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Spier Construct

Active Coöperatieve vennootschap met beperkte aansprakelijkheidfounded 2016active for 10 yearsSteenweg op Gierle 115, 2300 TurnhoutKBO/BCE: BE 0658.956.731
Spier Construct
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Overview

Lifetime

9 annual accounts with figures on one time axis
peak €142,121 (2022)
-€1,075▲ €5,715
lowest -€167,812 (2023)
-€1,559▲ €10,603
peak €125,499 (2022)
-€56,035▼ €1,559
€140,085▼ 15.9%
Board3 names since 2016
2 directorsLiesAnn BV and 1 other
Owners2 names in the annual accounts
50%DVDP and 1 other
Documentsfilings and deeds
11-03-202639 days late
2025abbreviated format
Gross margin from -€6,791 to -€1,075Loss of €1,559Debts from €166,560 to €140,085Cash from €9,583 to €2,528

Key points

from the 2025 annual accounts

Equity

-€56,035
202020212022202320242025

Debts exceed assets in financial year 2025.

Losses

-€181,534 in three years
-167,8122023-12,1622024-1,5592025

Every financial year from 2023 to 2025 closed with a loss. 2023 was the heaviest.

Debts

€140,085 167% of the balance sheet
2025 accounts filed 39 days after the deadlineTurnover not published (abbreviated or micro format)

Checked score

48
Fair
Financially stronger than 15% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.4% Moderate
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 4.2% 01-2025: 4.5%▲ +0.3 percentage points vs 12-2024highest value 02-2025: 2.6%▼ -1.9 percentage points vs 01-2025 03-2025: 2.6%● unchanged vs 02-2025 04-2025: 2.6%● unchanged vs 03-2025 05-2025: 2.6%● unchanged vs 04-2025 06-2025: 2.6%● unchanged vs 05-2025 07-2025: 2.6%● unchanged vs 06-2025 08-2025: 2.6%● unchanged vs 07-2025 09-2025: 2.5%▼ -0.1 percentage points vs 08-2025 10-2025: 2.5%● unchanged vs 09-2025 11-2025: 2.4%▼ -0.1 percentage points vs 10-2025 12-2025: 2.4%● unchanged vs 11-2025lowest value 01-2026: 2.6%▲ +0.2 percentage points vs 12-2025 02-2026: 3.0%▲ +0.4 percentage points vs 01-2026 03-2026: 3.2%▲ +0.2 percentage points vs 02-2026 04-2026: 3.5%▲ +0.3 percentage points vs 03-2026 05-2026: 3.5%● unchanged vs 04-2026 06-2026: 3.5%● unchanged vs 05-2026 07-2026: 3.5%● unchanged vs 06-2026 08-2026: 3.5%● unchanged vs 07-2026 09-2026: 3.4%▼ -0.1 percentage points vs 08-2026 10-2026: 3.4%● unchanged vs 09-2026 11-2026: 3.4%● unchanged vs 10-2026

Financial strength
Weak

0=equity -66.7% of total assets
4-7short-term debt 166.7% · cash 3.0%
33+23return on assets -1.9%

Score breakdown

raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Last filed accounts filed 40 days late; 1 of the last 3 accounts late
Negative equity -€56,035
lowers risk
Size: total assets €84,050
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 41, micro). It does better than 3% of them on solvency, 5% on liquidity, 20% on profitability and 31% on growth.

The bankruptcy probability was computed on 08-11-2026 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.

The probability rests on the annual accounts with balance sheet date 30-06-2025.

Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.

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).

Comparable companies, two years later

In July 2024, 2,333 companies had the same profile as Spier Construct has now. Each dot stands for 6 companies, two years later.

90.5%
were still trading
5.8%
stopped another way
2.8%
went bankrupt
  • Micro
  • 10 to 20 years old
  • negative equity
  • a small loss

Another 0.8% stopped without a precise date, possibly only after those two years.

That fits the bankruptcy probability of Spier Construct itself: 3.4% within 12 months.

Test of the method

The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 2,333 companies, not a prediction for Spier Construct. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

No credit on open account

Liquidity is insufficient, with a current ratio of 0.6 (0.67 in 2024), below 1. Short-term debt is 166.7% and cash 3% of total assets. Equity is negative.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · Last filed accounts filed 40 days late; 1 of the last 3 accounts late
NBB · filings
lowers risk · Size: total assets €84,050
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 · Negative equity -€56,035
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
19202122232425
2019 to 2025 · latest year -€56,035
raises risk · 2025 accounts filed 39 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 11-03-2026, 39 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 · 9 filings
Deviation from the deadline
2025
39 days late
2024
on the day
2023
26 days late
2022
32 days early
2021
41 days early
2020
38 days early
2019
45 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average on the deadline day. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 31 January (4 of the last 5 accounts filed within 39 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end09-11-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

LB
LiesAnn BV
Director, since 07-07-2016
DB
DVDP BV
Director, since 01-04-2018
  • DVDP 50%score 82equity €226,326 (2025) · 30-06-2025 annual accounts of DVDP
  • LiesAnn 50%equity €178,690 (2025) · 2025 annual accounts of LiesAnn
Board & ownership

Recent changes

Environmental permit granted Verbouwen / Wijzigen Infrastructuur · Herentals
Environmental permit granted Bouwen of herbouwen, Nieuwbouw of aanleggen, Slopen van niet vrijstaande gebouwen of constructies and 1 more · Herentals
Resignation: AXIE BVBA (director) Director discharge: AXIE BVBA · General meeting of 09-10-2019 · Gazette deed
Environmental permit granted Bouwen of herbouwen, Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden · Lille
All 23 events

Comparable companies

same main activity, similar in size and age
Company
Spier Construct Turnhout €84,050 -€1,075 -66.7% -
MT Bouw Geel €80,895 -€671 87.7% -
T.C.G. Mol €84,272 -€35,789 17.2% -
Korabo Geel €91,177 -€11,672 54.9% -
LATHI CONSTRUCT Retie €74,184 -€2,617 99.8% -
C & W CONSTRUCT Hulshout €70,528 -€25,336 47.5% -
2000 Projects Kontich €108,228 -€13,507 18.6% -

These companies have the same main activity as Spier Construct: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €70,500 and €108,000, founded between 2015 and 2017.

Official details

Source: KBO
Status
Active since 13-07-2016Normal situation
Activity
General construction of residential buildingsNACE 41001
Establishment unit
2.257.695.4872300 Turnhout, since 13-07-2016
Financial year end
30 June
Peppol
Not found in the Peppol Directory
Company details

Annual accounts to 30-06-2025

-€1,075▲ 84.2%
€1,559▼ 87.2%
-€56,035▼ 2.9%
€84,050▼ 25.0%
Filing
Filed on 11-03-2026
Financials

Insights on Spier Construct

Spier Construct files the abbreviated format. That format states no turnover. The gross margin rose from -€6,342 in 2017 to -€1,075 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

abbreviated format, filed on 11-03-2026, 39 days late
-€1,075
▲ €5,715
-€1,195
▲ €10,087
-€1,559
▲ €10,603
-€56,035
▼ €1,559
-66.7%
▼ 18.1 percentage points
0.60
▼ 0.07

Turnover and EBIT margin are not published. The abbreviated or micro format does not require them.

Balance sheet

balance sheet total €84,050 on 30-06-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

-66.7%

Lower than 95% of 2,816 companies in 2025.

0.60

Higher than 9% of 2,745 companies in 2025.

-1.9%

Higher than 20% of 2,781 companies in 2025.

Spier Construct Middle half of the sector 80% of the sector Abbreviated accounts in construction of buildings (NACE 41)

Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend202520242023202220212020201920182017
Balance sheet: assets
20/58 84,050112,085176,4061.4m650,502512,342219,720361,644426,576
29/58 84,050112,085176,4061.4m650,502512,342219,720361,644426,576
3 49,06848,07830,000965,515280,640440,00290,492203,499316,258
30/36 49,06848,07830,000965,515280,640440,00290,492203,499316,258
40/41 32,45454,423136,49697,237313,27471,745114,36228,30034,318
40 31,45747,36787,62373,883249,2497,01414,361--
41 9977,05648,87323,35464,02564,730100,00128,30034,318
54/58 2,5289,5839,910336,25856,58859614,865129,43474,068
490/1 ---10---4111,931
Balance sheet: equity and liabilities
10/49 84,050112,085176,4061.4m650,502512,342219,720361,644426,576
10/15 -56,035-54,476-42,313125,49948,724-29,27514,8371,311-17,256
10/11 6,2006,2006,2006,2006,2006,2006,2006,2006,200
100 -----18,60018,60018,60018,600
101 -----12,40012,40012,40012,400
13 119,299119,299119,299119,29942,5248,6378,637--
130/1 1,8601,8601,8601,860676----
130 -----676676--
1311 1,8601,8601,8601,860676----
133 117,439117,439117,439117,43941,8487,9607,960--
14 -181,534-179,974-167,812---44,111--4,889-23,456
17/49 140,085166,560218,7191.3m601,778541,617204,883360,333443,831
17 ---781,044223,838183,250183,250285,000285,000
170/4 ---781,044223,838183,250183,250285,000285,000
42/48 140,085166,560218,719474,016363,739337,9194,25353,246147,878
43 -----250,000---
430/8 -----250,000---
44 -3,55017,069189,313183,4032,106-11,548147,878
440/4 -3,55017,069189,313183,4032,106-11,548147,878
45 --29,45230,99452,580-4,25331,698-
450/3 --29,45230,99452,580-4,25331,698-
47/48 140,085163,011172,198253,709127,75685,814-10,000-
492/3 ---18,46214,20220,44717,38022,08810,953
Income statement
9900 -1,075-6,791-143,846142,121123,854-25,69131,15843,423-6,342
640/8 1201,3465475511,3494989151,079839
66A -3,146-------
9901 -1,195-11,283-144,393141,570122,506-26,18830,24242,344-7,181
75/76B 22623561,7648184,3303,7831,517
75 22623561,7648182963,7831,517
76B ------4,034--
65/66B 37988323,44235,39931,82218,74116,79327,56117,791
65 37988323,44235,39931,82218,74116,79327,56117,791
9903 -1,553-12,161-167,812106,22792,448-44,11117,77918,567-23,456
67/77 72-29,45214,449-4,253--
9904 -1,559-12,162-167,81276,77577,998-44,11113,52618,567-23,456
9905 -1,559-12,162-167,81276,77577,998-44,11113,52618,567-23,456
Appropriation of the result
9906 -181,534-179,974-167,81276,77533,887-44,1118,637-4,889-23,456
14P -179,974-167,812-------
691/2 ---76,77533,887-8,637--
6920 ---1,184--676--
6921 ---75,59133,887-7,960--
Document PDFPDFPDFPDFPDFPDFPDFPDFPDF

The notes to these accounts have 1 item. You find them in the filed accounts (PDF).

Source: Annual accounts 2025 (PDF), filed on 11-03-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 39 days after the deadline. Filed on 11 March 2026, deadline 31 January 2026 (7 months after the close on 30 June 2025, Companies Code art. 3:10). Source: NBB, 2026-00052345.

Financial year Type Filed Reference Document
30-06-2025 abbreviated format 11-03-2026 2026-00052345 PDF
30-06-2024 abbreviated format 31-01-2025 2025-00018688 PDF
30-06-2023 abbreviated format 26-02-2024 2024-00034074 PDF
30-06-2022 micro format 30-12-2022 2023-20551003 PDF
30-06-2021 micro format 21-12-2021 2021-80800406 PDF
30-06-2020 micro format 24-12-2020 2020-77000478 PDF
30-06-2019 micro format 16-03-2020 2020-06700001 PDF
30-06-2018 micro format 15-01-2019 2019-01200213 PDF
30-06-2017 micro format 21-12-2017 2017-72400529 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend202520242023202220212020201920182017
-7,055-327-326,348279,67055,992-14,270-114,56955,366-
-56,035-54,476-42,313925,005286,763174,423215,467308,398278,697
-66.7%-48.6%-24.0%9.0%7.5%-5.7%6.8%0.4%-4.0%
0.600.670.812.951.791.5251.666.792.88
0.250.380.670.911.020.2130.382.970.75
---10.1512.35-13.81--
---61.2%160.1%-91.2%--
-1.9%-10.9%-95.1%5.5%12.0%-8.6%6.2%5.1%-5.5%

Debt to equity is not shown because equity is negative. Debt divided by negative equity means nothing.

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Insights on Spier Construct

The operating result for 2025 is a loss of €1,195, smaller than the loss of €11,283 in 2024.

Equity is negative. Debt (€140,085) exceeds the balance-sheet total (€84,050).

Board & ownership

Board

2 directors, last change in 2019
LiesAnn BV
Director
since 07-07-2016
listed in the 2025 annual accounts, filed on 11-03-2026
DVDP BV
Director
since 01-04-2018
listed in the 2025 annual accounts, filed on 11-03-2026

Office holders in the KBO →

Mandates through the years

3 names, the dashed line is today
LiesAnn BV
Director
DVDP BV
Director
AXIE BVBA
Director
BoardEarliermandate already running before its first mention
Mandates as a list
  • LiesAnn BV
    • Director, from 07-07-2016 to date
  • DVDP BV
    • Director, from 01-04-2018 to date
  • AXIE BVBA
    • Director, until 09-10-2019

See the board, name and registered office on a given date →

Control

Shareholder
DVDP
Equity €226,326
Profit €17,450 in 2025 (loss €11,885 in 2024)
Checked score 82
50%
This company
Spier Construct
Equity -€56,035
Loss €1,559 in 2025

and 1 other shareholder

Capital

Contribution
€6,200
Source
2025 annual accounts

Owners through the years

as the annual accounts name them
DVDP
50%
50%
LiesAnn
33.33%50%
50%
Owners as a list

Source: lists of holdings in the owners' accounts

Shareholders

2 owners

Owners 2

Network & group

No group

Spier Construct has no parent and no holdings in its annual accounts.

At the same address

Steenweg op Gierle 115, 2300 Turnhout · 1 other company
B3 INVEST
registered office since 25-11-2014 · founded in 2014
 total assets €120,957 (2025)
0505.672.678

Connections & network

2 current directors
Depth

The network starts from the directors of Spier Construct. Every other company they run is a node.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

Timeline

Timeline

23 events since 2016

Deadline for the 2026 accounts: 31-01-2027

2026
Annual accounts 2025 filed PDFabbreviated format · 39 days late
2025
Annual accounts 2024 filed PDFabbreviated format · on the deadline day
2024
Annual accounts 2023 filed PDFabbreviated format · 26 days late
2023
Weakest financial year net -€167,812 The net result drops to -€167,812, the lowest from 2017 to 2025. It recovers the following year.
2022
Annual accounts 2022 filed PDFmicro format · 32 days before the deadline
Environmental permit granted OmgevingsloketVerbouwen / Wijzigen Infrastructuur · Herentals
Equity above €100,000 equity €125,499 ▲158% After 2 profitable years in a row, equity reaches €125,499.
2021
Annual accounts 2021 filed PDFmicro format · 41 days before the deadline
Back to profit net €77,998 The net result is €77,998, after one loss-making year.
2020
Annual accounts 2020 filed PDFmicro format · 38 days before the deadline
Environmental permit granted OmgevingsloketBouwen of herbouwen, Nieuwbouw of aanleggen, Slopen van niet vrijstaande gebouwen of constructies and 1 more · Herentals
Annual accounts 2019 filed PDFmicro format · 45 days late
Resignation: AXIE BVBA (director)Director discharge: AXIE BVBA · General meeting of 09-10-20193 points ▸
  • General meeting, 09-10-2019
  • Director resignation, AXIE BVBA
  • Director discharge, AXIE BVBA

Open the deed in the Belgian Official Gazette

2019
Environmental permit granted OmgevingsloketBouwen of herbouwen, Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden · Lille
Liquidity more than 7 times current ratio 51.66 The current ratio rises from 6.79 to 51.66. Short-term debt falls from €53,246 to €4,253.
Environmental permit refused OmgevingsloketBouwen of herbouwen, Verbouwen en/of uitbreiden met het wijzigen van alle zelfstandige gebruikseenheden (unit) binnen het gebouw · Lille
Annual accounts 2018 filed PDFmicro format · 16 days before the deadline
2018
Environmental permit granted OmgevingsloketBouwen of herbouwen · Provincie Antwerpen
Back to profit net €18,567 The net result is €18,567, after one loss-making year.
Liquidity more than doubled current ratio 6.79 The current ratio rises from 2.88 to 6.79. Short-term debt falls from €147,878 to €53,246.
2017
Annual accounts 2017 filed PDFmicro format · 41 days before the deadline
2016
Incorporation PDFpublished on 15-07-2016
First establishment Steenweg op Gierle 115, Turnhout

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 13 July 2016, Spier Construct was incorporated.1 Total assets went from €219,720 in 2019 to €84,050 in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2019 and 2025

Company details

Identity

Enterprise number
0658.956.731
VAT number
BE 0658.956.731
Legal form
Coöperatieve vennootschap met beperkte aansprakelijkheid
Status
Active, normal situation
Founded
13-07-2016
Financial year
ends on 30 June
Peppol
Not found in the Peppol Directory
Name
Spier Construct in Dutch
Entity type
Legal entity

Activities

NACEBEL 2025
41001 General construction of residential buildings main activity
Codes under NACEBEL 2008
41201 General construction of buildings main activity

Registered office and establishments

1 establishment
Establishment Since Unit number
Steenweg op Gierle 115 registered office 2300 Turnhout 22240 Manufacture of rubber and plastic products 13-07-2016 2.257.695.487

Buildings and parcels at the address

Ground area
1,106 m²
Buildings
456 m²
Volume, LiDAR
3,596 m³
Tallest building
14.7 m
Buildings to scale, each on its own parcel
456 m², 14.7 m 456 m², 14.7 m

Environmental permits

7 applications in Flanders since 2018 · 4 granted · 1 refused · 1 under appeal
19-12-2022 Granted Verbouwen / Wijzigen Infrastructuur submitted 28-09-2022 · project 2022126839 Herentals
24-08-2020 Granted Bouwen of herbouwen; Nieuwbouw of aanleggen; Slopen van niet vrijstaande gebouwen of constructies; Verwijderen van vrijstaande gebouwen submitted 15-04-2020 · project 2020048754 Herentals
16-04-2020 Discontinued Bouwen of herbouwen; Nieuwbouw of aanleggen; Slopen van niet vrijstaande gebouwen of constructies submitted 13-04-2020 · project 2020044563 Herentals
14-08-2019 Granted Bouwen of herbouwen; Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden submitted 29-04-2019 · project 2019043751 Lille
14-06-2019 Under appeal Bouwen of herbouwen project 2019065612 Provincie Antwerpen
21-02-2019 Refused Bouwen of herbouwen; Verbouwen en/of uitbreiden met het wijzigen van alle zelfstandige gebruikseenheden (unit) binnen het gebouw submitted 26-10-2018 · project 2018124429 Lille
13-12-2018 Granted Bouwen of herbouwen submitted 18-04-2018 · project 2018041755 Provincie Antwerpen

Source: Omgevingsloket Vlaanderen.

Location

registered office establishment The establishment unit on the map
2 companies at this address See who is registered here

Parcels

Cadastral parcelArea Buildings Height / floors
13453O0351/00E0021,106 m² 1 · 456 m² 14.7 m · 4

Invoicing and payment

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Register as of 9 November 2026 · Peppol Directory

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