SPIDER-CONCEPT
ActiveSPIDER-CONCEPT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94k and a net result of €80k. Equity is growing by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 51% of 27358 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
86
/ 100
Excellent▲ +3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency85▲+34
Growth63=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.62 against 1.21 in 2024), but 52% 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
48%
Return on assets
40.9%
Age of the figures
11 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 04-05-2026, 4 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
4 d late
2024
23 d early
2023
on the day
2022
3 d early
2021
3 d late
2020
1 d early
2019
22 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€683k▲ 35.1%
2022 · €506k
2018: €686k
2019: €587k
2020: €491k
2021: €440k
2022: €506k
2018 → 2023
EBIT margin
16.6%▲ 12.1pp
2022 · 4.5%
2018: 5.0%
2019: 7.1%
2020: 7.2%
2021: 1.9%
2022: 4.5%
2018 → 2023
Net result
€80k▼ 14.3%
2024 · €93k
2018: €19k
2019: €26k
2020: €26k
2021: €4k
2022: €15k
2023: €77k
2024: €93k
2018 → 2025
Working capital
€59k▲ 82.7%
2024 · €32k
2018: €-10k
2019: €23k
2020: €65k
2021: €55k
2022: €19k
2023: €31k
2024: €32k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€440k-€506k▲ 14.9%€683k▲ 35.1%
Equity€89k-€64k▼ 28.5%€80k▲ 26.6%€74k▼ 8.3%€94k▲ 27.1%
Operating result€8k-€23k▲ 176%€113k▲ 401%€130k▲ 14.8%€110k▼ 15.2%
Net result€4k-€15k▲ 229%€77k▲ 423%€93k▲ 21.4%€80k▼ 14.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €195k
Fixed assets
€42k▼ 30.6%
Current assets
€153k▼ 18.2%
Equity and liabilities €195k
Equity
€94k▲ 27.1%
Debt
€102k▼ 41.7%
The debt ratio falls from 70.3% to 52.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€130k▼
2024 · €153k
Cash flow
€100k▼
2024 · €117k
Solvency
48.0%▲
2024 · 29.7%
Current ratio
1.62▲
2024 · 1.21
Quick ratio
1.62▲
2024 · 1.21
Debt / equity
1.08▼
2024 · 2.36
ROE
85.3%▼
2024 · 126.5%
ROA
40.9%▲
2024 · 37.6%
Interest coverage
36.91▲
2024 · 35.55
Debt
€102k▼
2024 · €174k
Debt ≤ 1 year
€95k▼
2024 · €155k
Debt > 1 year
€7k▼
2024 · €19k
Income taxes
€27k▼
2024 · €32k
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€248k€195k▼
Fixed assets21/28€61k€42k▼
Tangible fixed assets22/27€30k€11k▼
Plant, machinery and equipment23€1k€245▼
Furniture and vehicles24€28k€11k▼
Financial fixed assets28€31k€31k=
Current assets29/58€187k€153k▼
Amounts receivable within one year40/41€146k€70k▼
Trade receivables40€146k€40k▼
Other amounts receivable41-€30k
Cash at bank and in hand54/58€38k€80k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€248k€195k▼
Equity10/15€74k€94k▲
Contributions10/11€19k€19k=
Reserves13€55k€75k▲
Non-distributable reserves130/1€55k€2k▼
Reserves not available under the articles1311€55k€2k▼
Distributable reserves133-€73k
Profit (loss) carried forward14€386-
Amounts payable17/49€174k€102k▼
Amounts payable after more than one year17€19k€7k▼
Financial debts170/4€19k€7k▼
Amounts payable within one year42/48€155k€95k▼
Current portion of amounts payable after more than one year42€26k€25k▼
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€53k€24k▼
Taxes450/3€52k€24k▼
Remuneration and social security454/9€1k-
Other amounts payable47/48€71k€43k▼
Income statement
Code20242025
Remuneration, social security and pensions62€126-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€20k▼
Other operating charges640/8€5k€385▼
Non-recurring operating charges66A€291-
Gross operating margin9900€158k€131k▼
Operating profit (loss)9901€130k€110k▼
Financial income75/76B€0€2▲
Recurring financial income75€0€2▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€126k€107k▼
Income taxes67/77€32k€27k▼
Profit (loss) for the period9904€93k€80k▼
Profit (loss) for the period to be appropriated9905€93k€80k▼
Appropriation of the result
Profit (loss) to be appropriated9906€117k€80k▼
Profit (loss) brought forward from the previous period14P€24k€386▼
Transfer to equity691/2€17k€20k▲
To other reserves6921€17k€20k▲
Profit to be distributed694/7€100k€60k▼
Return on contributions (dividend)694€100k€60k▼
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
2026
04-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
07-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €93k ▲21.4%
Operating result €130k, net result €93k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
03-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
30-09
Financial
Weakest financial yearnet €4k ▼83%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2025
Thierry POTTIE
CurrentDirector · since 18-02-2025
18-02-2025
Thierry POTTIE: Appointed as Director
18-02-2025
Alain LEJEUNE: Resigned as Director
Location & real-estate footprint
Registered office, Charleroi · 1 establishment unit since 2008
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.
Rue du Sarty 40C6040 CharleroiGround area
1,231 m²
Building footprint
146 m²
Volume, LiDAR
1,024 m³
Parcel 52363E0329/00Y003, Wallonia · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Sarty 40C, 6040 Charleroi
since 20082.169.437.464
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52363E0329/00Y003 | Wallonia | 1,231 m² | 1 · 146 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
VL IMMO
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CTL CONTRUCT
BE 0543.587.505
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INDEXPLUS
BE 0648.695.616
Evere · Eq €94k
CITY NETWORK ASSOCIATES
BE 0862.539.935
Anderlecht · Eq €94k
SANIGO
BE 0474.111.848
Geel · Eq €94k
Of 4,060 companies in sector 43240 we hold annual accounts for 1,616. 1,355 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-10-2007
Fiscal year end30-09
Activities, NACEBEL
43240Other construction installation
43299Specialised construction activities
49410Freight transport by road
43222Installation of electric heating, air conditioning, cooling and ventilation
43320Joinery installation
52260Warehousing and support activities for transportation
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.