SPINWISE
ActiveSPINWISE has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50k and a net result of €21k. Equity is growing by ~71.2% per year across the filed fiscal years. Its solvency ranks better than 73% of 7680 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+1
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.72 against 2.66 in 2024), and 25.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
74.3%
Return on assets
30.5%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
2 d early
2024
13 d late
2023
58 d early
2022
43 d early
2021
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close11-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€50k▲ 69.7%
2024 · €29k
2021: €22k
2022: €5k
2023: €17k
2024: €29k
2021 → 2025
Total assets
€67k▲ 43.8%
2024 · €47k
2021: €44k
2022: €21k
2023: €34k
2024: €47k
2021 → 2025
Net result
€21k▲ 62.0%
2024 · €13k
2021: €19k
2022: €-17k
2023: €11k
2024: €13k
2021 → 2025
Working capital
€47k▲ 64.0%
2024 · €29k
2021: €19k
2022: €3k
2023: €15k
2024: €29k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€5k▼ 75.9%€17k▲ 218%€29k▲ 75.6%€50k▲ 69.7%
Operating result€26k-€-15k€14k€18k▲ 32.9%€28k▲ 53.8%
Net result€19k-€-17k€11k€13k▲ 10.3%€21k▲ 62.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 54% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67k
Fixed assets
€3k▲ 297%
Current assets
€64k▲ 39.8%
Equity and liabilities €67k
Equity
€50k▲ 69.7%
Debt
€17k▼ 0.1%
The debt ratio falls from 37.1% to 25.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€29k▲
2024 · €19k
Cash flow
€21k▲
2024 · €13k
Solvency
74.3%▲
2024 · 62.9%
Current ratio
3.72▲
2024 · 2.66
Quick ratio
3.72▲
2024 · 2.66
Debt / equity
0.35▼
2024 · 0.59
ROE
41.1%▼
2024 · 43.1%
ROA
30.5%▲
2024 · 27.1%
Interest coverage
28.97▲
2024 · 11.78
Debt
€17k▼
2024 · €17k
Debt ≤ 1 year
€17k▼
2024 · €17k
Income taxes
€7k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€47k€67k▲
Fixed assets21/28€727€3k▲
Tangible fixed assets22/27€727€3k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24€727€564▼
Current assets29/58€46k€64k▲
Amounts receivable within one year40/41€30k€33k▲
Trade receivables40€28k€26k▼
Other amounts receivable41€1k€8k▲
Current investments50/53€6k€7k▲
Cash at bank and in hand54/58€10k€24k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€47k€67k▲
Equity10/15€29k€50k▲
Contributions10/11€3k€3k=
Reserves13€14k€35k▲
Distributable reserves133€14k€35k▲
Profit (loss) carried forward14€13k€13k=
Amounts payable17/49€17k€17k▼
Amounts payable within one year42/48€17k€17k▼
Financial debts43€108€212▲
Credit institutions430/8€108€212▲
Trade debts44€7k€4k▼
Suppliers440/4€7k€4k▼
Taxes, remuneration and social security45€10k€13k▲
Taxes450/3€10k€13k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€706€444▼
Other operating charges640/8€499€576▲
Gross operating margin9900€20k€29k▲
Operating profit (loss)9901€18k€28k▲
Financial income75/76B€3€29▲
Recurring financial income75€3€29▲
Financial charges65/66B€2k€991▼
Recurring financial charges65€2k€991▼
Profit (loss) for the period before taxes9903€17k€27k▲
Income taxes67/77€4k€7k▲
Profit (loss) for the period9904€13k€21k▲
Profit (loss) for the period to be appropriated9905€13k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€33k▲
Profit (loss) brought forward from the previous period14P€0€13k▲
Transfer to equity691/2€0€21k▲
To other reserves6921€0€21k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2021net €21k ▲62%
Operating result €28k, net result €21k, both a record.
13-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2023
04-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
2022
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Weakest financial yearnet €-17k ▼186%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Ieper · 1 establishment unit since 2020
Ground area
287 m²
Building footprint
84 m²
Volume, LiDAR
72 m³
Parcel 33011D0130/00T007, Flanders · tallest building 2.7 m. Linked by address, not a title deed.
1 establishment unit
Spinwise
since 20202.298.299.786
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33011D0130/00T007 | Flanders | 287 m² | 1 · 83 m² | 2.7 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,422 companies in sector 82990 we hold annual accounts for 9,361. 6,873 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-01-2020
Fiscal year end30-06
Activities, NACEBEL
82990Other business support services
46500Wholesale of information and communication equipment
46510Wholesale trade
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.