SPERTEGO
ActiveSummary
SPERTEGO has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €620k and a net result of €78k. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 74% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 7.82 against 7.82 in 2024; short-term debt: 7.5% and cash: 26.2% of total assets), and 20.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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 · 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
79.8%
Return on assets
10%
Age of the figures
9 mo
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
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
43 d early
2023
1 d early
2022
18 d early
2021
41 d early
2020
3 d early
2019
11 d late
← 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
Financials · fiscal year 2025, micro schema
Equity
€620k▲ 14.4%
2024 · €542k
2018: €196klowest in 8 years
2019: €255k▲ +30.2% vs 2018
2020: €332k▲ +30.0% vs 2019
2021: €321k▼ -3.3% vs 2020
2022: €392k▲ +22.3% vs 2021
2023: €473k▲ +20.6% vs 2022
2024: €542k▲ +14.7% vs 2023
2025: €620k▲ +14.4% vs 2024highest in 8 years
2018 → 2025
Total assets
€777k▲ 9.9%
2024 · €707k
2018: €477klowest in 8 years
2019: €512k▲ +7.4% vs 2018
2020: €571k▲ +11.5% vs 2019
2021: €549k▼ -3.8% vs 2020
2022: €603k▲ +9.9% vs 2021
2023: €651k▲ +8.0% vs 2022
2024: €707k▲ +8.6% vs 2023
2025: €777k▲ +9.9% vs 2024highest in 8 years
2018 → 2025
Net result
€78k▲ 11.8%
2024 · €70k
2018: €30klowest in 8 years
2019: €59k▲ +96.0% vs 2018
2020: €77k▲ +29.3% vs 2019
2021: €101k▲ +32.5% vs 2020highest in 8 years
2022: €71k▼ -29.5% vs 2021
2023: €81k▲ +12.8% vs 2022
2024: €70k▼ -13.6% vs 2023
2025: €78k▲ +11.8% vs 2024
2018 → 2025
Working capital
€399k▲ 23.4%
2024 · €323k
2018: €64klowest in 8 years
2019: €124k▲ +94.4% vs 2018
2020: €189k▲ +52.5% vs 2019
2021: €175k▼ -7.5% vs 2020
2022: €174k▼ -0.4% vs 2021
2023: €249k▲ +43.0% vs 2022
2024: €323k▲ +30.1% vs 2023
2025: €399k▲ +23.4% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€321k-€392k▲ 22.3%€473k▲ 20.6%€542k▲ 14.7%€620k▲ 14.4%
2021: €321klowest in 5 years
2022: €392k▲ +22.3% vs 2021
2023: €473k▲ +20.6% vs 2022
2024: €542k▲ +14.7% vs 2023
2025: €620k▲ +14.4% vs 2024highest in 5 years
Operating result€118k-€111k▼ 5.8%€111k▼ 0.8%€102k▼ 8.0%€111k▲ 9.3%
2021: €118khighest in 5 years
2022: €111k▼ -5.8% vs 2021
2023: €111k▼ -0.8% vs 2022
2024: €102k▼ -8.0% vs 2023lowest in 5 years
2025: €111k▲ +9.3% vs 2024
Net result€101k-€71k▼ 29.5%€81k▲ 12.8%€70k▼ 13.6%€78k▲ 11.8%
2021: €101khighest in 5 years
2022: €71k▼ -29.5% vs 2021
2023: €81k▲ +12.8% vs 2022
2024: €70k▼ -13.6% vs 2023lowest in 5 years
2025: €78k▲ +11.8% vs 2024
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 9% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €777k
Fixed assets
€320k ▼ 5.0%
Current assets
€458k ▲ 23.4%
Equity and liabilities €777k
Equity
€620k ▲ 14.4%
Debt
€157k ▼ 4.9%
Debt's share of the balance-sheet total falls from 23.3% to 20.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€137k▲
2024 · €128k
Cash flow
€104k▲
2024 · €96k
Current ratio
7.82▲
2024 · 7.82
Debt to equity
0.25▼
2024 · 0.30
ROE
12.6%▼
2024 · 12.8%
ROA
10.0%▲
2024 · 9.8%
Interest coverage
29.07▲
2024 · 26.06
Debt ≤ 1 year
€58k▲
2024 · €47k
Debt > 1 year
€98k▼
2024 · €118k
Income taxes
€32k▲
2024 · €28k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€707k€777k▲
Fixed assets21/28€337k€320k▼
Tangible fixed assets22/27€337k€320k▼
Land and buildings22€283k€274k▼
Furniture and vehicles24€36k€23k▼
Other tangible fixed assets26€17k€23k▲
Current assets29/58€371k€458k▲
Amounts receivable within one year40/41€20k€11k▼
Trade receivables40€20k€11k▼
Current investments50/53€192k€242k▲
Cash at bank and in hand54/58€157k€204k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€707k€777k▲
Equity10/15€542k€620k▲
Reserves13€542k€620k▲
Tax-exempt reserves132€7k€7k=
Distributable reserves133€535k€613k▲
Amounts payable17/49€165k€157k▼
Amounts payable after more than one year17€118k€98k▼
Financial debts170/4€118k€98k▼
Amounts payable within one year42/48€47k€58k▲
Current portion of amounts payable after more than one year42€20k€21k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€16k€22k▲
Taxes450/3€16k€22k▲
Other amounts payable47/48€10k€14k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€26k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€130k€139k▲
Operating profit (loss)9901€102k€111k▲
Financial income75/76B€526€3k▲
Recurring financial income75€526€3k▲
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€97k€110k▲
Income taxes67/77€28k€32k▲
Profit (loss) for the period9904€70k€78k▲
Profit (loss) for the period to be appropriated9905€70k€78k▲
Appropriation of the result
Profit (loss) to be appropriated9906€70k€78k▲
Transfer to equity691/2€70k€78k▲
To other reserves6921€70k€78k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €23 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14k | €17k | €26k | €27k | €26k | ▼ 1.1% |
| Other operating charges640/8 | €1k | €1k | €2k | €2k | €2k | ▲ 0.4% |
| Gross operating margin9900 | €134k | €129k | €138k | €130k | €139k | ▲ 7.0% |
| Operating profit (loss)9901 | €118k | €111k | €111k | €102k | €111k | ▲ 9.3% |
| Financial income75/76B | €27k | €730 | €417 | €526 | €3k | ▲ 498% |
| Recurring financial income75 | €27k | €730 | €417 | €526 | €3k | ▲ 498% |
| Financial charges65/66B | €9k | €11k | €-229 | €5k | €5k | ▼ 3.9% |
| Recurring financial charges65 | €9k | €11k | €-229 | €5k | €5k | ▼ 3.9% |
| Profit (loss) for the period before taxes9903 | €137k | €101k | €111k | €97k | €110k | ▲ 12.6% |
| Income taxes67/77 | €35k | €30k | €31k | €28k | €32k | ▲ 14.5% |
| Profit (loss) for the period9904 | €101k | €71k | €81k | €70k | €78k | ▲ 11.8% |
| Transfer from tax-exempt reserves789 | €8k | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €110k | €71k | €81k | €70k | €78k | ▲ 11.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €549k | €603k | €651k | €707k | €777k | ▲ 9.9% |
| Fixed assets21/28 | €318k | €373k | €360k | €337k | €320k | ▼ 5.0% |
| Tangible fixed assets22/27 | €318k | €373k | €360k | €337k | €320k | ▼ 5.0% |
| Land and buildings22 | €311k | €301k | €292k | €283k | €274k | ▼ 3.3% |
| Furniture and vehicles24 | €3k | €68k | €52k | €36k | €23k | ▼ 37.3% |
| Other tangible fixed assets26 | €4k | €4k | €17k | €17k | €23k | ▲ 33.3% |
| Current assets29/58 | €231k | €230k | €291k | €371k | €458k | ▲ 23.4% |
| Amounts receivable within one year40/41 | €16k | €44k | €31k | €20k | €11k | ▼ 46.1% |
| Trade receivables40 | €16k | €44k | €31k | €20k | €11k | ▼ 46.1% |
| Current investments50/53 | €29k | €64k | €156k | €192k | €242k | ▲ 25.8% |
| Cash at bank and in hand54/58 | €184k | €121k | €103k | €157k | €204k | ▲ 29.5% |
| Deferred charges and accrued income490/1 | €2k | €1k | €1k | €1k | €1k | ▲ 1.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €549k | €603k | €651k | €707k | €777k | ▲ 9.9% |
| Equity10/15 | €321k | €392k | €473k | €542k | €620k | ▲ 14.4% |
| Reserves13 | €321k | €392k | €473k | €542k | €620k | ▲ 14.4% |
| Tax-exempt reserves132 | €7k | €7k | €7k | €7k | €7k | = |
| Distributable reserves133 | €313k | €385k | €465k | €535k | €613k | ▲ 14.6% |
| Amounts payable17/49 | €228k | €211k | €179k | €165k | €157k | ▼ 4.9% |
| Amounts payable after more than one year17 | €172k | €154k | €136k | €118k | €98k | ▼ 16.3% |
| Financial debts170/4 | €172k | €154k | €136k | €118k | €98k | ▼ 16.3% |
| Amounts payable within one year42/48 | €56k | €57k | €42k | €47k | €58k | ▲ 23.3% |
| Current portion of amounts payable after more than one year42 | €19k | €19k | €20k | €20k | €21k | ▲ 2.8% |
| Trade debts44 | €9k | €600 | €1k | €1k | €2k | ▲ 104% |
| Suppliers440/4 | €9k | €600 | €1k | €1k | €2k | ▲ 104% |
| Taxes, remuneration and social security45 | €20k | €28k | €16k | €16k | €22k | ▲ 35.7% |
| Taxes450/3 | €20k | €28k | €16k | €16k | €22k | ▲ 35.7% |
| Other amounts payable47/48 | €9k | €9k | €6k | €10k | €14k | ▲ 35.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €101k | €71k | €81k | €70k | €78k | ▲ 11.8% |
| + Depreciation and write-downs630 | €14k | €17k | €26k | €27k | €26k | ▼ 1.1% |
| Operating cash flow (approximation) | €116k | €88k | €107k | €96k | €104k | ▲ 8.3% |
| Investment in fixed assets (approximation) | - | €-71k | €-14k | €-3k | €-9k | ▼ 230% |
| Change in cash | - | €-62k | €-18k | €54k | €46k | ▼ 14.2% |
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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €500kEq €542k ▲14.7%
7 profitable years in a row build equity to €542k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €101k ▲32.5%
Operating result €118k, net result €101k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 11 days late
2019
31-12
Financial
Equity above €200kEq €255k ▲30.2%
2 profitable years in a row build equity to €255k.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Keerbergen · 1 establishment unit since 2009
Ground area
863 m²
Building footprint
175 m²
Volume, LiDAR
69 m³
Parcel 24472G0295/00G000, Flanders · tallest building 5.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Spertego
since 20092.180.019.174
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24472G0295/00G000 | Flanders | 863 m² | 1 · 175 m² | 5.3 m · 1 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.
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 10,994 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
Founded24-06-2009
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
82990Other business support services
95100Repair and maintenance of computers and communication equipment
Contact
E-mail
peter.van.lier@telenet.beKeerbergen
Phone
02/747.47.56Keerbergen
Scores and ratios are computed by Checked and are not a credit decision.