SPIENOZA
ActiveSPIENOZA has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €125k and a net result of €116k. Equity is growing by ~51.4% per year across the filed fiscal years. Its solvency ranks better than 69% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
98
/ 100
Excellent▼ -2 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.72 against 2.57 in 2024), and 26.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
73.5%
Return on assets
68%
Age of the figures
8 mo
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 21-05-2026, 71 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
71 d early
2024
70 d early
2023
63 d early
2022
97 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€125k▼ 14.9%
2024 · €147k
2022: €9k
2023: €36k
2024: €147k
2022 → 2025
Total assets
€171k▼ 21.4%
2024 · €217k
2022: €26k
2023: €79k
2024: €217k
2022 → 2025
Net result
€116k▲ 4.6%
2024 · €111k
2022: €3k
2023: €27k
2024: €111k
2022 → 2025
Working capital
€78k▼ 28.4%
2024 · €109k
2022: €-1k
2023: €16k
2024: €109k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€9k-€36k▲ 292%€147k▲ 305%€125k▼ 14.9%
Operating result€5k-€35k▲ 657%€142k▲ 303%€151k▲ 5.8%
Net result€3k-€27k▲ 725%€111k▲ 309%€116k▲ 4.6%
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 three years in a row; 2025 is 6% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €171k
Fixed assets
€47k▲ 23.7%
Current assets
€123k▼ 31.0%
Equity and liabilities €171k
Equity
€125k▼ 14.9%
Debt
€45k▼ 35.0%
The debt ratio falls from 32.1% to 26.5%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€160k▲
2024 · €147k
Cash flow
€125k▲
2024 · €116k
Solvency
73.5%▲
2024 · 67.9%
Current ratio
2.72▲
2024 · 2.57
Quick ratio
2.72▲
2024 · 2.57
Debt / equity
0.36▼
2024 · 0.47
ROE
92.6%▲
2024 · 75.3%
ROA
68.0%▲
2024 · 51.1%
Interest coverage
856.13▼
2024 · 939.79
Debt
€45k▼
2024 · €70k
Debt ≤ 1 year
€45k▼
2024 · €70k
Income taxes
€35k▲
2024 · €31k
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€217k€171k▼
Fixed assets21/28€38k€47k▲
Tangible fixed assets22/27€38k€47k▲
Land and buildings22€15k€23k▲
Plant, machinery and equipment23€6k€10k▲
Furniture and vehicles24€17k€13k▼
Current assets29/58€179k€123k▼
Amounts receivable within one year40/41€69k€114k▲
Trade receivables40€2k€91k▲
Other amounts receivable41€66k€23k▼
Cash at bank and in hand54/58€110k€9k▼
Equity and liabilities
Total equity and liabilities10/49€217k€171k▼
Equity10/15€147k€125k▼
Contributions10/11€6k€6k=
Reserves13€141k€119k▼
Distributable reserves133€141k€119k▼
Amounts payable17/49€70k€45k▼
Amounts payable within one year42/48€70k€45k▼
Trade debts44€20k€315▼
Suppliers440/4€20k€315▼
Taxes, remuneration and social security45€50k€45k▼
Taxes450/3€50k€45k▼
Income statement
Code20242025
Remuneration, social security and pensions62€1k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€9k▲
Other operating charges640/8-€502
Gross operating margin9900€149k€161k▲
Operating profit (loss)9901€142k€151k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€157€187▲
Recurring financial charges65€157€187▲
Profit (loss) for the period before taxes9903€142k€151k▲
Income taxes67/77€31k€35k▲
Profit (loss) for the period9904€111k€116k▲
Profit (loss) for the period to be appropriated9905€111k€116k▲
Appropriation of the result
Profit (loss) to be appropriated9906€111k€116k▲
Transfer from equity791/2-€138k
Transfer to equity691/2€111k€116k▲
To other reserves6921€111k€116k▲
Profit to be distributed694/7-€138k
Return on contributions (dividend)694-€138k
The notes to these accounts (5 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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €116k ▲4.6%
Operating result €151k, net result €116k, both a record.
22-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €147k ▲305%
3 profitable years in a row build equity to €147k.
29-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Geetbets · 1 establishment unit since 2022
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.
Verdaelstraat 983450 GeetbetsGround area
3,427 m²
Building footprint
213 m²
Volume, LiDAR
988 m³
Parcel 24032A0130/00F000, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SPIENOZA
since 20222.329.855.569
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24032A0130/00F000 | Flanders | 3,427 m² | 1 · 213 m² | 6.8 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
ASTER
BE 0434.641.756
Sint-Niklaas · Eq €125k
VALESCURE CONSULT
BE 0775.714.542
Modave · Eq €125k
Bloomer
BE 0801.371.141
Zwevegem · Eq €125k
PHARILCO
BE 0748.568.497
Beerse · Eq €125k
SIEMES SOLUTIONS
BE 0533.885.921
Lommel · Eq €125k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 40,707 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-03-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.spienoza.be
E-mail:info@spienoza.be