SPINDLE
ActiveSummary
SPINDLE has been active since 2012 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €131,470 and a net result of €3,694. Equity is growing by about 2.6% per year across the filed financial years. Its solvency ranks better than 73% of 976 sector peers (NACE 78, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
- Equity
- €131,470
- Profit
- €3,694
- JemsDirector · permanent representative DE JONGHE, Els Julienne Jean
Why 95lowers riskLiquidity: current ratio 2.94, cash €44,993Founded in 2012Equity €131,470 (74.2% of total assets)Figures for financial year 2025 (filed 20-05-2026)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 78, micro): better than 76% on solvency, 71% on liquidity, 38% on profitability and 47% on growth.
The bankruptcy probability was computed on 30-10-2026 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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Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 7 accounts on average 54 days before the deadline; the sector median (NACE 78) for financial year 2024 is 14 days before the deadline, and 30% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Back to profitnet €3,694
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, micro format
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result returns to profit in 2025: €5,633 after a loss of €13,414 in 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Average staff in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 78, Employment activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Peer companies
Historical observationOf the 10,904 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95.2% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
For this company itself Checked computes a bankruptcy probability of < 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 10,904 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,956 | €7,555 | €4,877 | €4,258 | €4,576 | €4,735 | €4,736 | €5,155 | ▲ 8.8% |
| Other operating charges640/8 | - | - | - | €1,175 | €847 | €1,025 | €1,353 | €1,394 | ▲ 3.0% |
| Gross operating margin9900 | €268,230 | €203,171 | €98,006 | €31,316 | €13,188 | €2,409 | -€7,325 | €12,182 | - |
| Operating profit (loss)9901 | €112,507 | €97,410 | €91,779 | €25,883 | €7,765 | -€3,351 | -€13,414 | €5,633 | - |
| Financial income75/76B | - | - | - | - | - | €249 | €255 | €78 | ▼ 69.4% |
| Recurring financial income75 | - | - | - | - | - | €249 | €255 | €78 | ▼ 69.4% |
| Financial charges65/66B | - | - | - | €1,812 | €1,629 | €1,783 | €2,265 | €2,017 | ▼ 10.9% |
| Recurring financial charges65 | €3,356 | €2,981 | €2,073 | €1,812 | €1,629 | €1,783 | €2,265 | €2,017 | ▼ 10.9% |
| Profit (loss) for the period before taxes9903 | €109,151 | €94,429 | €89,706 | €24,071 | €6,136 | -€4,885 | -€15,424 | €3,694 | - |
| Income taxes67/77 | €15,692 | €12,574 | €6,684 | €3,930 | €2,756 | €0 | €0 | €0 | - |
| Profit (loss) for the period9904 | €93,459 | €81,855 | €83,022 | €20,141 | €3,380 | -€4,885 | -€15,424 | €3,694 | - |
| Profit (loss) for the period to be appropriated9905 | €93,459 | €81,855 | €83,022 | €20,141 | €3,380 | -€4,885 | -€15,424 | €3,694 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €380,090 | €343,597 | €315,141 | €264,653 | €230,640 | €207,857 | €178,435 | €177,236 | ▼ 0.7% |
| Fixed assets21/28 | €138,879 | €132,348 | €121,687 | €117,429 | €117,626 | €112,891 | €108,155 | €107,190 | ▼ 0.9% |
| Tangible fixed assets22/27 | €138,879 | €132,348 | €121,687 | €117,429 | €117,626 | €112,891 | €108,155 | €107,190 | ▼ 0.9% |
| Land and buildings22 | - | - | - | €117,429 | €117,626 | €112,891 | €108,155 | €107,190 | ▼ 0.9% |
| Current assets29/58 | €241,211 | €211,249 | €193,454 | €147,224 | €113,014 | €94,966 | €70,280 | €70,046 | ▼ 0.3% |
| Amounts receivable within one year40/41 | €140,645 | €55,497 | €3,052 | €21,249 | €7,391 | €3,440 | €47,043 | €25,053 | ▼ 46.7% |
| Trade receivables40 | - | - | - | €15,119 | €5,294 | - | €36,495 | €11,246 | ▼ 69.2% |
| Other amounts receivable41 | - | - | - | €6,130 | €2,097 | €3,440 | €10,548 | €13,807 | ▲ 30.9% |
| Cash at bank and in hand54/58 | €100,566 | €155,752 | €190,402 | €125,975 | €105,623 | €91,526 | €23,237 | €44,993 | ▲ 93.6% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €380,090 | €343,597 | €315,141 | €264,653 | €230,640 | €207,857 | €178,435 | €177,236 | ▼ 0.7% |
| Equity10/15 | €103,687 | €119,542 | €136,564 | €144,705 | €148,085 | €143,200 | €127,776 | €131,470 | ▲ 2.9% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €83,687 | €99,542 | €116,564 | €124,705 | €128,085 | €123,200 | €107,776 | €111,470 | ▲ 3.4% |
| Non-distributable reserves130/1 | - | - | - | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves not available under the articles1311 | - | - | - | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Tax-exempt reserves132 | - | - | - | €37,500 | €37,500 | €37,500 | €37,500 | €37,500 | = |
| Distributable reserves133 | - | - | - | €85,205 | €88,585 | €83,700 | €68,276 | €71,970 | ▲ 5.4% |
| Amounts payable17/49 | €276,403 | €224,055 | €178,577 | €119,948 | €82,555 | €64,657 | €50,659 | €45,766 | ▼ 9.7% |
| Amounts payable after more than one year17 | €99,701 | €86,502 | €72,488 | €62,222 | €51,955 | €41,688 | €31,421 | €21,155 | ▼ 32.7% |
| Financial debts170/4 | - | - | - | €62,222 | €51,955 | €41,688 | €31,421 | €21,155 | ▼ 32.7% |
| Amounts payable within one year42/48 | €176,075 | €137,524 | €105,999 | €57,682 | €29,595 | €21,969 | €18,876 | €23,789 | ▲ 26.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | €10,267 | €10,267 | €10,267 | €10,267 | €10,267 | = |
| Trade debts44 | €49,808 | €41,903 | €20,333 | €28,697 | €16,572 | €8,946 | €1,042 | €10,491 | ▲ 907% |
| Suppliers440/4 | - | - | - | €28,697 | €16,572 | €8,946 | €1,042 | €10,491 | ▲ 907% |
| Taxes, remuneration and social security45 | - | - | - | €6,684 | €2,756 | €2,756 | €7,567 | €3,031 | ▼ 59.9% |
| Taxes450/3 | - | - | - | €6,684 | €2,756 | €2,756 | €7,567 | €3,031 | ▼ 59.9% |
| Other amounts payable47/48 | - | - | - | €12,034 | - | - | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €44 | €1,005 | €1,000 | €362 | €822 | ▲ 127% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €93,459 | €81,855 | €83,022 | €20,141 | €3,380 | -€4,885 | -€15,424 | €3,694 | - |
| + Depreciation and write-downs630 | €11,956 | €7,555 | €4,877 | €4,258 | €4,576 | €4,735 | €4,736 | €5,155 | ▲ 8.8% |
| Operating cash flow (approximation) | €105,415 | €89,410 | €87,899 | €24,399 | €7,956 | -€150 | -€10,688 | €8,849 | - |
| Investment in fixed assets (approximation) | - | -€1,024 | €5,784 | €0 | -€4,773 | €0 | €0 | -€4,190 | - |
| Change in cash | - | €55,186 | €34,650 | -€64,427 | -€20,352 | -€14,097 | -€68,289 | €21,756 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 13 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 20-05-2026 | 2026-00114836 |
| 31-12-2024 | micro format | 03-06-2025 | 2025-00115569 |
| 31-12-2023 | micro format | 05-06-2024 | 2024-00109931 |
| 31-12-2022 | micro format | 29-06-2023 | 2023-00173530 |
| 31-12-2021 | micro format | 11-06-2022 | 2022-20057385 |
| 31-12-2020 | micro format | 24-06-2021 | 2021-23900416 |
| 31-12-2019 | micro format | 18-05-2020 | 2020-12400004 |
| 31-12-2018 | micro format | 11-06-2019 | 2019-17600498 |
| 31-12-2017 | micro format | 30-07-2018 | 2018-39900546 |
| 31-12-2016 | micro format | 13-08-2017 | 2017-43100262 |
Similar companies · same sector, comparable size
Subsidies and aid
Flemish government
2022 to 2025 · 4 entries · €1,477 awarded · €1,680 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €183 | €183 |
| 2024 | 1 | €210 | €210 |
| 2023 | 1 | €215 | €418 |
| 2022 | 1 | €869 | €869 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Board 1
Permanent representatives 1
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Jems |
|
Owners and capital
Owners
2 ownersOwners 2
-
share not stated
- Els DE JONGHEnatural personSourceown accounts 2017share not stated
Sources: the companies' annual accounts, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not include these statements in its annual accounts, or does not have to, is not listed.
Capital and shareholders
- 31-01-2024 Converted to unavailable equity
- 31-01-2024 Converted to uncalled contributions
- 31-01-2024 Converted to available equity
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
31-01
Gazette deed
Resignation: Jems (manager)Appointment: Jems (director) · Permanent representative: DE JONGHE, Els Julienne Jean · Amendment of the articles9 facts ▸
- Amendment of the articles (3 times)
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Capital conversion, “eigen vermogensrekening ‘niet-opgevraagde inbrengen’” (deed in Dutch)
- Capital conversion, “beschikbaar eigen vermogen” (deed in Dutch)
- Capital
- Director resignation, Jems (manager)
- Director appointment, Jems (director (not named in the articles))
- Permanent representative, DE JONGHE, Els Julienne Jean
- Registered office clause, “2200 Herentals, Lierseweg 73, bus B” (deed in Dutch)
About the unread acts
Of the 3 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 31 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 13302D0623/02B002 | Flanders | 561 m² | 1 · 337 m² | - |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Human resource consulting in de ruimste zin van het woord; Werving, Selectie, rekrutering, opleiding, training en arbeidsbemiddeling van…” (deed in Dutch)
27 activities (deed in Dutch)
- Human resource consulting in de ruimste zin van het woord
- Werving, Selectie, rekrutering, opleiding, training en arbeidsbemiddeling van personeel voor werkgevers
- Begeleiding van sollicitanten
- Headhunting en Outplacement
- Dienstverlening inzake management en advies op het gebied van personeelsbeheer, financieel beheer en algemeen beheer, en dit zowel aan private ondernemingen en overheden
- Het verstrekken van interim-management diensten en bijstand, in de meest ruime zin
- Het verlenen van adviezen van financiële, technische, commerciële of administratieve aard; in de ruimste zin, bijstand en diensten verlenen, rechtstreeks of onrechtstreeks, op het vlak van administratie en personeel, financiën, verkoop, productie en gemeen bestuur, expertises, schattingen, studies uitvoeren en verslagen afleveren
- Het geven of organiseren van opleiding, lezingen en studiedagen, consultancy in bedrijven en bij overheden
- Huur, aankoop, verhuur en verkoop van gebouwen
- Beheer van vennootschappen, het managen van vennootschappen, managementadvies
- Het verwerven, door inschrijving of aankoop en het beheren van aandelen, obligaties, kasbons of andere roerende waarden, van welke vorm ook, van Belgische of buitenlandse, bestaande of nog op te richten vennootschappen
- Het bevorderen van de oprichting van vennootschappen door inbreng, participatie of investering
- Het toestaan van leningen en kredietopeningen aan vennootschappen of particulieren, onder om het even welke vorm, in dit kader kan zij zich ook borg stellen of haar aval verlenen in de meest ruime zin, alle handels- en financiële operaties verrichten behalve die welke wettelijk voorbehouden zijn aan depositobanken, houders van deposito's op korte termijn, spaarkassen, hypotheekmaatschappijen en kapitalisatie-ondernemingen
- Het optreden als tussenpersoon bij onderhandelingen door gehele of gedeeltelijke overname van aandelen; in de meest ruime betekenis, het deelnemen aan emissieverrichtingen van aandelen en vastrentende waarden door intekening, waarborg plaatsing, verhandeling of anderszins, alsmede het verwezenlijken van om het even welke verrichtingen inzake portefeuille- of kapitaalsbestuur
- Het waarnemen van alle bestuursopdrachten en het uitoefenen van mandaten in allerhande al dan niet gelieerde vennootschappen
- Het beheer van een onroerend vermogen en de huurfinanciering van onroerende goederen aan derden, alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van onroerende goederen te bevorderen, zoals het onderhoud, de ontwikkeling, de verfraaiing en de verhuring van deze goederen alsmede zich borgstellen voor het goede verloop van verbintenissen door derde personen aangegaan die het genot zouden hebben van deze onroerende goederen
- Zij mag ten einde haar voorwerp te verwezenlijken eventueel aan de onroerende goederen wijzigingen, productie - afwerkingen, verkavelingen uitvoeren, alle ondernemingscontracten die noodzakelijk zouden zijn ondertekenen
- Het ontwikkelen, kopen, verkopen, in licentie nemen of geven van octrooien, know-how en aanverwante immateriële duurzame activa
- Het geven van opleidingen en studies, alsook consultancy op de meest uiteenlopende gebieden
- Het voeren en uitvoeren van administraties
- Het uitdenken, ontwerpen, kopen, realiseren, integreren, onderhouden, aanbieden of produceren en op de markt brengen van projecten en producten op het gebied van de informatica-, informatie-, internet- en communicatietechnologie
- Het professioneel lanceren, adviseren, beheren, coördineren, coachen, onderhouden, ondersteunen of promoten van projecten en projectmatige activiteiten
- Onderneming in onroerde goederen. De verwerving voor eigen rekening van participaties, titels, rechten of roerende waarden, onder welke vorm het ook zij, naar aanleiding van de oprichting, ontwikkeling, omvorming en controle van om het even welke ondernemingen, Belgische of buitenlandse, commerciële, industriële of andere vennootschappen. Het toestaan van leningen en kredietopeningen aan vennootschappen of particulieren
- De vennootschap handelt voor eigen rekening, in consignatie, in commissie, als tussenpersoon of als vertegenwoordiger
- Zij kan deelnemen of zich op andere wijze interesseren in allerhande vennootschappen, ondernemingen, groeperingen of organisaties
- Zij mag haar onroerende goederen in hypotheek stellen en al haar andere goederen, met inbegrip van het handelsfonds, in pand stellen en mag borg of aval verlenen voor alle leningen, kredietopeningen en alle andere verbintenissen, voor haarzelf en zelfs voor alle derden op voorwaarde dat zij er zelf belang bij heeft
- Zij kan de functie van bestuurder of vereffenaar van andere vennootschappen uitoefenen
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “toegekend, met de mogelijkheid een deel van deze bevoegdheden te delegeren. Indien de vennootschap door meer dan één bestuurder wordt…”
- Daily managementWho may handle the everyday running of the business without the full board.
- The delegates act alone
- Board ruleHow the board is made up, meets and takes decisions.
- “Met of zonder beperking van duur, 1” (deed in Dutch)“Herroepbaar ad nutum, algemene vergadering” (deed in Dutch)“Mogelijkheid een deel te delegeren, geheel van de bevoegdheden” (deed in Dutch)
Capital, shares and profit
- Profit allocationHow profit is distributed; a BV may only pay out after a balance-sheet and liquidity test.
- One provision in the deed
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Second Wednesday of May at 15:00
- Meeting accessWho may attend the meeting and what is needed to be admitted.
- One provision in the deed
- Voting ruleWhich majority the meeting decides by, for example a simple or a special majority.
- “1” (deed in Dutch)