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Spîk & Spaan

Active
Private limited companyfounded 2021active for 5 yearsMollenberg 11, 3090 Overijse, BelgiumKBO/BCE: BE 0769.752.210
Summary

The computed 12-month bankruptcy probability of Spîk & Spaan is 1.9% (moderate). The 2025 annual accounts show equity of €15,738 and a net result of €1,471. Equity has been growing by about 9.6% per year since 2022. Its solvency ranks better than 27% of 34,902 sector peers (NACE 43, financial year 2025). The company has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 16-06-2021 Normal situation
Activity
Plastering work NACE 43310
Establishment unit
2.325.109.596 3090 Overijse, since 16-06-2021
Financial year end
31 December
Peppol
Reachable since 06-01-2026

Board and ownership

Board
  • Craps BertenDirector · since 16-06-2021
  • Craps LanderDirector · since 16-06-2021
  • Jannes CrapsDirector · since 16-06-2021

Financial position

53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.9%
Annual accounts 2025
Gross margin
€64,209
▼ 21.2%
Turnover
≈ €240,000
estimated
Profit
€1,471
▲ 283%
Equity
€15,738
▲ 10.3%
Total assets
€62,334
▼ 6.7%
Staff
≈ 1.1 FTE
estimated
  • 2025 accounts filed 31 days after the deadline
Filed on 31-08-2026
Score breakdownraises riskFounded in 2021Last filed accounts filed 31 days late; 1 of the last 3 accounts lateSector: Specialised construction activities (NACE 43)lowers riskLiquidity: current ratio 1.00, cash €7,281, halvedShow the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 34% of micro companies in specialised construction (NACE 43)
Financial strength · tick: 2024
Average
Solvency 50+4
equity 25.2% of total assets
Liquidity 24-18
short-term debt 74.8% · cash 11.7%
Profitability 72+3
return on assets 2.4%
Bankruptcy probability within 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,674 companies, NACE 43, micro)
Last 24 months 12-2024: 2.9% 01-2025: 2.9%● unchanged vs 12-2024 02-2025: 2.5%▼ -0.4 percentage points vs 01-2025 03-2025: 2.5%● unchanged vs 02-2025 04-2025: 2.5%● unchanged vs 03-2025 05-2025: 2.6%▲ +0.1 percentage points vs 04-2025 06-2025: 2.5%▼ -0.1 percentage points vs 05-2025 07-2025: 2.5%● unchanged vs 06-2025 08-2025: 3.1%▲ +0.6 percentage points vs 07-2025 09-2025: 3.2%▲ +0.1 percentage points vs 08-2025highest value 10-2025: 1.6%▼ -1.6 percentage points vs 09-2025 11-2025: 1.6%● unchanged vs 10-2025 12-2025: 1.6%● unchanged vs 11-2025 01-2026: 1.6%● unchanged vs 12-2025 02-2026: 1.6%● unchanged vs 01-2026 03-2026: 1.6%● unchanged vs 02-2026lowest value 04-2026: 1.6%● unchanged vs 03-2026 05-2026: 1.7%▲ +0.1 percentage points vs 04-2026 06-2026: 1.6%▼ -0.1 percentage points vs 05-2026 07-2026: 1.6%● unchanged vs 06-2026 08-2026: 2.2%▲ +0.6 percentage points vs 07-2026 09-2026: 2.0%▼ -0.2 percentage points vs 08-2026 10-2026: 1.9%▼ -0.1 percentage points vs 09-2026 11-2026: 1.9%● unchanged vs 10-2026
Credit of up to €500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 1.0 (0.87 in 2024), below 1. Short-term debt is 74.8% and cash 11.7% of total assets. 74.8% of the assets are financed with debt and provisions.
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 43, micro). It does better than 27% of them on solvency, 14% on liquidity, 41% on profitability and 56% on growth.

The bankruptcy probability was computed on 01-11-2026 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.

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).

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

Signals

Five signals.
lowers riskraises risk
raises risk · Founded in 2021
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Last filed accounts filed 31 days late; 1 of the last 3 accounts late
NBB · filings
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
lowers risk · Liquidity: current ratio 1.00, cash €7,281, halved
NBB · annual accounts
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 4 filings
Deviation from the deadline
2025
31 days late
2024
29 days late
2023
20 days late
2022
31 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 4 accounts on average 28 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 August (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Recent changes

  1. · Gazette deed Incorporation
All 7 events

Comparable companies

These companies have the same main activity as Spîk & Spaan: plastering work (NACE 43310). They are comparable in size and age: total assets between €51,200 and €80,700, founded between 2020 and 2022.

CompanyTotal assetsGross margin
Spîk & Spaan Overijse€62,334€64,209
ABW - PROVO Geel€71,162€72,376
OKA DESIGN Sint-Genesius-Rode€63,298€53,727
Het Kioske Bilzen-Hoeselt€51,206€50,623
2B's-AG Boom€62,893€68,883
DC Plafonnage Hastière€80,737€82,448
PLEISTERTECHNIEKEN HOREMANS Herentals€71,346€51,900
Full comparison

Key facts about Spîk & Spaan

What is the company number of Spîk & Spaan?
The company number of Spîk & Spaan is 0769.752.210. The VAT number is the same number with BE in front: BE 0769.752.210.
Where is Spîk & Spaan based?
The registered office is at Mollenberg 11, 3090 Overijse.Company details
What does Spîk & Spaan do?
According to the KBO register, the main activity is plastering work (NACE 43310).
What is the legal form of Spîk & Spaan?
The legal form of Spîk & Spaan is Private limited company (BV).
When was Spîk & Spaan founded?
Spîk & Spaan was founded on 16-06-2021.
Is Spîk & Spaan still active?
Yes, Spîk & Spaan is an active enterprise in the KBO register.
How many employees does Spîk & Spaan have?
Spîk & Spaan had an average of 1 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
What is the turnover of Spîk & Spaan?
The turnover in financial year 2025 is ≈ €240,000. This figure is estimated from the gross margin of €64,209 and 89 comparable companies (NACE 433). It probably lies between €160,000 and €410,000.
Is Spîk & Spaan profitable?
In financial year 2025, Spîk & Spaan made a profit of €1,471.
Where can I find the annual accounts of Spîk & Spaan?
Spîk & Spaan filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Spîk & Spaan due?
Spîk & Spaan must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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