SPERTO
ActiveThe computed 12-month bankruptcy probability of SPERTO is 6.0% (elevated). The 2024 annual accounts show equity of €29k and a net result of €4k. Its solvency ranks better than 23% of 2935 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
40
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability70
Solvency32
Growth-
Track record79
Bankruptcy probability, 12 months
6.0%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity short (current ratio 0.87; short-term debt: 89% and cash: 22.1% of total assets), and 92.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
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 2024Solvency, return and age of the figures
Solvency
7.1%
Return on assets
0.9%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 2935 sector peers (2024).
NBB · sector comparisonPosition among 2935 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 1 filingDeviation from the deadline
2024
61 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€29k
Total assets
€406k
Net result
€4k
Working capital
€-48k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €406k
Fixed assets
€92k
Current assets
€314k
Equity and liabilities €406k
Equity
€29k
Debt
€377k
Debt finances 92.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€18k
Cash flow
€22k
Solvency
7.1%
Current ratio
0.87
Quick ratio
0.82
Debt / equity
13.12
ROE
12.2%
ROA
0.9%
Interest coverage
12.06
Debt
€377k
Debt ≤ 1 year
€361k
Debt > 1 year
€15k
Staff costs
€210k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€406k
Fixed assets21/28€92k
Intangible fixed assets21€14k
Tangible fixed assets22/27€79k
Plant, machinery and equipment23€26k
Furniture and vehicles24€19k
Other tangible fixed assets26€33k
Current assets29/58€314k
Stocks and contracts in progress3€16k
Stocks30/36€16k
Amounts receivable within one year40/41€206k
Trade receivables40€63k
Other amounts receivable41€143k
Cash at bank and in hand54/58€90k
Deferred charges and accrued income490/1€2k
Equity and liabilities
Total equity and liabilities10/49€406k
Equity10/15€29k
Contributions10/11€24k
Profit (loss) carried forward14€5k
Amounts payable17/49€377k
Amounts payable after more than one year17€15k
Financial debts170/4€15k
Amounts payable within one year42/48€361k
Current portion of amounts payable after more than one year42€18k
Financial debts43€2k
Other loans439€2k
Trade debts44€32k
Suppliers440/4€32k
Advances received on contracts in progress46€258k
Taxes, remuneration and social security45€31k
Taxes450/3€5k
Remuneration and social security454/9€26k
Other amounts payable47/48€21k
Accrued charges and deferred income492/3€479
Income statement
Code2024
Non-recurring operating income76A€0
Remuneration, social security and pensions62€210k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k
Other operating charges640/8€920
Non-recurring operating charges66A€0
Gross operating margin9900€229k
Operating profit (loss)9901€-1k
Financial income75/76B€6k
Recurring financial income75€6k
Financial charges65/66B€1k
Recurring financial charges65€1k
Profit (loss) for the period before taxes9903€4k
Profit (loss) for the period9904€4k
Profit (loss) for the period to be appropriated9905€4k
Appropriation of the result
Profit (loss) to be appropriated9906€5k
Profit (loss) brought forward from the previous period14P€1k
Social balance
Average headcount (FTE)90873.9
The notes to these accounts (18 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
NBB filing
Directors · office · real estate
Directors
2 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, Lievegem · 2 establishment units since 2022
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rapenburg 19930 LievegemGround area
929 m²
Building footprint
319 m²
Volume, LiDAR
1,806 m³
2 parcels, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
SPERTO
since 20222.334.189.390
Sperto
since 20222.338.357.620
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44080B0015/00K000 | Flanders | 762 m² | 1 · 152 m² | 7.7 m · 2 fl. |
| 44080A0280/00V000 | Flanders | 167 m² | 1 · 167 m² | 9.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 3,309 EUR awarded · 3,309 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 306 EUR | 306 EUR |
| 2024 | 1 | 2,100 EUR | 2,100 EUR |
| 2023 | 1 | 903 EUR | 903 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteLievegem2.334.189.390
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Of 7,508 companies in sector 56210 we hold annual accounts for 2,445. 1,935 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-2022
Fiscal year end31-12
Activities, NACEBEL
56210Event catering
77223Rental and leasing activities
82300Organisation of conventions and trade shows
90021Arts creation and performing arts activities
90391Promotion and organisation of arts and performing arts events
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.