Equity
€77,059 ▼ 54.0%
SPEQTRA paid out €98,476 in dividends. That is 1,223% of the 2025 profit.
SPEQTRA
Lifetime
7 annual accounts with figures on one time axispeak €149,070 (2024)
€139,174▼ 6.6%
peak €42,243 (2019)
€8,054▼ 80.7%
peak €167,481 (2024)
€77,059▼ 54.0%
€565,790▲ 12.5%
peak 1 FTE (2020)
-not published
Board1 name since 2019
1 directorRAES Robbe
Documentsfilings and deeds
19-08-202619 days late
2025micro format
Result from €41,694 to €8,054Dividend €98,476Equity from €167,481 to €77,059Cash from €9,544 to €39,693
Key points
from the 2025 annual accountsTurnover
≈ €240,000 estimated
The micro format states no turnover.
Debts
€565,790 88% of the balance sheet
Financial debts 85%Suppliers 0%Taxes and wages 4%Other 10%
Of this, €84,737 falls due within a year.
Liquidity
1.24 was 1.95 in 2024
Short-term debts rose from €58,433 to €84,737.
Filings
7 annual accounts 6 late
The 2023 accounts came latest: 84 days after the end of the period.
Position in the sector
12.0%
Lower solvency than 82% of companies in head offices and management consultancy. Sector median 55.5% · 39,364 companies.
Checked score
83
Excellent
Financially stronger than 26% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.8%
01-2025: 0.8%● unchanged vs 12-2024
02-2025: 0.8%● unchanged vs 01-2025
03-2025: 0.8%● unchanged vs 02-2025
04-2025: 0.9%▲ +0.1 percentage points vs 03-2025
05-2025: 0.5%▼ -0.4 percentage points vs 04-2025
06-2025: 0.5%● unchanged vs 05-2025
07-2025: 0.5%● unchanged vs 06-2025
08-2025: 0.9%▲ +0.4 percentage points vs 07-2025
09-2025: 1.1%▲ +0.2 percentage points vs 08-2025
10-2025: 1.7%▲ +0.6 percentage points vs 09-2025highest value
11-2025: 0.5%▼ -1.2 percentage points vs 10-2025
12-2025: 0.5%● unchanged vs 11-2025
01-2026: 0.5%● unchanged vs 12-2025
02-2026: 0.5%● unchanged vs 01-2026
03-2026: 0.5%● unchanged vs 02-2026
04-2026: 0.5%● unchanged vs 03-2026
05-2026: 0.6%▲ +0.1 percentage points vs 04-2026
06-2026: 0.6%● unchanged vs 05-2026
07-2026: 0.6%● unchanged vs 06-2026
08-2026: 0.9%▲ +0.3 percentage points vs 07-2026
09-2026: 0.3%▼ -0.6 percentage points vs 08-2026lowest value
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 19 days late; 2 of the last 3 accounts late
Equity €77,059 (12.0% of total assets)
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Size: total assets €642,850
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 18% of them on solvency, 46% on liquidity, 27% on profitability and 12% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,274 companies had the same profile as SPEQTRA has now. Each dot stands for 9 companies, two years later.
94.7%
were still trading
2.5%
stopped another way
2.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SPEQTRA itself is lower: 0.3% within 12 months. It rests on far more data about SPEQTRA than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,274 companies, not a prediction for SPEQTRA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.24 (1.95 in 2024), below the usual 1.5. Short-term debt is 13.2% and cash 6.2% of total assets. 88% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 39364 sector peers (2025).
NBB · sector comparisonPosition among 39364 sector peers
Solvency
better than 18%
← weakest
strongest →
raises risk · 2025 accounts filed 19 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 7 filingsDeviation from the deadline
2025
19 days late
2024
76 days late
2023
84 days late
2022
32 days late
2021
30 days late
2020
47 days late
2019
2 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 41 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 September (4 of the last 5 accounts filed within 44 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0720850550
Registered office moved to Hamme
New registered office: Neerlandt 12 Bus:A, 9220 Hamme, België · Board meeting of 08-08-2022 · Gazette deed
Environmental permit granted
Bouwen of herbouwen, Nieuwbouw van bijgebouwen en niet overdekte lage constructie · Hamme
Legal-form change · Resignations & appointments
Resignation: Robbe RAES (manager) · Reappointment: Robbe RAES (director) · Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 14-06-2019 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SPEQTRA Hamme (Vl.) | €642,850 | €139,174 | 12.0% | - |
| THING Ghent | €670,394 | €140,998 | 64.2% | - |
| 4D&S Ghent | €609,643 | €152,295 | 49.5% | - |
| WL LOGIX Sint-Niklaas | €549,097 | €137,386 | 21.1% | - |
| GWS Consulting Lokeren | €572,626 | €140,753 | 48.0% | - |
| Osti Ghent | €559,396 | €141,580 | 23.1% | - |
| On a Mission Ghent | €572,533 | €127,445 | 49.8% | 0 |
These companies have the same main activity as SPEQTRA: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €549,000 and €670,000, founded between 2018 and 2019.
Official details
Source: KBO- Status
- Active since 18-02-2019Normal situation
- Activity
- Business and other management consultancyNACE 70200and 10 others
- Establishment unit
- 2.291.305.6909220 Hamme (Vl.), since 18-02-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 19-10-2025
Insights on SPEQTRA
SPEQTRA files the micro format. That format states no turnover. The gross margin rose from €60,435 in 2019 to €139,174 in 2025.
The balance sheet grew most from 2020 to 2022 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SPEQTRA
- What is the company number of SPEQTRA?
- The company number of SPEQTRA is 0720.850.550. The VAT number is the same number with BE in front: BE 0720.850.550.
- Where is SPEQTRA based?
- The registered office is at Neerlandt 12, 9220 Hamme (Vl.).Company details
- What does SPEQTRA do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of SPEQTRA?
- SPEQTRA is a private limited company (BV).
- When was SPEQTRA founded?
- SPEQTRA was founded on 18-02-2019.
- Is SPEQTRA still active?
- Yes, SPEQTRA is an active enterprise in the KBO register.
- How many employees does SPEQTRA have?
- SPEQTRA had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of SPEQTRA?
- The turnover in financial year 2025 is ≈ €240,000. This figure is estimated from the gross margin of €139,174 and 109 comparable companies (NACE 70200). It probably lies between €200,000 and €280,000.
- Is SPEQTRA profitable?
- In financial year 2025, SPEQTRA made a profit of €8,054.
- Where can I find the annual accounts of SPEQTRA?
- SPEQTRA filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SPEQTRA due?
- SPEQTRA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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