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SPINNOY RUDY

Active
Private limited companyfounded 2019active for 6 yearsVincetstraat 8, 2870 Puurs-Sint-Amands, BelgiumKBO/BCE: BE 0740.444.847
Summary

SPINNOY RUDY has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13,940 and a net result of €2,152. Equity has been shrinking by about 14% per year since 2020. Its solvency ranks better than 29% of 34,946 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Overview

Official details

Source: KBO
Status
Active since 24-12-2019 Normal situation
Activity
Plumbing work NACE 43221and 4 others
Establishment unit
2.297.815.281 2870 Puurs-Sint-Amands, since 01-01-2020
Financial year end
31 December
Peppol
Reachable since 15-11-2025

Board and ownership

Board
  • SPINNOY RUDYDirector

Financial position

84 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.4%
Annual accounts 2025
Gross margin
€5,392
Turnover
≈ €49,000
estimated
Profit
€2,152
Equity
€13,940
▲ 18.3%
Total assets
€50,271
▲ 21.5%
Filed on 03-07-2026, 28 days before the deadline
Score breakdownraises riskFounded in 2019Sector: Specialised construction activities (NACE 43)lowers riskLiquidity: current ratio 1.31, cash €30,048Figures for financial year 2025 (filed on 03-07-2026)Show the evidence

Checked score

Score 2025
84 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 50% of micro companies in specialised construction (NACE 43)
Financial strength · tick: 2024
Strong
Solvency 53=
equity 27.7% of total assets
Liquidity 62+13
short-term debt 71.5% · cash 59.8%
Profitability 74+74
return on assets 4.3%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,674 companies, NACE 43, micro)
Last 24 months 12-2024: 0.5% 01-2025: 0.5%● unchanged vs 12-2024 02-2025: 0.5%● unchanged vs 01-2025 03-2025: 0.5%● unchanged vs 02-2025 04-2025: 0.6%▲ +0.1 percentage points vs 03-2025 05-2025: 0.6%● unchanged vs 04-2025 06-2025: 0.6%● unchanged vs 05-2025 07-2025: 0.7%▲ +0.1 percentage points vs 06-2025 08-2025: 0.9%▲ +0.2 percentage points vs 07-2025 09-2025: 0.9%● unchanged vs 08-2025 10-2025: 0.9%● unchanged vs 09-2025 11-2025: 0.9%● unchanged vs 10-2025 12-2025: 0.9%● unchanged vs 11-2025 01-2026: 0.9%● unchanged vs 12-2025 02-2026: 0.9%● unchanged vs 01-2026 03-2026: 0.8%▼ -0.1 percentage points vs 02-2026 04-2026: 0.9%▲ +0.1 percentage points vs 03-2026 05-2026: 0.9%● unchanged vs 04-2026 06-2026: 0.9%● unchanged vs 05-2026 07-2026: 1.0%▲ +0.1 percentage points vs 06-2026highest value 08-2026: 0.4%▼ -0.6 percentage points vs 07-2026lowest value 09-2026: 0.4%● unchanged vs 08-2026lowest value 10-2026: 0.4%● unchanged vs 09-2026lowest value 11-2026: 0.4%● unchanged vs 10-2026lowest value
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.31 (1.28 in 2024), below the usual 1.5. Short-term debt is 71.5% and cash 59.8% of total assets. 72.3% 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 29% of them on solvency, 59% on liquidity, 47% on profitability and 66% 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 riskneutral
lowers risk · Liquidity: current ratio 1.31, cash €30,048
NBB · annual accounts
raises risk · Founded in 2019
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 · Sector: Specialised construction activities (NACE 43)
KBO
lowers risk · Figures for financial year 2025 (filed on 03-07-2026)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
28 days early
2024
34 days early
2023
37 days early
2022
39 days early
2021
30 days early
2020
43 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 35 days before 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 27 June (5 of the last 5 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

Key points

  • Caution: Less equity than 80% of companies in specialised constructionsector median €57,775 · 34,958 companies €13,940 View
  • Positive: Always filed on timeaccounts within the deadline every year 6 years View

Recent changes

  1. · Gazette deed Purpose
  2. · Gazette deed Incorporation
All 13 events

Comparable companies

These companies have the same main activity as SPINNOY RUDY: plumbing work (NACE 43221). They are comparable in size and age: total assets between €34,600 and €61,100, founded between 2018 and 2021.

CompanyTotal assetsGross margin
SPINNOY RUDY Puurs-Sint-Amands€50,271€5,392
AKSAN-CV Antwerpen€34,591€5,184
K. Maras Antwerpen€45,699€8,581
ARD GROUP Halle€45,025€6,324
MERLIN CHAUFFAGE Grâce-Hollogne€58,801€4,751
Casmon Genk€56,805€7,561
SANICREA Anderlues€61,114€4,044
Full comparison

Key facts about SPINNOY RUDY

What is the company number of SPINNOY RUDY?
The company number of SPINNOY RUDY is 0740.444.847. The VAT number is the same number with BE in front: BE 0740.444.847.
Where is SPINNOY RUDY based?
The registered office is at Vincetstraat 8, 2870 Puurs-Sint-Amands.Company details
What does SPINNOY RUDY do?
According to the KBO register, the main activity is plumbing work (NACE 43221).
What is the legal form of SPINNOY RUDY?
The legal form of SPINNOY RUDY is Private limited company (BV).
When was SPINNOY RUDY founded?
SPINNOY RUDY was founded on 24-12-2019.
Is SPINNOY RUDY still active?
Yes, SPINNOY RUDY is an active enterprise in the KBO register.
What is the turnover of SPINNOY RUDY?
The turnover in financial year 2025 is ≈ €49,000. This figure is estimated from the gross margin of €5,392 and 36 comparable companies (NACE 43221). It probably lies between €37,000 and €99,000. It is a rough estimate.Financials
Is SPINNOY RUDY profitable?
In financial year 2025, SPINNOY RUDY made a profit of €2,152.
Where can I find the annual accounts of SPINNOY RUDY?
SPINNOY RUDY filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of SPINNOY RUDY due?
SPINNOY RUDY must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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