SPIDER ACCES
ActiveThe computed 12-month bankruptcy probability of SPIDER ACCES is 1.9% (moderate). The 2025 annual accounts show equity of €69k and a net result of €15k. Equity is growing by ~26.6% per year across the filed fiscal years. Its solvency ranks better than 49% of 27711 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability64▼-1
Solvency71▲+9
Growth84▲+9
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.01 against 0.87 in 2024; short-term debt: 54.1% and cash: 23.1% of total assets), and 54.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
45.9%
Return on assets
9.8%
Age of the figures
15 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-12-2025, 44 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
44 d early
2024
51 d early
2023
47 d early
2022
5 d early
2021
5 d early
2020
55 d early
2019
8 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€1.23M▲ 70.3%
2024 · €724k
2019: €425k
2020: €294k
2021: €243k
2022: €343k
2023: €394k
2024: €724k
2019 → 2025
EBIT margin
1.7%▼ 0.4pp
2024 · 2.1%
2019: 3.4%
2020: 2.5%
2021: 1.7%
2022: 3.0%
2023: 3.1%
2024: 2.1%
2019 → 2025
Net result
€15k▲ 28.7%
2024 · €11k
2019: €11k
2020: €6k
2021: €3k
2022: €8k
2023: €9k
2024: €11k
2019 → 2025
Working capital
€742
2024 · €-11k
2019: €9k
2020: €13k
2021: €21k
2022: €47k
2023: €22k
2024: €-11k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€243k-€343k▲ 40.9%€394k▲ 14.9%€724k▲ 83.8%€1.23M▲ 70.3%
Equity€26k-€34k▲ 29.3%€43k▲ 26.7%€54k▲ 26.6%€69k▲ 27.0%
Operating result€4k-€10k▲ 151%€12k▲ 20.7%€15k▲ 25.0%€22k▲ 40.3%
Net result€3k-€8k▲ 141%€9k▲ 17.5%€11k▲ 26.1%€15k▲ 28.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 40% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €151k
Fixed assets
€68k▼ 6.7%
Current assets
€82k▲ 12.2%
Equity and liabilities €151k
Equity
€69k▲ 27.0%
Debt
€81k▼ 11.6%
The debt ratio falls from 62.9% to 54.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€35k▲
2024 · €34k
Cash flow
€28k▼
2024 · €31k
Solvency
45.9%▲
2024 · 37.1%
Current ratio
1.01▲
2024 · 0.87
Quick ratio
1.01▲
2024 · 0.87
Debt / equity
1.18▼
2024 · 1.69
ROE
21.3%▲
2024 · 21.0%
ROA
9.8%▲
2024 · 7.8%
Interest coverage
52.61▲
2024 · 38.89
Debt
€81k▼
2024 · €92k
Debt ≤ 1 year
€81k▼
2024 · €85k
Income taxes
€6k▲
2024 · €3k
Staff costs
€2k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€147k€151k▲
Fixed assets21/28€73k€68k▼
Tangible fixed assets22/27€53k€47k▼
Plant, machinery and equipment23€3k€10k▲
Furniture and vehicles24€50k€37k▼
Financial fixed assets28€20k€22k▲
Current assets29/58€73k€82k▲
Amounts receivable within one year40/41€55k€42k▼
Trade receivables40€52k€23k▼
Other amounts receivable41€3k€19k▲
Cash at bank and in hand54/58€14k€35k▲
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€147k€151k▲
Equity10/15€54k€69k▲
Contributions10/11€8k€8k=
Reserves13-€14k
Distributable reserves133-€14k
Profit (loss) carried forward14€46k€47k▲
Amounts payable17/49€92k€81k▼
Amounts payable after more than one year17€8k-
Financial debts170/4€8k-
Amounts payable within one year42/48€85k€81k▼
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€62k€60k▼
Suppliers440/4€62k€60k▼
Taxes, remuneration and social security45€15k€15k▼
Taxes450/3€3k€6k▲
Remuneration and social security454/9€12k€8k▼
Income statement
Code20242025
Turnover70€724k€1.23M▲
Goods, raw materials, services and sundry goods60/61€690k€1.19M▲
Remuneration, social security and pensions62-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€13k▼
Other operating charges640/8€82€2k▲
Non-recurring operating charges66A-€13k
Gross operating margin9900€35k€52k▲
Operating profit (loss)9901€15k€22k▲
Financial income75/76B€68€12▼
Recurring financial income75€68€12▼
Financial charges65/66B€887€666▼
Recurring financial charges65€887€666▼
Profit (loss) for the period before taxes9903€15k€21k▲
Income taxes67/77€3k€6k▲
Profit (loss) for the period9904€11k€15k▲
Profit (loss) for the period to be appropriated9905€11k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€46k€61k▲
Profit (loss) brought forward from the previous period14P€35k€46k▲
Transfer to equity691/2-€14k
To other reserves6921-€14k
The notes to these accounts (9 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
2025
18-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €15k ▲28.7%
Operating result €22k, net result €15k, both a record.
2024
11-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
15-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €3k ▼43.1%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
2020
07-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Liquidity triplescurrent ratio 7.51
Current ratio from 2.18 to 7.51; short-term debt falls from €7k to €2k.
23-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB 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, Anderlecht · 1 establishment unit since 2018
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.
Industrielaan 91070 AnderlechtGround area
1.7 ha
Building footprint
4,594 m²
Volume, LiDAR
73,852 m³
2 parcels, Brussels, Flanders · tallest building 28.4 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
SPIDER ACCES
since 20182.271.645.176
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21306C0289/00B004 | Brussels | 9,782 m² | 1 · 4,538 m² | 28.4 m · 7 fl. |
| 23077A0056/00N004indicative | Flanders | 7,295 m² | 1 · 56 m² | 4.2 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Pirrello & Fils
BE 0629.911.169
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ACDS CARRELAGES
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Assesse · Eq €69k
VLOER- EN TEGELWERKEN GUY BROSENS
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EHIN
BE 0735.602.171
Antwerpen · Eq €69k
PERFECT BATIMENT
BE 0792.386.961
Sint-Pieters-Leeuw · Eq €69k
Of 3,963 companies in sector 43331 we hold annual accounts for 1,791. 1,562 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2018
Fiscal year end30-06
Activities, NACEBEL
43331Floor and wall tiling
41001General construction of residential buildings
43310Plastering work
43332Laying of wooden floor and wall coverings
43341Painting of buildings
43422Screed work
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.