cash flow
€-276k▼
2024 · €-25k
Current ratio
0.15▼
2024 · 5.16
Debt to equity
1.43▲
2024 · 0.32
ROE
-172.0%▼
2024 · -9.0%
ROA
-70.9%▼
2024 · -6.9%
Interest coverage
-30.08▼
2024 · -3.99
Debt ≤ 1 year
€224k▲
2024 · €90k
Debt > 1 year
€49k▼
2024 · €73k
Income taxes
€692▲
2024 · €305
Staff costs
€278k▲
2024 · €121k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€690k€467k▼
Formation expenses20€16k€12k▼
Fixed assets21/28€206k€421k▲
Intangible fixed assets21€191k€402k▲
Tangible fixed assets22/27€15k€19k▲
Furniture and vehicles24€15k€19k▲
Current assets29/58€467k€33k▼
Amounts receivable within one year40/41€85k€17k▼
Trade receivables40€8k€6k▼
Other amounts receivable41€78k€11k▼
Cash at bank and in hand54/58€379k€13k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€690k€467k▼
Equity10/15€523k€192k▼
Contributions10/11€620k€620k=
Profit (loss) carried forward14€-97k€-428k▼
Amounts payable17/49€166k€275k▲
Amounts payable after more than one year17€73k€49k▼
Financial debts170/4€55k€39k▼
Other amounts payable178/9€18k€10k▼
Amounts payable within one year42/48€90k€224k▲
Current portion of amounts payable after more than one year42€26k€26k▲
Financial debts43€2k€2k▼
Credit institutions430/8€2k€2k▼
Trade debts44€27k€64k▲
Suppliers440/4€27k€64k▲
Advances received on contracts in progress46-€50k
Taxes, remuneration and social security45€16k€36k▲
Taxes450/3€495€1k▲
Remuneration and social security454/9€16k€35k▲
Other amounts payable47/48€19k€46k▲
Accrued charges and deferred income492/3€3k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€121k€278k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€55k▲
Other operating charges640/8€614€528▼
Gross operating margin9900€102k€12k▼
Operating profit (loss)9901€-42k€-321k▼
Financial income75/76B€0€37▲
Recurring financial income75€0€37▲
Financial charges65/66B€5k€9k▲
Recurring financial charges65€5k€9k▲
Profit (loss) for the period before taxes9903€-47k€-330k▼
Income taxes67/77€305€692▲
Profit (loss) for the period9904€-47k€-331k▼
Profit (loss) for the period to be appropriated9905€-47k€-331k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-97k€-428k▼
Profit (loss) brought forward from the previous period14P€-49k€-97k▼
Social balance
Average headcount (FTE)90873.45.3▲
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €71k | €121k | €278k | ▲ 129% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €22k | €55k | ▲ 150% |
| Other operating charges640/8 | €912 | €614 | €528 | ▼ 14.1% |
| Gross operating margin9900 | €28k | €102k | €12k | ▼ 88.6% |
| Operating profit (loss)9901 | €-47k | €-42k | €-321k | ▼ 666% |
| Financial income75/76B | €113 | €0 | €37 | ▲ 365,300% |
| Recurring financial income75 | €113 | €0 | €37 | ▲ 365,300% |
| Financial charges65/66B | €2k | €5k | €9k | ▲ 76.2% |
| Recurring financial charges65 | €2k | €5k | €9k | ▲ 76.2% |
| Profit (loss) for the period before taxes9903 | €-49k | €-47k | €-330k | ▼ 602% |
| Income taxes67/77 | €190 | €305 | €692 | ▲ 127% |
| Profit (loss) for the period9904 | €-49k | €-47k | €-331k | ▼ 599% |
| Profit (loss) for the period to be appropriated9905 | €-49k | €-47k | €-331k | ▼ 599% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €207k | €690k | €467k | ▼ 32.3% |
| Formation expenses20 | €3k | €16k | €12k | ▼ 23.4% |
| Fixed assets21/28 | €82k | €206k | €421k | ▲ 104% |
| Intangible fixed assets21 | €70k | €191k | €402k | ▲ 111% |
| Tangible fixed assets22/27 | €12k | €15k | €19k | ▲ 24.6% |
| Furniture and vehicles24 | €12k | €15k | €19k | ▲ 24.6% |
| Current assets29/58 | €122k | €467k | €33k | ▼ 92.9% |
| Amounts receivable within one year40/41 | €25k | €85k | €17k | ▼ 79.6% |
| Trade receivables40 | - | €8k | €6k | ▼ 23.3% |
| Other amounts receivable41 | €25k | €78k | €11k | ▼ 85.3% |
| Cash at bank and in hand54/58 | €97k | €379k | €13k | ▼ 96.5% |
| Deferred charges and accrued income490/1 | €220 | €3k | €3k | ▲ 0.8% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €207k | €690k | €467k | ▼ 32.3% |
| Equity10/15 | €-29k | €523k | €192k | ▼ 63.2% |
| Contributions10/11 | €20k | €620k | €620k | = |
| Profit (loss) carried forward14 | €-49k | €-97k | €-428k | ▼ 342% |
| Amounts payable17/49 | €236k | €166k | €275k | ▲ 64.9% |
| Amounts payable after more than one year17 | €104k | €73k | €49k | ▼ 33.3% |
| Financial debts170/4 | €70k | €55k | €39k | ▼ 28.9% |
| Other amounts payable178/9 | €34k | €18k | €10k | ▼ 46.6% |
| Amounts payable within one year42/48 | €120k | €90k | €224k | ▲ 148% |
| Current portion of amounts payable after more than one year42 | €15k | €26k | €26k | ▲ 2.5% |
| Financial debts43 | €556 | €2k | €2k | ▼ 32.2% |
| Credit institutions430/8 | €556 | €2k | €2k | ▼ 32.2% |
| Trade debts44 | €33k | €27k | €64k | ▲ 139% |
| Suppliers440/4 | €33k | €27k | €64k | ▲ 139% |
| Advances received on contracts in progress46 | - | - | €50k | - |
| Taxes, remuneration and social security45 | €17k | €16k | €36k | ▲ 122% |
| Taxes450/3 | €551 | €495 | €1k | ▲ 102% |
| Remuneration and social security454/9 | €17k | €16k | €35k | ▲ 123% |
| Other amounts payable47/48 | €54k | €19k | €46k | ▲ 139% |
| Accrued charges and deferred income492/3 | €13k | €3k | €1k | ▼ 52.1% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €-49k | €-47k | €-331k | ▼ 599% |
| + Depreciation and write-downs630 | €4k | €22k | €55k | ▲ 150% |
| Operating cash flow (approximation) | €-45k | €-25k | €-276k | ▼ 986% |
| Investment in fixed assets (approximation) | - | €-147k | €-270k | ▼ 83.8% |
| Change in cash | - | €282k | €-366k | ▼ 230% |
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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-331k
Net result drops to €-331k, the lowest in the series.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity times 5current ratio 5.16
Current ratio from 1.02 to 5.16; short-term debt falls from €120k to €90k.
31-12
Financial
Equity above €500kEq €523k
Equity rises from €-29k to €523k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
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, Brugge · 1 establishment unit since 2022
Ground area
1,134 m²
Building footprint
331 m²
Volume, LiDAR
1,760 m³
Parcel 31030A0423/00A007, Flanders · tallest building 5.6 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
SpectralBot
since 20222.335.067.736
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31030A0423/00A007 | Flanders | 1,134 m² | 1 · 331 m² | 5.6 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 5 entries · 22,550 EUR awarded · 22,550 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 2,050 EUR | 12,300 EUR |
| 2024 | 1 | 0 EUR | 10,250 EUR |
| 2023 | 1 | 20,500 EUR | 0 EUR |
Schemes
Kmo-groeisubsidie: steun voor groeitrajecten bij kmo's (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
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PRO-BUREAU DIDIER
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ALDER IT
BE 0883.271.013
Braine-le-Comte · Eq €192,986
DIGIWARE
BE 0665.751.283
Oostende · Eq €193,722
ZEUS SOFT
BE 0647.962.374
Gembloux · Eq €193,803
Of 3,225 companies in sector 47400 we hold annual accounts for 1,807. 1,360 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
Founded07-09-2022
Fiscal year end31-12
Activities, NACEBEL 2025
47400Retail sale of information and communication equipment
62100Computer programming
46500Wholesale of information and communication equipment
58290Other software publishing
62200Computer consultancy and computer facilities management
82990Other business support services
85599Other education
Scores and ratios are computed by Checked and are not a credit decision.