Financials
- Fiscal year
- 2025
- Total assets
- €52,368
- Profit
- €23,672
- Solvency
- 55.1%
Total assets▲ 92.9%
Net result
20222025
SPED PARTNERS
ActiveSummary
SPED PARTNERS has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28,857 and a net result of €23,672. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 49% of 34931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Overview
What they do
Business and other management consultancy
NACE 70200Business consulting NACE 70220
1 site
How big
€52,368total assets 2025
- Equity
- €28,857
- Profit
- €23,672
Turnover not published (abridged schema)
Who decides
Accounts 113 d early0 of 2 deeds read
Why 96- 1 change of registered office in 24 months+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Liquidity: current ratio 1.92, cash €36,764+ Size: total assets €52,368Show the evidence
Checked score
Score 2025
96
/ 100
Excellent
Probability in this band: under 0.55%
Better than 68% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
80-20
equity 55.1% of total assets
Liquidity
78-21
short-term debt 44.9% · cash 70.2%
Profitability
100+99
return on assets 45.2%
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
- Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
- Liquidity: current ratio 1.92, cash €36,764 lowers the probability
- 1 change of registered office in 24 months raises the probability
- Size: total assets €52,368 lowers the probability for this profile
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 1.92 against 9.15 in 2024; short-term debt: 44.9% and cash: 70.2% of total assets), and 44.9% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 50%, liquidity 70%, profitability 85%, growth against the median 66%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 09-04-2026, 113 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
113 d early
2024
26 d late
2023
27 d late
2022
16 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 11 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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. Usually files around 21 August (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Back to profitnet €23,672
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 7
- Since
- 2023
- Next accounts
- by 31-07-2027
- 09-04-2026Annual accounts filed
- 31-12-2025Back to profit
- 26-08-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Business and other management consultancyNACE 70200
- Founded
- 16-08-2022
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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