Financials
- Financial year
- 2025
- Total assets
- €685,131
- Profit
- €108,254
- Solvency
- 16.4%
SPIK & SPAAK
ActiveSummary
SPIK & SPAAK has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €112,421 and a net result of €108,254. Its solvency ranks better than 35% of 22,238 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Overview
Activity
Retail sale of bicycles
NACE 47632
2 sites
Size
€685,131total assets 2025
- Staff
- 1.1 FTE
- Equity
- €112,421
- Profit
- €108,254
Turnover not published (micro format)
Structure
Accounts 7 days early0 of 1 deed read
Why 70raises riskFounded in 2025Sector: Retail trade (NACE 47)lowers riskSize: total assets €685,131Figures for financial year 2025 (filed 23-04-2026)Show the evidence
Checked score
Score 2025
70
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 55% of its sector peers (NACE 47, micro)
Financial strength
Strong
Solvency
41
equity 16.4% of total assets
Liquidity
50
short-term debt 31.8% · cash 10.7%
Profitability
89
return on assets 15.8%
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
04-2026: 2.1%
05-2026: 2.1%● unchanged vs 04-2026
06-2026: 2.2%▲ +0.1 percentage points vs 05-2026
07-2026: 2.5%▲ +0.3 percentage points vs 06-2026
08-2026: 2.7%▲ +0.2 percentage points vs 07-2026
09-2026: 3.0%▲ +0.3 percentage points vs 08-2026highest value
10-2026: 0.6%▼ -2.4 percentage points vs 09-2026lowest value
Credit of up to €7,000 on 30-day terms, only on tighter conditions
Liquidity insufficient (current ratio 0.86; short-term debt: 31.8% and cash: 10.7% of total assets), and 83.6% of the assets are financed with debt.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 47, micro): better than 32% on solvency, 50% on liquidity and 83% on profitability.
The bankruptcy probability was computed on 09-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-04-2026, 7 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
7 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
Company details
- Sites
- 2
- Legal form
- Private limited company
- Activity
- Retail sale of bicyclesNACE 47632
- Founded
- 25-03-2025
- Year ends
- 30-09
- Peppol
- Reachable for e-invoices
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How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark Is the workforce growing, and do people stay?Employer check
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