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Generated 12-08-2026
Active BE 0788.356.216Private limited company

SPIETZ

Rue de l' Egalité 23 ·1470 Genappe, Belgium· 4 yrs active
Sector: Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies (70200)
Conclusion Checked

The computed 12-month bankruptcy probability of SPIETZ is 0.6% (low). The 2024 annual accounts show equity of €247k and a net result of €-597. Its solvency ranks better than 95% of 12464 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €247k
Net result €-597
Better than sector 95%
Active 4 yrs
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health35Profitability0Solvency67Growth-Stability79
45 / 100

Mixed profile: strong on stability, weaker on profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 35
Profitability 0
Solvency 67
Growth -
Stability 79
Bankruptcy probability (12 mo) Checked model v1 · free
0.6% Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
35 / 100 Weak
050100
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 03-09-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 94.9% 60.6%
better than 95% of 12464 sector peers
Net result €-597 €31k
better than 15% of 12466 sector peers
Equity €247k €63k
better than 88% of 12472 sector peers
Total assets €260k €124k
better than 76% of 12465 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA-
Net profit€-597
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€260k
Equity€247k
Debt€13k
of which ≤ 1y€13k
of which > 1y-
Working capital€-10k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.27
Quick ratio0.27
Working capital ratio-3.7%
Solvency94.9%
Debt / equity0.05
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-0.2%
ROE-0.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€260k
Fixed assets 21/28€256k
Financial fixed assets 28€256k
Current assets 29/58€4k
Amounts receivable within one year 40/41€2k
Cash & bank 54/58€2k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€260k
Equity 10/15€247k
Contributions / capital 10/11€261k
Accumulated profits (losses) 14€-14k
Amounts payable 17/49€13k
Amounts payable within one year 42/48€13k
Trade debts payable within one year 44€12k
Income statement
Operating result 9901€-538
Financial charges 65€59
Result before taxes 9903€-597
Net result for the period 9904€-597
Result to be appropriated 9905€-597
Ratios computed by Checked.
Legal Structure
NACE primary Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies(70200)
Legal form Private limited company(610)
Incorporation07-07-2022
StatusActive
Postal code1470
Establishment units 1 location
Spietz
Rue de l' Egalité 23, 1470 GenappeDetailhandel in ijzerwaren en gereedschappen
since 20222.337.239.744
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Updates 1 events

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

2025
03-09-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
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.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Detailhandel in verf en verfwaren in gespecialiseerde winkels47526Detailhandel in verf en verfwaren47526Holdings64200Activiteiten van holdings64210Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameFR SPIETZ
Registered office
Rue de l' Egalité 23
1470 Genappe, 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