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SPFie

Active
Private limited companyfounded 2025active for 1 yearNeerveld 1, 2280 Grobbendonk, BelgiumKBO/BCE: BE 1018.287.093
Summary

SPFie has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €145,982 and a net result of €142,982. Its solvency ranks better than 66% of 20,678 sector peers (NACE 86, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 06-01-2025 Normal situation
Activity
Specialist medical practice NACE 86220
Establishment unit
2.368.145.528 2560 Nijlen, since 06-01-2025
Financial year end
31 December
Peppol
Reachable since 23-12-2025

Board and ownership

Board

Financial position

97 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts 2025
Gross margin
€187,621
Turnover
≈ €350,000
estimated
Profit
€142,982
Equity
€145,982
Total assets
€189,683
Staff
≈ 0 FTE
estimated
Filed on 07-04-2026, 115 days before the deadline
Score breakdownlowers riskSector: Human health activities (NACE 86)Liquidity: current ratio 4.30, cash €144,525Equity €145,982 (77.0% of total assets)Size: total assets €189,683Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 80% of micro companies in human health (NACE 86)
Financial strength
Strong
Solvency 100
equity 77.0% of total assets
Liquidity 92
short-term debt 23.0% · cash 76.2%
Profitability 100
return on assets 75.4%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (24,160 companies, NACE 86, micro)
Last 24 months 02-2026: 0.3% 03-2026: 0.3%● unchanged vs 02-2026highest value 04-2026: 0.3%● unchanged vs 03-2026highest value 05-2026: < 0.1%▼ -0.3 percentage points vs 04-2026lowest value 06-2026: < 0.1%● unchanged vs 05-2026lowest value 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €14,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 4.3, above the usual 1.5. Short-term debt is 23% and cash 76.2% of total assets. 23% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 86, micro). It does better than 82% of them on solvency, 77% on liquidity and 80% on profitability.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Sector: Human health activities (NACE 86)
KBO
lowers risk · Liquidity: current ratio 4.30, cash €144,525
NBB · annual accounts
lowers risk · Equity €145,982 (77.0% of total assets)
NBB · annual accounts
lowers risk · Size: total assets €189,683
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Young company
Founded in 2025, a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 years
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 07-04-2026, 115 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
115 days early
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2025.
KBO publications

Recent changes

  1. · Gazette deed IncorporationStarting capital €3,000 · Appointment: ENGELEN Sofie (director)
All 2 events

Comparable companies

These companies have the same main activity as SPFie: specialist medical practice (NACE 86220). They are comparable in size and age: total assets between €182,000 and €199,000, founded between 2024 and 2025.

CompanyTotal assetsGross margin
SPFie Grobbendonk€189,683€187,621
Dr. A.S. Bonte Antwerpen€194,662€183,859
ROMONT Mechelen€182,085€163,583
NIEMANTS MEDIC-ANEST Genappe€195,741€192,249
JCB Médical Anderlecht€193,563€194,045
Urgentcare Gent€195,871€184,437
CABINET DE GERIATRIE LUCIAN CONSTANTIN Tervuren€199,385€181,591
Full comparison

Key facts about SPFie

What is the company number of SPFie?
The company number of SPFie is 1018.287.093. The VAT number is the same number with BE in front: BE 1018.287.093.
Where is SPFie based?
The registered office is at Neerveld 1, 2280 Grobbendonk.Company details
What does SPFie do?
According to the KBO register, the main activity is specialist medical practice (NACE 86220).
What is the legal form of SPFie?
The legal form of SPFie is Private limited company (BV).
When was SPFie founded?
SPFie was founded on 06-01-2025.
Is SPFie still active?
Yes, SPFie is an active enterprise in the KBO register.
What is the turnover of SPFie?
The turnover in financial year 2025 is ≈ €350,000. This figure is estimated from the gross margin of €187,621 and 43 comparable companies (NACE 86220). It probably lies between €300,000 and €460,000.Financials
Is SPFie profitable?
In financial year 2025, SPFie made a profit of €142,982.
Where can I find the annual accounts of SPFie?
SPFie filed 1 annual account with the National Bank of Belgium, for financial year 2025.

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