SPEQTRA
ActiveSummary
SPEQTRA has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €77k and a net result of €8k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 18% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability60▼-17
Solvency37▼-13
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 1.95 in 2024; short-term debt: 13.2% and cash: 6.2% of total assets), and 88% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% 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
12%
Return on assets
1.3%
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 18% of 31791 sector peers (2025).
NBB · sector comparisonPosition among 31791 sector peers
Solvency
better than 18%
← 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 19-08-2026, 19 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 · 7 filingsDeviation from the deadline
2025
19 d late
2024
76 d late
2023
84 d late
2022
32 d late
2021
30 d late
2020
47 d late
2019
2 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€77k▼ 54.0%
2024 · €167k
Total assets
€643k▼ 4.1%
2024 · €670k
Net result
€8k▼ 80.7%
2024 · €42k
Working capital
€21k▼ 62.9%
2024 · €55k
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
Operating result€27k▼ 48.2%€16k▼ 39.0%€15k▼ 9.2%€56k▲ 279%€39k▼ 31.0%
Net result€17k▼ 57.4%€3k▼ 80.9%€4k▲ 36.8%€42k▲ 832%€8k▼ 80.7%
Equity€112k▲ 18.0%€121k▲ 8.5%€126k▲ 3.7%€167k▲ 33.1%€77k▼ 54.0%
Total assets€458k▲ 268%€685k▲ 49.6%€653k▼ 4.6%€670k▲ 2.7%€643k▼ 4.1%
Debt€346k▲ 1,071%€563k▲ 62.8%€527k▼ 6.4%€503k▼ 4.6%€566k▲ 12.5%
Working capital€124k▲ 50.9%€79k▼ 36.8%€36k▼ 53.8%€55k▲ 52.4%€21k▼ 62.9%
Staff (FTE)1=1=1=1=1=
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €643k
Fixed assets
€538k ▼ 3.4%
Current assets
€105k ▼ 7.5%
Equity and liabilities €643k
Equity
€77k ▼ 54.0%
Debt
€566k ▲ 12.5%
Debt's share of the balance-sheet total rises from 75.0% to 88.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€70k▼
2024 · €77k
Cash flow
€40k▼
2024 · €63k
Current ratio
1.24▼
2024 · 1.95
Debt to equity
7.34▲
2024 · 3.00
ROE
10.5%▼
2024 · 24.9%
ROA
1.3%▼
2024 · 6.2%
Interest coverage
4.72▼
2024 · 8.48
Debt ≤ 1 year
€85k▲
2024 · €58k
Debt > 1 year
€481k▲
2024 · €444k
Income taxes
€16k▲
2024 · €8k
Staff costs
€68k▲
2024 · €63k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €50k | €53k | €57k | €63k | €68k | ▲ 7.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11k | €19k | €22k | €21k | €32k | ▲ 48.0% |
| Other operating charges640/8 | €32k | €20k | €31k | €9k | €2k | ▼ 82.8% |
| Non-recurring operating charges66A | - | - | €3k | - | - | - |
| Gross operating margin9900 | €120k | €108k | €128k | €149k | €139k | ▼ 6.6% |
| Operating profit (loss)9901 | €27k | €16k | €15k | €56k | €39k | ▼ 31.0% |
| Financial income75/76B | €3k | €1k | €3k | €3k | - | - |
| Recurring financial income75 | €3k | €1k | €3k | €3k | - | - |
| Financial charges65/66B | €7k | €9k | €10k | €9k | €15k | ▲ 63.3% |
| Recurring financial charges65 | €7k | €9k | €10k | €9k | €15k | ▲ 63.3% |
| Profit (loss) for the period before taxes9903 | €23k | €9k | €7k | €50k | €24k | ▼ 52.7% |
| Income taxes67/77 | €6k | €5k | €3k | €8k | €16k | ▲ 86.4% |
| Profit (loss) for the period9904 | €17k | €3k | €4k | €42k | €8k | ▼ 80.7% |
| Profit (loss) for the period to be appropriated9905 | €17k | €3k | €4k | €42k | €8k | ▼ 80.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €458k | €685k | €653k | €670k | €643k | ▼ 4.1% |
| Fixed assets21/28 | €300k | €578k | €561k | €557k | €538k | ▼ 3.4% |
| Tangible fixed assets22/27 | €300k | €578k | €561k | €557k | €538k | ▼ 3.4% |
| Land and buildings22 | €296k | €572k | €553k | €548k | €529k | ▼ 3.5% |
| Plant, machinery and equipment23 | €2k | €4k | €1k | €3k | €4k | ▲ 25.2% |
| Furniture and vehicles24 | €2k | €2k | €6k | €5k | €5k | ▼ 11.6% |
| Current assets29/58 | €157k | €107k | €92k | €114k | €105k | ▼ 7.5% |
| Amounts receivable after more than one year29 | €72k | €39k | €46k | €66k | €53k | ▼ 20.0% |
| Trade receivables290 | €72k | €39k | €46k | €66k | €53k | ▼ 20.0% |
| Amounts receivable within one year40/41 | €21k | - | €3k | €38k | €13k | ▼ 66.4% |
| Trade receivables40 | €10k | - | - | €31k | €13k | ▼ 58.3% |
| Other amounts receivable41 | €12k | - | €3k | €7k | €1 | ▼ 100.0% |
| Current investments50/53 | €3k | €3k | - | - | - | - |
| Cash at bank and in hand54/58 | €42k | €28k | €36k | €10k | €40k | ▲ 316% |
| Deferred charges and accrued income490/1 | €19k | €37k | €8k | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €458k | €685k | €653k | €670k | €643k | ▼ 4.1% |
| Equity10/15 | €112k | €121k | €126k | €167k | €77k | ▼ 54.0% |
| Contributions10/11 | €12k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €99k | €103k | €107k | €149k | €58k | ▼ 60.7% |
| Distributable reserves133 | €99k | €103k | €107k | €149k | €58k | ▼ 60.7% |
| Amounts payable17/49 | €346k | €563k | €527k | €503k | €566k | ▲ 12.5% |
| Amounts payable after more than one year17 | €313k | €535k | €471k | €444k | €481k | ▲ 8.2% |
| Financial debts170/4 | €313k | €535k | €471k | €444k | €481k | ▲ 8.2% |
| Amounts payable within one year42/48 | €33k | €28k | €56k | €58k | €85k | ▲ 45.0% |
| Current portion of amounts payable after more than one year42 | - | - | €29k | €29k | €55k | ▲ 89.2% |
| Financial debts43 | €32 | €789 | €829 | - | - | - |
| Credit institutions430/8 | €32 | €789 | €829 | - | - | - |
| Trade debts44 | €2k | €3k | €5k | €4k | €1k | ▼ 73.7% |
| Suppliers440/4 | €2k | €3k | €5k | €4k | €1k | ▼ 73.7% |
| Taxes, remuneration and social security45 | €31k | €24k | €22k | €25k | €25k | ▼ 2.0% |
| Taxes450/3 | €25k | €17k | €13k | €17k | €16k | ▼ 6.0% |
| Remuneration and social security454/9 | €7k | €7k | €8k | €9k | €9k | ▲ 5.5% |
| Other amounts payable47/48 | - | - | - | - | €4k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17k | €3k | €4k | €42k | €8k | ▼ 80.7% |
| + Depreciation and write-downs630 | €11k | €19k | €22k | €21k | €32k | ▲ 48.0% |
| Operating cash flow (approximation) | €28k | €22k | €26k | €63k | €40k | ▼ 37.2% |
| Investment in fixed assets (approximation) | - | €-296k | €-5k | €-17k | €-13k | ▲ 27.1% |
| Change in cash | - | €-15k | €8k | €-26k | €30k | ▲ 214% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
15-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 76 days late
2024
31-12
Financial
Equity above €150kEq €167k ▲33.1%
6 profitable years in a row build equity to €167k.
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 84 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Weakest financial yearnet €3k ▼80.9%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Equity above €100kEq €112k ▲18%
3 profitable years in a row build equity to €112k.
16-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 47 days late
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Hamme (Vl.) · 1 establishment unit since 2019
Ground area
312 m²
Building footprint
96 m²
Volume, LiDAR
544 m³
Parcel 42452C1122/00Z000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SPEQTRA
since 20192.291.305.690
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42452C1122/00Z000 | Flanders | 312 m² | 1 · 95 m² | 8.1 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.
Similar companies · same sector, comparable size
Finnovators
BE 1016.362.436
Stekene · Eq €77,068
ALMER CONSULTANCY
BE 0768.842.982
Schoten · Eq €77,068
MarKe Consulting & Services
BE 0697.913.416
Edegem · Eq €77,071
ADEKIA
BE 0787.955.150
Schaarbeek · Eq €77,082
STRATEGO2M
BE 0742.725.436
Schaarbeek · Eq €77,084
Of 82,632 companies in sector 70200 we hold annual accounts for 52,575. 39,966 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
Founded18-02-2019
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
43990Other specialised construction activities
62900Other information technology and computer services
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
63910Web portal activities
63920Other information service activities
78100Employment placement agencies
82990Other business support services
85599Other education
Scores and ratios are computed by Checked and are not a credit decision.