SPEI
ActiveSummary
SPEI has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4,556 and a net result of -€787. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 95% of 2704 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-61
Solvency100=
Growth24▼-12
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
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Signals
Five 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
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 2025Age of the figures
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
31 d early
2023
27 d early
2022
31 d early
2021
31 d early
2020
31 d early
2019
28 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 30 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
€1,320▼ 53.7%
2024 · €2,850
EBIT margin
-59.6%▼ 57.9pp
2024 · -1.7%
Net result
-€787▼ 815%
2024 · -€86
Working capital
€4,011▼ 11.4%
2024 · €4,525
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€2,820▼ 18.8%€3,460▲ 22.7%€2,370▼ 31.5%€2,850▲ 20.3%€1,320▼ 53.7%
Operating result-€756€423€92▼ 78.3%-€48-€787▼ 1,540%
Net result-€911€375€45▼ 88.0%-€86-€787▼ 815%
EBIT margin-26.8%▼ 30.9pp12.2%▲ 39.0pp3.9%▼ 8.3pp-1.7%▼ 5.6pp-59.6%▼ 57.9pp
Equity€5,009▼ 15.4%€5,384▲ 7.5%€5,429▲ 0.8%€5,343▼ 1.6%€4,556▼ 14.7%
Total assets€5,724▼ 10.9%€5,793▲ 1.2%€5,580▼ 3.7%€5,471▼ 2.0%€4,670▼ 14.6%
Debt€715▲ 41.9%€409▼ 42.8%€151▼ 63.1%€128▼ 15.2%€114▼ 10.9%
Working capital€5,009▼ 15.4%€5,384▲ 7.5%€5,429▲ 0.8%€4,525▼ 16.7%€4,011▼ 11.4%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €787 in 2025 against €48 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4,670
Fixed assets
€545 ▼ 33.4%
Current assets
€4,125 ▼ 11.3%
Equity and liabilities €4,670
Equity
€4,556 ▼ 14.7%
Debt
€114 ▼ 10.9%
Debt's share of the balance-sheet total rises from 2.3% to 2.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€514▼
2024 · €225
Cash flow
-€514▼
2024 · €187
Debt ≤ 1 year
€114▼
2024 · €128
Ratios withheld: a balance sheet total of €4,670 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,815 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 88% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.9%
went bankrupt
9.9%
stopped otherwise
88%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 4,815 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 |
|---|---|---|---|---|---|---|
| Turnover70 | €2,820 | €3,460 | €2,370 | €2,850 | €1,320 | ▼ 53.7% |
| Goods, raw materials, services and sundry goods60/61 | €3,576 | €3,037 | €1,928 | €2,625 | €1,834 | ▼ 30.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | €273 | €273 | = |
| Other operating charges640/8 | - | - | €350 | - | - | - |
| Gross operating margin9900 | -€756 | €423 | €442 | €225 | -€514 | ▼ 328% |
| Operating profit (loss)9901 | -€756 | €423 | €92 | -€48 | -€787 | ▼ 1,540% |
| Financial charges65/66B | €155 | €48 | €47 | €38 | - | - |
| Recurring financial charges65 | €155 | €48 | €47 | €38 | - | - |
| Profit (loss) for the period before taxes9903 | -€911 | €375 | €45 | -€86 | -€787 | ▼ 815% |
| Profit (loss) for the period9904 | -€911 | €375 | €45 | -€86 | -€787 | ▼ 815% |
| Profit (loss) for the period to be appropriated9905 | -€911 | €375 | €45 | -€86 | -€787 | ▼ 815% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5,724 | €5,793 | €5,580 | €5,471 | €4,670 | ▼ 14.6% |
| Fixed assets21/28 | - | - | - | €818 | €545 | ▼ 33.4% |
| Tangible fixed assets22/27 | - | - | - | €818 | €545 | ▼ 33.4% |
| Furniture and vehicles24 | - | - | - | €818 | €545 | ▼ 33.4% |
| Current assets29/58 | €5,724 | €5,793 | €5,580 | €4,653 | €4,125 | ▼ 11.3% |
| Amounts receivable after more than one year29 | - | - | €3,434 | - | - | - |
| Other amounts receivable291 | - | - | €3,434 | - | - | - |
| Amounts receivable within one year40/41 | €4,152 | €3,285 | - | €3,329 | €3,725 | ▲ 11.9% |
| Trade receivables40 | €1,399 | €700 | - | €690 | €690 | = |
| Other amounts receivable41 | €2,753 | €2,585 | - | €2,639 | €3,035 | ▲ 15.0% |
| Cash at bank and in hand54/58 | €1,572 | €2,508 | €2,146 | €1,324 | €400 | ▼ 69.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5,724 | €5,793 | €5,580 | €5,471 | €4,670 | ▼ 14.6% |
| Equity10/15 | €5,009 | €5,384 | €5,429 | €5,343 | €4,556 | ▼ 14.7% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Issued capital100 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | -€13,591 | -€13,216 | -€13,171 | -€13,257 | -€14,044 | ▼ 5.9% |
| Amounts payable17/49 | €715 | €409 | €151 | €128 | €114 | ▼ 10.9% |
| Amounts payable within one year42/48 | €715 | €409 | €151 | €128 | €114 | ▼ 10.9% |
| Trade debts44 | €715 | €409 | €151 | €128 | €114 | ▼ 10.9% |
| Suppliers440/4 | €715 | €409 | €151 | €128 | €114 | ▼ 10.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€911 | €375 | €45 | -€86 | -€787 | ▼ 815% |
| + Depreciation and write-downs630 | - | - | - | €273 | €273 | = |
| Operating cash flow (approximation) | -€911 | €375 | €45 | €187 | -€514 | ▼ 375% |
| Investment in fixed assets (approximation) | - | - | - | - | €0 | - |
| Change in cash | - | €936 | -€362 | -€822 | -€924 | ▼ 12.4% |
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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 36.95
Current ratio from 14.16 to 36.95; short-term debt falls from €409 to €151.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €375
Net result €375 after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet -€911
Net result drops to -€911, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
29-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Tintigny · 1 establishment unit since 2007
Ground area
606 m²
Building footprint
191 m²
Volume, LiDAR
1,148 m³
2 parcels, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SPEI
since 20072.164.032.386
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85039B0170/02B000 | Wallonia | 321 m² | 1 · 89 m² | 6.9 m · 2 fl. |
| 53019C0524/00V000 | Wallonia | 285 m² | 1 · 102 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
CONSULT HABIB
BE 0805.346.854
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MOOBYTES
BE 0727.946.792
Anderlecht · Eq €4,558
JWBO
BE 0736.607.310
Herent · Eq €4,544
OPEN-RAXIT
BE 0462.401.473
Diest · Eq €4,541
Support Your Business
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Gent · Eq €4,534
Of 30,007 companies in sector 62200 we hold annual accounts for 18,396. 5,718 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded15-06-2007
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
47400Retail sale of information and communication equipment
E-invoicing
Reachable via Peppol
Peppol ID
0208:0890114857
Also
9925:BE0890114857
Registered
23-01-2026
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.