SPERWERNEST · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of SPERWERNEST is 0.2% (very low). The 2024 annual accounts show equity of €756k and a net result of €-9k. Equity remains stable across the filed fiscal years (±0.7% per year). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Trust signals

3 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags

0 events

No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-risk legal form −Young company +No NACE activity registered +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€-9k-382.5%

Working capital€-919

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 30-06-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

stable Equity: stable across 3 fiscal years (±0.7%/year).

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

EBITDA

€26k

-17.3% 22-24

Net profit

€-9k

-382.5% 22-24

Cash flow

€23k

-15.6% 22-24

Total assets

€1.05M

+0.3% 22-24

Equity

€756k

-1.2% 22-24

Working capital

€-919

- 22-24

Income taxes

€1k

- 22-24

Debt

€293k

+4.2% 22-24

Debt ≤ 1y

€50k

+164.1% 22-24

Debt > 1y

€242k

-7.3% 22-24

Current ratio

0.98

-56.7% 22-24

Quick ratio

0.98

-56.7% 22-24

Solvency

72.1%

-1.4% 22-24

Debt / equity

0.39

+5.5% 22-24

ROE

-1.2%

-388.3% 22-24

ROA

-0.9%

-381.2% 22-24

Interest coverage

8.42

-13.4% 22-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Revenue	-
EBITDA	€26k
Net profit	€-9k
Cash flow	€23k
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€1.05M
Equity	€756k
Debt	€293k
of which ≤ 1y	€50k
of which > 1y	€242k
Working capital	€-919
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	0.98
Quick ratio	0.98
Working capital ratio	-0.1%
Solvency	72.1%
Debt / equity	0.39
Long-term debt ratio	0.32
Interest coverage	8.42
Gross margin	-
Net margin	-
ROA	-0.9%
ROE	-1.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €1.00M · 95.4% Current assets €49k · 4.6%

Equity & liabilities

Equity €756k · 72.1% Debt €293k · 27.9%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.05M
Fixed assets	21/28	€1.00M
Tangible fixed assets	22/27	€1.00M
Current assets	29/58	€49k
Amounts receivable within one year	40/41	€4k
Cash & bank	54/58	€44k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.05M
Equity	10/15	€756k
Contributions / capital	10/11	€800k
Accumulated profits (losses)	14	€-44k
Amounts payable	17/49	€293k
Amounts payable after one year	17	€242k
Amounts payable within one year	42/48	€50k
Trade debts payable within one year	44	€31k
Income statement
Gross operating margin	9900	€26k
Operating result	9901	€-6k
Financial income	75	€5
Financial charges	65	€3k
Result before taxes	9903	€-9k
Net result for the period	9904	€-9k
Result to be appropriated	9905	€-9k

You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

45 / 100 Fair

050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Directors

Directors & mandates

under verification

Directors derived from a single State Gazette act, under verification

All 3 current directors first appear in the same act (25147800). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.

Current directors & mandates

Desmyter Arne
Director
State Gazette act 25147800 (20-11-2025)

Current
17-06-2025 → present
Rahe Sabine
Director
State Gazette act 25147800 (20-11-2025)

Current
17-06-2025 → present
Van Avermaet Elke
Director
State Gazette act 25147800 (20-11-2025)

Current
17-06-2025 → present

Former directors (3)

Dewulf Christian
Director
State Gazette act 25069683 (02-06-2025)

Former
- → 21-11-2024
Jean Mathys
Director
State Gazette act 23160549 (14-12-2023)

Former
- → 14-11-2023
Merlier José
Director
State Gazette act 23063453 (11-05-2023)

Former
- → 15-07-2022

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Insolvency mandates

indexing

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	-
Legal form	Non-profit association(017)
Incorporation	15-12-2021
Status	Active
Postal code	9160

Structure & network

Locations & real estate

Establishment units

1 location

Sperwernest

Gentse Steenweg 54, 9160 LokerenInstellingen met huisvesting voor volwassenen met een mentale handicap

since 20212.325.297.361

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area5,560 m²

Buildings1

Building footprint891 m²

Volume (LiDAR)3,781 m³

Tallest building7.9 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
46383D1190/00X000	Flanders	5,560 m²	1 · 891 m²	7.9 m · 1 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Analysis

Snowflake analysis

financial profile on 5 axes

55 / 100

Mixed profile: strong on stability, weaker on profitability.

Health 45

Profitability 0

Solvency 77

Growth 58

Stability 94

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Company registry

Company registry (CBE)

Crossroads Bank

Names & trade names

Legal nameNL

SPERWERNEST

Registered office

Gentse Steenweg 54

9160 Lokeren, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.