SPEEDY
ActiveSPEEDY has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24k and a net result of €7k. Equity is shrinking by ~9% per year across the filed fiscal years. Its solvency ranks better than 81% of 13240 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-1
Solvency92▼-8
Growth32=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.65 against 0.45 in 2024; short-term debt: 33.1% and cash: 15.7% of total assets), and 33.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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
66.9%
Return on assets
18.9%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
29 d late
2022
on the day
2021
25 d late
2020
27 d late
2019
on the day
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€24k▼ 12.5%
2024 · €27k
2018: €36k
2019: €46k
2020: €38k
2021: €31k
2022: €32k
2023: €20k
2024: €27k
2018 → 2025
Total assets
€35k▲ 7.9%
2024 · €33k
2018: €49k
2019: €49k
2020: €43k
2021: €39k
2022: €39k
2023: €35k
2024: €33k
2018 → 2025
Net result
€7k▲ 3.4%
2024 · €6k
2018: €10k
2019: €10k
2020: €6k
2021: €7k
2022: €8k
2023: €6k
2024: €6k
2018 → 2025
Working capital
€-4k▼ 31.6%
2024 · €-3k
2018: €-8k
2019: €4k
2020: €-1k
2021: €-6k
2022: €-2k
2023: €-12k
2024: €-3k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€32k▲ 3.4%€20k▼ 36.6%€27k▲ 31.4%€24k▼ 12.5%
Operating result€10k-€11k▲ 12.7%€8k▼ 23.9%€9k▲ 6.1%€9k▲ 2.6%
Net result€7k-€8k▲ 12.8%€6k▼ 23.9%€6k▲ 4.8%€7k▲ 3.4%
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 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €35k
Fixed assets
€28k▼ 7.9%
Current assets
€8k▲ 194%
Equity and liabilities €35k
Equity
€24k▼ 12.5%
Debt
€12k▲ 105%
The debt ratio rises from 17.4% to 33.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€12k▲
2024 · €11k
Cash flow
€9k▲
2024 · €9k
Solvency
66.9%▼
2024 · 82.6%
Current ratio
0.65▲
2024 · 0.45
Quick ratio
0.65▲
2024 · 0.45
Debt / equity
0.49▲
2024 · 0.21
ROE
28.2%▲
2024 · 23.9%
ROA
18.9%▼
2024 · 19.7%
Interest coverage
128.02▲
2024 · 125.41
Debt
€12k▲
2024 · €6k
Debt ≤ 1 year
€12k▲
2024 · €6k
Income taxes
€2k▲
2024 · €2k
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€33k€35k▲
Fixed assets21/28€30k€28k▼
Tangible fixed assets22/27€30k€28k▼
Land and buildings22€30k€28k▼
Current assets29/58€3k€8k▲
Cash at bank and in hand54/58€595€6k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€33k€35k▲
Equity10/15€27k€24k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€6k€3k▼
Amounts payable17/49€6k€12k▲
Amounts payable within one year42/48€6k€12k▲
Trade debts44€672€1k▲
Suppliers440/4€672€1k▲
Taxes, remuneration and social security45€2k€8k▲
Taxes450/3€2k€8k▲
Other amounts payable47/48€3k€3k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€1k€1k▲
Gross operating margin9900€13k€13k▲
Operating profit (loss)9901€9k€9k▲
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€90€90=
Recurring financial charges65€90€90=
Profit (loss) for the period before taxes9903€9k€9k▲
Income taxes67/77€2k€2k▲
Profit (loss) for the period9904€6k€7k▲
Profit (loss) for the period to be appropriated9905€6k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€13k▲
Profit (loss) brought forward from the previous period14P-€6k
Profit to be distributed694/7-€10k
Return on contributions (dividend)694-€10k
The notes to these accounts (4 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Weakest financial yearnet €6k ▼37.5%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity times 6current ratio 2.27
Current ratio from 0.39 to 2.27; short-term debt falls from €13k to €3k.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Aalst · 1 establishment unit since 1994
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.
Borreput 289300 AalstGround area
1,818 m²
Building footprint
285 m²
Volume, LiDAR
1,388 m³
2 parcels, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vinkenlaan 21, 9320 Aalst
since 19942.068.317.637
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41014A0741/00B000 | Flanders | 1,189 m² | 1 · 193 m² | 8.5 m · 2 fl. |
| 41304F0255/00D000 | Flanders | 629 m² | 1 · 93 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 7,504 companies in sector 56210 we hold annual accounts for 2,444. 1,875 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded09-09-1994
Fiscal year end31-12
Activities, NACEBEL
55522
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.