Speech Craft
ActiveThe computed 12-month bankruptcy probability of Speech Craft is 2.6% (moderate). The 2025 annual accounts show equity of €18k and a net result of €18k. Its solvency ranks better than 47% of 6974 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency76
Growth-
Track record67
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.03; short-term debt: 49.2% and cash: 48% of total assets), and 49.2% 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+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
50.8%
Return on assets
50.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-12-2025, 43 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
43 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€18k
Total assets
€35k
Net result
€18k
Working capital
€18k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €35k
Equity
€18k
Debt
€17k
Debt finances 49.2% of the balance-sheet total.
Key figures and ratios
Solvency
50.8%
Current ratio
2.03
Quick ratio
2.03
Debt / equity
0.97
ROE
100.0%
ROA
50.8%
Debt
€17k
Debt ≤ 1 year
€17k
Income taxes
€7k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€35k
Current assets29/58€35k
Amounts receivable within one year40/41€18k
Trade receivables40€18k
Cash at bank and in hand54/58€17k
Deferred charges and accrued income490/1€91
Equity and liabilities
Total equity and liabilities10/49€35k
Equity10/15€18k
Contributions10/11€1
Reserves13€18k
Distributable reserves133€18k
Amounts payable17/49€17k
Amounts payable within one year42/48€17k
Trade debts44€101
Suppliers440/4€101
Taxes, remuneration and social security45€15k
Taxes450/3€15k
Other amounts payable47/48€2k
Income statement
Code2025
Gross operating margin9900€26k
Operating profit (loss)9901€26k
Financial charges65/66B€184
Recurring financial charges65€184
Profit (loss) for the period before taxes9903€25k
Income taxes67/77€7k
Profit (loss) for the period9904€18k
Profit (loss) for the period to be appropriated9905€18k
Appropriation of the result
Profit (loss) to be appropriated9906€18k
Transfer to equity691/2€18k
To other reserves6921€18k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Sint-Pieters-Woluwe · 1 establishment unit since 2024
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.
Vrijwilligerslaan 3251150 Sint-Pieters-WoluweGround area
1,012 m²
Building footprint
430 m²
Volume, LiDAR
7,277 m³
Parcel 21684B0068/00Y027, Brussels · tallest building 20.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Speech Craft
since 20242.360.756.702
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21684B0068/00Y027 | Brussels | 1,012 m² | 1 · 430 m² | 20.1 m · 6 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.
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Of 13,426 companies in sector 73300 we hold annual accounts for 6,900. 4,577 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-2024
Fiscal year end30-06
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.