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Spiaggia

Active
Private limited companyfounded 2021active for 5 yearsOoststraat 9, 8301 Knokke-Heist, BelgiumKBO/BCE: BE 0775.654.263
Summary

Spiaggia has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61,178 and a net result of €58,178. Equity has been growing by about 11% per year since 2021. Its solvency ranks better than 14% of 39,293 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Official details

Source: KBO
Status
Active since 12-10-2021 Normal situation
Activity
Activities of head offices NACE 70100and 1 other
Establishment unit
2.322.871.272 8301 Knokke-Heist, since 12-10-2021
Financial year end
31 December
Peppol
Reachable since 24-11-2023

Board and ownership

Board
  • Deswaef IsabelleDirector · since 12-10-2021

Financial position

83 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Annual accounts 2025
Gross margin
€133,535
Turnover
≈ €220,000
estimated
Profit
€58,178
Equity
€61,178
▼ 17.2%
Total assets
€927,209
▼ 5.3%
  • 2025 accounts filed 28 days after the deadline
Score breakdownraises riskLiquidity: current ratio 1.12, cash €7,900, halvedLast filed accounts filed 28 days late; 1 of the last 3 accounts latelowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Size: total assets €927,209Show the evidence

Checked score

Score 2025
83 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 24% of micro companies in head offices and management consultancy (NACE 70)
Financial strength · tick: 2024
Average
Solvency 32-1
equity 6.6% of total assets
Liquidity 49-1
short-term debt 13.9% · cash 0.9%
Profitability 63+50
return on assets 6.3%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,544 companies, NACE 70, micro)
Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025lowest value 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: 0.1%▲ +0.1 percentage points vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.3%▲ +0.2 percentage points vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.4%▲ +0.1 percentage points vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.4%● unchanged vs 06-2026 08-2026: 0.7%▲ +0.3 percentage points vs 07-2026highest value 09-2026: 0.3%▼ -0.4 percentage points vs 08-2026 10-2026: 0.3%● unchanged vs 09-2026 11-2026: 0.3%● unchanged vs 10-2026
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.12 (1.23 in 2024), below the usual 1.5. Short-term debt is 13.9% and cash 0.9% of total assets. 93.4% 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 70, micro). It does better than 14% of them on solvency, 29% on liquidity, 28% on profitability and 24% on growth.

The bankruptcy probability was computed on 04-11-2026 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 risk
lowers risk · Sector: Activities of head offices; management consultancy activities (NACE 70)
KBO
lowers risk · Size: total assets €927,209
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 · Liquidity: current ratio 1.12, cash €7,900, halved
NBB · annual accounts
raises risk · Last filed accounts filed 28 days late; 1 of the last 3 accounts late
NBB · filings
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 39293 sector peers (2025).
NBB · sector comparison
Position among 39293 sector peers
Solvency
better than 14%
← weakest strongest →
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filings
Deviation from the deadline
2025
28 days late
2024
41 days late
2023
21 days early
2022
23 days late
2021
6 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 5 accounts on average 13 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 23 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Back in profit in 2025after a loss of €42,827 in 2024 €58,178 View
  • Caution: Lower solvency than 86% of companies in head offices and management consultancysector median 55.5% · 39,293 companies 6.6% View

Recent changes

  1. · Gazette deed General meeting · Other provision
  2. · Gazette deed Incorporation
All 11 events

Comparable companies

These companies have the same main activity as Spiaggia: activities of head offices (NACE 70100). They are comparable in size and age: total assets between €730,000 and €1.3m, founded between 2020 and 2022.

CompanyTotal assetsGross margin
Spiaggia Knokke-Heist€0.9m€0.1m
LIMAX INVEST Knokke-Heist€1.0m€0.1m
TLC+ Zedelgem€1.0m€0.1m
Gravenbos Farma Liedekerke€0.8m€0.1m
DV TECHNICS Juprelle€0.7m€0.1m
GORTS & CO Westerlo€0.9m€0.1m
JD MANAGEMENT Liedekerke€1.3m€0.1m
Full comparison

Key facts about Spiaggia

What is the company number of Spiaggia?
The company number of Spiaggia is 0775.654.263. The VAT number is the same number with BE in front: BE 0775.654.263.
Where is Spiaggia based?
The registered office is at Ooststraat 9, 8301 Knokke-Heist.Company details
What does Spiaggia do?
According to the KBO register, the main activity is activities of head offices (NACE 70100).
What is the legal form of Spiaggia?
The legal form of Spiaggia is Private limited company (BV).
When was Spiaggia founded?
Spiaggia was founded on 12-10-2021.
Is Spiaggia still active?
Yes, Spiaggia is an active enterprise in the KBO register.
What is the turnover of Spiaggia?
The turnover in financial year 2025 is ≈ €220,000. This figure is estimated from the gross margin of €133,535 and 114 comparable companies (NACE 70). It probably lies between €190,000 and €260,000.Financials
Is Spiaggia profitable?
In financial year 2025, Spiaggia made a profit of €58,178.
Where can I find the annual accounts of Spiaggia?
Spiaggia filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Spiaggia due?
Spiaggia must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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