Sperto
ActiveSummary
Sperto has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6.51M and a net result of €993k. Equity is growing by ~23.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-12
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €550k at 30 days acceptable
Liquidity ample (current ratio 65.91 against 18.12 in 2024; short-term debt: 1.3% and cash: 15.1% of total assets), and 1.3% of the assets are financed with debt.
Credit advice 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
98.7%
Return on assets
15.1%
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 10 filingsDeviation from the deadline
2025
24 d late
2024
6 d late
2023
5 d late
2022
3 d early
2021
23 d early
2020
18 d late
2019
14 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€6.51M▲ 18.0%
2024 · €5.52M
2018: €1.35M
2019: €1.85M
2020: €2.43M
2021: €3.02M
2022: €3.15M
2023: €3.71M
2024: €5.52M
2018 → 2025
Total assets
€6.60M▲ 13.2%
2024 · €5.83M
2018: €1.54M
2019: €2.06M
2020: €2.70M
2021: €3.06M
2022: €3.66M
2023: €3.93M
2024: €5.83M
2018 → 2025
Net result
€993k▼ 54.8%
2024 · €2.20M
2018: €426k
2019: €509k
2020: €572k
2021: €592k
2022: €530k
2023: €564k
2024: €2.20M
2018 → 2025
Working capital
€5.43M▲ 2.8%
2024 · €5.28M
2018: €1.31M
2019: €1.80M
2020: €2.37M
2021: €2.96M
2022: €3.09M
2023: €3.54M
2024: €5.28M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.02M-€3.15M▲ 4.3%€3.71M▲ 17.9%€5.52M▲ 48.7%€6.51M▲ 18.0%
Operating result€788k-€769k▼ 2.4%€763k▼ 0.8%€780k▲ 2.2%€744k▼ 4.6%
Net result€592k-€530k▼ 10.5%€564k▲ 6.3%€2.20M▲ 290%€993k▼ 54.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 5% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.60M
Fixed assets
€1.08M ▲ 358%
Current assets
€5.52M ▼ 1.4%
Equity and liabilities €6.60M
Equity
€6.51M ▲ 18.0%
Debt
€84k ▼ 72.9%
Debt's share of the balance-sheet total falls from 5.3% to 1.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€783k▼
2024 · €820k
Cash flow
€1.03M▼
2024 · €2.24M
Current ratio
65.91▲
2024 · 18.12
Debt to equity
0.01▼
2024 · 0.06
ROE
15.2%▼
2024 · 39.8%
ROA
15.1%▼
2024 · 37.7%
Interest coverage
30.93▼
2024 · 36.34
Debt ≤ 1 year
€84k▼
2024 · €309k
Income taxes
€288k▼
2024 · €442k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.83M€6.60M▲
Fixed assets21/28€236k€1.08M▲
Tangible fixed assets22/27€135k€103k▼
Plant, machinery and equipment23€283€0▼
Furniture and vehicles24€114k€80k▼
Other tangible fixed assets26€20k€23k▲
Financial fixed assets28€102k€979k▲
Current assets29/58€5.59M€5.52M▼
Amounts receivable within one year40/41€525k€700k▲
Trade receivables40€4k€460▼
Other amounts receivable41€521k€700k▲
Current investments50/53€2.95M€3.81M▲
Cash at bank and in hand54/58€2.11M€998k▼
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€5.83M€6.60M▲
Equity10/15€5.52M€6.51M▲
Contributions10/11€37k€37k=
Reserves13€5.48M€6.48M▲
Tax-exempt reserves132€253€253=
Distributable reserves133€5.48M€6.48M▲
Profit (loss) carried forward14-€0
Amounts payable17/49€309k€84k▼
Amounts payable within one year42/48€309k€84k▼
Trade debts44€1k€9k▲
Suppliers440/4€1k€9k▲
Taxes, remuneration and social security45€275k€14k▼
Taxes450/3€275k€10k▼
Remuneration and social security454/9-€4k
Other amounts payable47/48€32k€60k▲
Income statement
Code20242025
Non-recurring operating income76A-€0
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€39k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€822k€785k▼
Operating profit (loss)9901€780k€744k▼
Financial income75/76B€1.88M€563k▼
Recurring financial income75€1.88M€563k▼
Financial charges65/66B€23k€25k▲
Recurring financial charges65€23k€25k▲
Profit (loss) for the period before taxes9903€2.64M€1.28M▼
Income taxes67/77€442k€288k▼
Profit (loss) for the period9904€2.20M€993k▼
Profit (loss) for the period to be appropriated9905€2.20M€993k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.20M€993k▼
Transfer from equity791/2€390k€0▼
Transfer to equity691/2€2.20M€993k▼
To other reserves6921€2.20M€993k▼
Profit to be distributed694/7€390k€0▼
Return on contributions (dividend)694€390k€0▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
2025
31-12
Financial
Liquidity quadruplescurrent ratio 65.91
Current ratio from 18.12 to 65.91; short-term debt falls from €309k to €84k.
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 6 days late
2024
31-12
Financial
Highest result since 2018net €2.20M ▲290%
Net result €2.20M, the highest in the series.
31-12
Financial
Equity above €5MEq €5.52M ▲48.7%
7 profitable years in a row build equity to €5.52M.
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 5 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 17.22
Current ratio from 6.99 to 17.22; short-term debt falls from €516k to €218k.
14-12
State Gazette act
General meeting · Dissolution
Director resignation · Director appointment
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
12-04
State Gazette act
General meeting · Director resignation
Permanent representative · Director discharge
2022
17-10
State Gazette act
General meeting · Director reappointment
Permanent representative
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Show earlier events
2021
31-12
Financial
Liquidity times 7current ratio 66.78
Current ratio from 9.53 to 66.78; short-term debt falls from €278k to €45k.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 18 days late
2020
31-12
Financial
Equity above €2MEq €2.43M ▲30.8%
3 profitable years in a row build equity to €2.43M.
21-09
State Gazette act
General meeting · Legal-form conversion
Capital · Reserve release
14-09
State Gazette act
General meeting · Capital
Profit certificate issue · Legal-form conversion · COREMANS Ruth Tine Cyriel
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 14 days late
2019
15-10
State Gazette act
General meeting · Director reappointment
Permanent representative · Director appointment
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 21 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
06-02
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 18 days late
2016
20-10
State Gazette act
Board meeting · Director resignation
General meeting · Director reappointment
08-07
State Gazette act
General meeting · Share cancellation
Reserve release · Share issue
2014
14-08
State Gazette act
General meeting · Director resignation
Director discharge · Director appointment
31-07
State Gazette act
Incorporation · Founder
Corporate purpose · Founding capital
2013
12-08
State Gazette act
General meeting · Board meeting
Capital increase · Capital
12-08
State Gazette act
General meeting · Board meeting
Capital increase · Capital
12-07
State Gazette act
Incorporation · Founding capital
Bank account · Corporate purpose
12-07
State Gazette act
Incorporation · Founding capital
Corporate purpose · First fiscal year · Frank Liesse
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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 2012
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.
Drapstraat 289220 Hamme (Vl.)Ground area
1,237 m²
Building footprint
288 m²
Volume, LiDAR
1,771 m³
Parcel 42008A2139/00T002, Flanders · tallest building 12.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SPERTO
since 20122.210.199.042
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42008A2139/00T002 | Flanders | 1,237 m² | 1 · 288 m² | 12.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
5 connected companiesLinked via shared directors
Shared director
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Shared director
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Shared director
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Shared director
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Show 1 more companies with a shared director
Shared director
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Ownership & control
5 board mandatesBoard mandates of this companythis company sits on their board5
1 location
1 location
1 location
1 location
1 location
Recognitions · licences · registrations
Legal Entity Identifier
699400VBEMBX72TAZK37
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 9,342 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-2012
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.