SPIR CONSULTING
ActiveSummary
The computed 12-month bankruptcy probability of SPIR CONSULTING is 2.0% (moderate). The 2025 annual accounts show equity of €45k and a net result of €-14k. Equity is shrinking by ~7% per year across the filed fiscal years. Its solvency ranks better than 80% of 7029 sector peers (fiscal year 2025). The company has been active since 1975 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32=
Track record92
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.72 against 31.7 in 2024; short-term debt: 17.3% and cash: 4.2% of total assets), and 17.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
82.7%
Return on assets
-25.2%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-14k
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 14-10-2025, 109 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
109 d early
2024
on the day
2023
54 d early
2022
4 d early
2021
on the day
2020
3 d early
2019
92 d early
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
UBO non-compliance
Checked, nothing found (1)
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€45k▼ 23.4%
2024 · €58k
2019: €76k
2020: €81k
2021: €73k
2022: €83k
2023: €70k
2024: €58k
2019 → 2025
Total assets
€54k▼ 9.1%
2024 · €60k
2019: €77k
2020: €84k
2021: €74k
2022: €90k
2023: €70k
2024: €60k
2019 → 2025
Net result
€-14k▼ 16.6%
2024 · €-12k
2019: €-8k
2020: €6k
2021: €-8k
2022: €9k
2023: €-13k
2024: €-12k
2019 → 2025
Working capital
€-3k
2024 · €34k
2019: €76k
2020: €79k
2021: €72k
2022: €76k
2024: €34k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€73k-€83k▲ 12.8%€70k▼ 15.3%€58k▼ 16.7%€45k▼ 23.4%
Operating result€-11k-€8k€-13k€-12k▲ 6.1%€-14k▼ 9.4%
Net result€-8k-€9k€-13k€-12k▲ 7.7%€-14k▼ 16.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €14k in 2025 against €12k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €54k
Fixed assets
€47k ▲ 95.2%
Current assets
€7k ▼ 81.0%
Equity and liabilities €54k
Equity
€45k ▼ 23.4%
Debt
€9k ▲ 742%
Debt's share of the balance-sheet total rises from 1.9% to 17.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-10k▼
2024 · €-9k
Cash flow
€-10k▼
2024 · €-9k
Current ratio
0.72▼
2024 · 31.70
Debt to equity
0.21▲
2024 · 0.02
ROE
-30.5%▼
2024 · -20.0%
ROA
-25.2%▼
2024 · -19.7%
Interest coverage
-202.07▼
2024 · -173.54
Debt ≤ 1 year
€9k▲
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€60k€54k▼
Fixed assets21/28€24k€47k▲
Tangible fixed assets22/27€24k€47k▲
Furniture and vehicles24-€25k
Other tangible fixed assets26€24k€23k▼
Current assets29/58€35k€7k▼
Amounts receivable within one year40/41€32k€4k▼
Trade receivables40€4k€908▼
Other amounts receivable41€28k€4k▼
Cash at bank and in hand54/58€2k€2k▲
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€60k€54k▼
Equity10/15€58k€45k▼
Contributions10/11€19k€20k▲
Reserves13€18k€16k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Tax-exempt reserves132€4k€4k=
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€22k€8k▼
Amounts payable17/49€1k€9k▲
Amounts payable within one year42/48€1k€9k▲
Trade debts44€482€1k▲
Suppliers440/4€482€1k▲
Taxes, remuneration and social security45€630-
Taxes450/3€630-
Other amounts payable47/48-€8k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€12€1k▲
Non-recurring operating charges66A€2k-
Gross operating margin9900€-7k€-9k▼
Operating profit (loss)9901€-12k€-14k▼
Financial income75/76B€790€2▼
Recurring financial income75€790€2▼
Financial charges65/66B€53€49▼
Recurring financial charges65€53€49▼
Profit (loss) for the period before taxes9903€-12k€-14k▼
Profit (loss) for the period9904€-12k€-14k▼
Profit (loss) for the period to be appropriated9905€-12k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€8k▼
Profit (loss) brought forward from the previous period14P€33k€22k▼
The notes to these accounts (7 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
2025
14-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series.
02-06
KBO administration
UBO non-compliance
event 19-05-2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
08-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Liquidity times 9current ratio 279.86
Current ratio from 31.41 to 279.86; short-term debt falls from €3k to €258.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2018
30-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
02-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Ukkel · 1 establishment unit since 1975
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Groeselenbergstraat 2101180 UkkelGround area
582 m²
Building footprint
169 m²
Volume, LiDAR
1,443 m³
2 parcels, Brussels · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Groeselenbergstraat 208, 1180 Ukkel
since 19752.011.982.809
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21618B0338/00N002 | Brussels | 333 m² | 1 · 90 m² | 10.2 m · 3 fl. |
| 21618B0338/00D003 | Brussels | 249 m² | 1 · 79 m² | 11.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,860 companies in sector 73110 we hold annual accounts for 3,753. 2,981 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-08-1975
Fiscal year end30-06
Activities, NACEBEL 2025
73110Advertising agencies
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.