SpeelYaal
ActiveSummary
SpeelYaal has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €87,996 and a net result of €45,953. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 50% of 1918 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability99▲+99
Solvency81▲+29
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity short (current ratio 0.52 against 0.28 in 2024; short-term debt: 43.7% and cash: 0.5% of total assets), and 43.7% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Computing infrastructure, data processing, hosting and other information service activities (NACE 63)
about 52% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
56.3%
Return on assets
29.4%
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 30-04-2026, 92 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
92 d early
2024
16 d early
2023
29 d late
2022
21 d early
2021
9 d early
2020
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 19 days before the deadline; the sector median for financial year 2024 is 10 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 15 July (4 of the last 5 filed years within 46 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€87,996▲ 109%
2024 · €42,043
Total assets
€156,422▲ 1.4%
2024 · €154,304
Net result
€45,953
2024 · -€73,197
Working capital
-€33,073▲ 59.0%
2024 · -€80,755
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 63, Computing infrastructure, data processing, hosting and other information service activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€33,590▼ 9.9%€145,660▲ 334%€114,048▼ 21.7%€1,295▼ 98.9%€55,633▲ 4,195%
Net result€23,437within the sector's middle half▼ 13.7%€111,757above the sector's middle half▲ 377%€86,483above the sector's middle half▼ 22.6%-€73,197below the sector's middle half€45,953within the sector's middle half
Equity€111,757within the sector's middle half€115,240within the sector's middle half▲ 3.1%€42,043within the sector's middle half▼ 63.5%€87,996within the sector's middle half▲ 109%
Total assets€69,120within the sector's middle half▼ 6.9%€172,274within the sector's middle half▲ 149%€210,798within the sector's middle half▲ 22.4%€154,304within the sector's middle half▼ 26.8%€156,422within the sector's middle half▲ 1.4%
Debt€69,120▲ 46.9%€60,517▼ 12.4%€95,558▲ 57.9%€112,261▲ 17.5%€68,427▼ 39.0%
Working capital-€27,783below the sector's middle half▼ 916%€85,240within the sector's middle half-€3,414below the sector's middle half-€80,755below the sector's middle half▼ 2,266%-€33,073below the sector's middle half▲ 59.0%
Solvency64.9%within the sector's middle half54.7%within the sector's middle half▼ 10.2pp27.2%within the sector's middle half▼ 27.4pp56.3%within the sector's middle half▲ 29.0pp
Current ratio0.60below the sector's middle half▼ 0.342.41within the sector's middle half▲ 1.810.96below the sector's middle half▼ 1.440.28below the sector's middle half▼ 0.690.52below the sector's middle half▲ 0.24
Return on assets (ROA)33.9%above the sector's middle half▼ 2.7pp64.9%above the sector's middle half▲ 31.0pp41.0%above the sector's middle half▼ 23.8pp-47.4%below the sector's middle half▼ 88.5pp29.4%within the sector's middle half▲ 76.8pp
above
within
below
the middle half (P25 to P75) of NACE 63, Computing infrastructure, data processing, hosting and other information service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 4,195% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €156,422
Fixed assets
€121,069 ▼ 1.8%
Current assets
€35,353 ▲ 13.9%
Equity and liabilities €156,422
Equity
€87,996 ▲ 109%
Debt
€68,427 ▼ 39.0%
Debt's share of the balance-sheet total falls from 72.8% to 43.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€58,229▲
2024 · €4,151
Cash flow
€48,550▲
2024 · -€70,342
Debt to equity
0.78▼
2024 · 2.67
ROE
52.2%▲
2024 · -174.1%
Interest coverage
5.93▲
2024 · 0.05
Debt ≤ 1 year
€68,427▼
2024 · €111,794
Income taxes
€251▲
2024 · €232
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €3,477 | €0 | - | - | - |
| Remuneration, social security and pensions62 | €1,302 | €695 | €106 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,121 | €1,858 | €1,172 | €2,856 | €2,597 | ▼ 9.1% |
| Other operating charges640/8 | €109 | €106 | €847 | €491 | €500 | ▲ 2.0% |
| Non-recurring operating charges66A | - | - | - | €5,147 | €0 | ▼ 100% |
| Gross operating margin9900 | €37,122 | €148,320 | €116,174 | €9,789 | €58,729 | ▲ 500% |
| Operating profit (loss)9901 | €33,590 | €145,660 | €114,048 | €1,295 | €55,633 | ▲ 4,195% |
| Financial income75/76B | €55 | €1,404 | €2,135 | €1,516 | €383 | ▼ 74.8% |
| Recurring financial income75 | €55 | €1,404 | €2,135 | €1,516 | €383 | ▼ 74.8% |
| Financial charges65/66B | €3,180 | €2,854 | €3,168 | €75,776 | €9,812 | ▼ 87.1% |
| Recurring financial charges65 | €3,180 | €2,854 | €3,168 | €75,776 | €9,812 | ▼ 87.1% |
| Profit (loss) for the period before taxes9903 | €30,466 | €144,210 | €113,015 | -€72,965 | €46,203 | ▲ 163% |
| Income taxes67/77 | €7,028 | €32,453 | €26,532 | €232 | €251 | ▲ 7.8% |
| Profit (loss) for the period9904 | €23,437 | €111,757 | €86,483 | -€73,197 | €45,953 | ▲ 163% |
| Profit (loss) for the period to be appropriated9905 | €23,437 | €111,757 | €86,483 | -€73,197 | €45,953 | ▲ 163% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €69,120 | €172,274 | €210,798 | €154,304 | €156,422 | ▲ 1.4% |
| Fixed assets21/28 | €27,783 | €26,516 | €118,654 | €123,265 | €121,069 | ▼ 1.8% |
| Intangible fixed assets21 | €21,242 | €20,874 | €106,945 | €119,191 | €119,053 | ▼ 0.1% |
| Tangible fixed assets22/27 | €1,394 | €495 | €6,562 | €4,074 | €2,016 | ▼ 50.5% |
| Plant, machinery and equipment23 | €82 | €0 | - | - | - | - |
| Furniture and vehicles24 | €1,311 | €495 | €6,562 | €4,074 | €2,016 | ▼ 50.5% |
| Financial fixed assets28 | €5,147 | €5,147 | €5,147 | €0 | - | - |
| Current assets29/58 | €41,337 | €145,758 | €92,144 | €31,039 | €35,353 | ▲ 13.9% |
| Amounts receivable after more than one year29 | - | €50,000 | €50,000 | €0 | - | - |
| Other amounts receivable291 | - | €50,000 | €50,000 | €0 | - | - |
| Amounts receivable within one year40/41 | €27,065 | €53,600 | €33,496 | €27,918 | €32,693 | ▲ 17.1% |
| Trade receivables40 | €27,058 | €51,746 | €20,177 | €20,550 | €21,002 | ▲ 2.2% |
| Other amounts receivable41 | €7 | €1,854 | €13,319 | €7,368 | €11,691 | ▲ 58.7% |
| Cash at bank and in hand54/58 | €12,452 | €37,472 | €6,565 | €407 | €719 | ▲ 76.6% |
| Deferred charges and accrued income490/1 | €1,820 | €4,686 | €2,082 | €2,714 | €1,941 | ▼ 28.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €69,120 | €172,274 | €210,798 | €154,304 | €156,422 | ▲ 1.4% |
| Equity10/15 | - | €111,757 | €115,240 | €42,043 | €87,996 | ▲ 109% |
| Reserves13 | - | €111,757 | €115,240 | €115,240 | €87,996 | ▼ 23.6% |
| Distributable reserves133 | - | €111,757 | €115,240 | €115,240 | €87,996 | ▼ 23.6% |
| Profit (loss) carried forward14 | - | €0 | €0 | -€73,197 | €0 | ▲ 100% |
| Amounts payable17/49 | €69,120 | €60,517 | €95,558 | €112,261 | €68,427 | ▼ 39.0% |
| Amounts payable within one year42/48 | €69,120 | €60,517 | €95,558 | €111,794 | €68,427 | ▼ 38.8% |
| Financial debts43 | €25,000 | €0 | €20,055 | €84,960 | €48,619 | ▼ 42.8% |
| Credit institutions430/8 | €25,000 | €0 | €20,055 | €84,960 | €48,619 | ▼ 42.8% |
| Trade debts44 | €537 | €4,109 | €0 | €1,883 | €2,019 | ▲ 7.2% |
| Suppliers440/4 | €537 | €4,109 | €0 | €1,883 | €2,019 | ▲ 7.2% |
| Taxes, remuneration and social security45 | €27,157 | €56,409 | €75,503 | €24,951 | €17,789 | ▼ 28.7% |
| Taxes450/3 | €27,157 | €56,409 | €75,503 | €21,451 | €17,789 | ▼ 17.1% |
| Remuneration and social security454/9 | - | - | - | €3,500 | €0 | ▼ 100% |
| Other amounts payable47/48 | €16,425 | €0 | - | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €467 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €23,437 | €111,757 | €86,483 | -€73,197 | €45,953 | ▲ 163% |
| + Depreciation and write-downs630 | €2,121 | €1,858 | €1,172 | €2,856 | €2,597 | ▼ 9.1% |
| Operating cash flow (approximation) | €25,558 | €113,615 | €87,656 | -€70,342 | €48,550 | ▲ 169% |
| Investment in fixed assets (approximation) | - | -€592 | -€93,310 | -€7,467 | -€400 | ▲ 94.6% |
| Change in cash | - | €25,020 | -€30,906 | -€6,158 | €312 | ▲ 105% |
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
16-06
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- General meeting, 04-05-2026
- Registered-office move, C-Mine 117 te 3600 Genk
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €45,953
Net result €45,953 after one loss-making year.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€73,197
Net result drops to -€73,197, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €111,757 ▲377%
Operating result €145,660, net result €111,757, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 2.41
Current ratio from 0.60 to 2.41; short-term debt falls from €69,120 to €60,517.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 1 of 4 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Genk · 1 establishment unit since 2019
Ground area
167 m²
Building footprint
64 m²
Volume, LiDAR
452 m³
Parcel 71307H0052/00N016, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
SpeelYaal
since 20192.292.266.287
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71307H0052/00N016 | Flanders | 167 m² | 1 · 64 m² | 9.2 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900JWZ1UGK3V56X79
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Of 2,723 companies in this sector we hold annual accounts for 1,274. 987 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded22-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
63100Computing infrastructure, data processing, hosting and related activities
62100Computer programming
62200Computer consultancy and computer facilities management
74201Photography, excluding press photography
Contact
E-mail
ashok@speelyaal.comGenk
E-invoicing
Reachable via Peppol
Peppol ID
0208:0730916378
Also
9925:BE0730916378
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.