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Complete company report
Generated 30-07-2026
Active BE 0861.257.951Private limited company

SPIBA

Dorp 80 ·2382 Ravels, Belgium· 22 yrs active
Sector: Financial services (64210)
Conclusion Checked

SPIBA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 22 yrs
Locations 1
Publications 1
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Long-established
Founded in 2003, 22 years in business.
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
Financial overview10 NBB filings
Financials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2025 (verkort). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
30-06-2025 verkort 13-02-2026 2026-00038189
30-06-2024 verkort 21-02-2025 2025-00040360
30-06-2023 verkort 26-02-2024 2024-00034323
30-06-2022 micro 21-02-2023 2023-00031303
30-06-2021 micro 23-02-2022 2022-06200164
30-06-2020 micro 24-02-2021 2021-06600170
30-06-2019 micro 21-01-2020 2020-01700004
30-06-2018 micro 28-12-2018 2018-75600398
30-06-2017 micro 30-01-2018 2018-02500042
30-06-2016 verkort 24-01-2017 2017-01800550
Legal Structure
NACE primary Financial services(64210)
Legal form Private limited company(610)
Incorporation23-10-2003
StatusActive
Postal code2382
Establishment units 1 location
Spiba
Dorp 80, 2382 Ravelsmanagementsactiviteiten van holdings : het tussenkomen in het dagelijks bestuur, het vertegenwoordigen van bedrijven op grond van het bezit van of controle over het maatschappelijk kapitaal en andere
since 20042.144.202.222
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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.
13033B0371/00F000 Flanders 626 m² 1 · 182 m² 10.7 m · 2 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.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
13-02-2026
NBB filing Annual accounts filed
fiscal year 2025 · verkort
2025
21-02-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
26-02-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
2023
20-07-2023
State Gazette act Director changes
Carla Janssens
21-02-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
23-02-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
24-02-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
21-01-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2018
28-12-2018
NBB filing Annual accounts filed
fiscal year 2018 · micro
30-01-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
24-01-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 3 years ago
2023
20-07-2023 2 directors appointed Director changes·Carla Janssens
  • DE BACKER Anne Sophie Paula Elisabeth Marie, Bestuurder
  • SPIRITUS Tom Jaak Richard, Bestuurder
Notary: Carla Janssens · Nijlen
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "DE BACKER Anne Sophie Paula Elisabeth Marie",
        "address": "2382 Ravels (Poppel), Dorp 80",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "SPIRITUS Tom Jaak Richard",
        "address": "2382 Ravels (Poppel), Dorp 80",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "successor_conditional",
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "correction",
      "role": null,
      "person": null,
      "reason": null,
      "subkind": "rectification",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "substantive_delegation",
      "role": "gedelegeerd_bestuurder",
      "person": null,
      "reason": null,
      "subkind": "additional",
      "via_org": {
        "kbo": null,
        "name": "BV van der Linden Favril",
        "address": "Sint Jobsstraat 259, 2200 Herentals",
        "country": "BE",
        "legal_form": "BV"
      },
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": "Carla Janssens",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Nijlen",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2023-07-20",
    "filing_date": "2023-07-18",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2023-07-12",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0861.257.951",
    "name_full": "SPIBA",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Carla Janssens",
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "uitgifte van de akte",
    "geco\u00F6rdineerde statuten"
  ],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210Praktijken van specialisten86220Activiteiten van medisch specialisten86220
Primary activity highlighted.
Names & trade names
Legal nameNL SPIBA
Registered office
Dorp 80
2382 Ravels, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative