SPEEDY SERVICES
ActiveThe computed 12-month bankruptcy probability of SPEEDY SERVICES is 3.2% (moderate). The annual accounts of SPEEDY SERVICES for fiscal year 2025 show a net loss of 90% of the equity at the start of that year. The 2025 annual accounts show equity of €875 and a net result of €-7k. Its solvency ranks better than 12% of 721 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
23
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-89
Solvency27▼-16
Growth55
Track record82
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.64 against 1.88 in 2024; short-term debt: 97.9% and cash: 2.5% of total assets), and 97.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 52
Relative position
BE, all sectors
reference
Sector 52
higher
← 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
2.1%
Return on assets
-17.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 721 sector peers (2025).
NBB · sector comparisonPosition among 721 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
31 d late
2024
1 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, abbreviated schema
Turnover
€53k▲ 52.0%
2024 · €35k
2024: €35k
2024 → 2025
EBIT margin
-13.9%▼ 33.3pp
2024 · 19.5%
2024: 19.5%
2024 → 2025
Net result
€-7k
2024 · €5k
2024: €5k
2024 → 2025
Working capital
€-15k
2024 · €18k
2024: €18k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Turnover€35k-€53k▲ 52.0%
Equity€8k-€875▼ 89.5%
Operating result€7k-€-7k
Net result€5k-€-7k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €7k after €7k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €43k
Fixed assets
€16k▲ 159%
Current assets
€26k▼ 32.1%
Equity and liabilities €43k
Equity
€875▼ 89.5%
Debt
€42k▲ 13.2%
The debt ratio rises from 81.5% to 97.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-7k▼
2024 · €7k
Cash flow
€-7k▼
2024 · €6k
Solvency
2.1%▼
2024 · 18.5%
Current ratio
0.64▼
2024 · 1.88
Quick ratio
0.64▼
2024 · 1.88
ROA
-17.6%▼
2024 · 11.8%
Interest coverage
-87.51▼
2024 · 282.11
Debt
€42k▲
2024 · €37k
Debt ≤ 1 year
€42k▲
2024 · €21k
Equity ratios withheld: equity of €875 is too small for a meaningful ratio.
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€45k€43k▼
Fixed assets21/28€6k€16k▲
Tangible fixed assets22/27€6k€16k▲
Furniture and vehicles24€6k€16k▲
Financial fixed assets28€250-
Current assets29/58€39k€26k▼
Amounts receivable within one year40/41€37k€23k▼
Trade receivables40€34k€22k▼
Other amounts receivable41€3k€562▼
Cash at bank and in hand54/58€1k€1k▼
Deferred charges and accrued income490/1€497€3k▲
Equity and liabilities
Total equity and liabilities10/49€45k€43k▼
Equity10/15€8k€875▼
Contributions10/11€3k€3k=
Outside capital11€3k€3k=
Share premium1100/10€3k€3k=
Profit (loss) carried forward14€5k€-2k▼
Amounts payable17/49€37k€42k▲
Amounts payable within one year42/48€21k€42k▲
Trade debts44€1k€16k▲
Suppliers440/4€1k€16k▲
Advances received on contracts in progress46-€10k
Taxes, remuneration and social security45€1k€1k=
Taxes450/3€1k€1k=
Other amounts payable47/48€18k€14k▼
Accrued charges and deferred income492/3€16k-
Income statement
Code20242025
Turnover70€35k€53k▲
Goods, raw materials, services and sundry goods60/61€28k€54k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€226€838▲
Other operating charges640/8€427€999▲
Non-recurring operating charges66A-€4k
Gross operating margin9900€7k€-1k▼
Operating profit (loss)9901€7k€-7k▼
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€25€75▲
Recurring financial charges65€25€75▲
Profit (loss) for the period before taxes9903€7k€-7k▼
Income taxes67/77€1k-
Profit (loss) for the period9904€5k€-7k▼
Profit (loss) for the period to be appropriated9905€5k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€-2k▼
Profit (loss) brought forward from the previous period14P-€5k
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated 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, Beersel · 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.
Jozef Huysmanslaan 651651 BeerselGround area
6.1 ha
Building footprint
378 m²
Volume, LiDAR
3,288 m³
2 parcels, Brussels, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SPEEDY SERVICES
since 20242.366.775.254
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23046C0246/00F002 | Flanders | 6.1 ha | 1 · 378 m² | 11.2 m · 3 fl. |
| 21007A0021/00T002 | Brussels | 98 m² | - | - |
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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MILLENIUM CUSTOMS AGENCY
BE 1021.622.311
Arlon · Eq €923
SAYRI
BE 0824.263.240
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RY.RE COMPANY
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Ternat · Eq €1k
Of 1,725 companies in sector 52210 we hold annual accounts for 771. 64 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-07-2024
Fiscal year end31-12
Activities, NACEBEL
52210Service activities incidental to land transportation
43222Installation of electric heating, air conditioning, cooling and ventilation
47811Retail sale of cars and light vans (up to 3.5 tonnes)
49330On-demand passenger transport by chauffeured vehicle
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.