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Spiri

Active
Private limited companyfounded 2018active for 8 yearsStationsstraat 77, 2440 Geel, BelgiumKBO/BCE: BE 0699.486.103
Summary

The computed 12-month bankruptcy probability of Spiri is 3.6% (moderate). The 2024 annual accounts show equity of €69,491 and a net result of €4,687. Equity is growing by about 23% per year across the filed financial years. Its solvency ranks better than 89% of 25,598 sector peers (NACE 47, financial year 2024). The company has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Other retail sale of food
NACE 47279
1 site
Size
€106,509turnover 2024
Equity
€69,491
Profit
€4,687
Financial health
50 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
3.6%
Structure
Accounts 72 days overdue0 of 2 deeds read
Why 50raises riskFigures for financial year 2024 (filed 03-09-2025)Size: turnover €106,509, total assets €84,8811 financial year not filed after the legal deadline; latest accounts 34 days late; 2 of the last 3 lateFounded in 2018Show the evidence

Checked score

Score 2024
50 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 58% of its sector peers (NACE 47, micro)
Financial strength · tick = 2023
Strong
Solvency 100+3
equity 81.9% of total assets
Liquidity 50+10
short-term debt 18.1% · cash 4.4%
Profitability 67+16
return on assets 5.5%
Bankruptcy probability, 12 months
3.6% Moderate
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,187 companies, NACE 47, micro)
Last 24 months 11-2024: 2.2% 12-2024: 3.0%▲ +0.8 percentage points vs 11-2024 01-2025: 3.0%● unchanged vs 12-2024 02-2025: 3.0%● unchanged vs 01-2025 03-2025: 3.0%● unchanged vs 02-2025 04-2025: 3.1%▲ +0.1 percentage points vs 03-2025 05-2025: 3.0%▼ -0.1 percentage points vs 04-2025 06-2025: 2.8%▼ -0.2 percentage points vs 05-2025 07-2025: 2.9%▲ +0.1 percentage points vs 06-2025 08-2025: 3.4%▲ +0.5 percentage points vs 07-2025 09-2025: 3.5%▲ +0.1 percentage points vs 08-2025 10-2025: 2.0%▼ -1.5 percentage points vs 09-2025 11-2025: 2.0%● unchanged vs 10-2025 12-2025: 2.0%● unchanged vs 11-2025 01-2026: 2.1%▲ +0.1 percentage points vs 12-2025 02-2026: 2.0%▼ -0.1 percentage points vs 01-2026 03-2026: 2.0%● unchanged vs 02-2026 04-2026: 1.9%▼ -0.1 percentage points vs 03-2026 05-2026: 2.0%▲ +0.1 percentage points vs 04-2026 06-2026: 1.9%▼ -0.1 percentage points vs 05-2026 07-2026: 1.8%▼ -0.1 percentage points vs 06-2026lowest value 08-2026: 2.0%▲ +0.2 percentage points vs 07-2026 09-2026: 2.3%▲ +0.3 percentage points vs 08-2026 10-2026: 3.6%▲ +1.3 percentage points vs 09-2026highest value
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity ample (current ratio 5.15, compared with 3.32 in 2023; short-term debt: 18.1% and cash: 4.4% of total assets), and 18.1% of the assets are financed with debt.
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 47, micro): better than 92% on solvency, 54% on liquidity, 47% on profitability and 39% on growth.

The bankruptcy probability was computed on 10-10-2026 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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Signals

Five signals.
raises riskneutral
raises risk · Figures for financial year 2024 (filed 03-09-2025)
NBB · annual accounts
raises risk · Size: turnover €106,509, total assets €84,881
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
raises risk · 1 financial year not filed after the legal deadline; latest accounts 34 days late; 2 of the last 3 late
NBB · filings
raises risk · Founded in 2018
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-09-2025, 34 days later. For context: 47% of Belgian companies file late, and of those that file 1 to 90 days late, 2.0% are now in a legal situation other than normal in the KBO (such as bankruptcy, liquidation or dissolution), against 1.66% of all filers. We show this as a fact and do not score it.
NBB · 6 filings
Deviation from the deadline
2025
not confirmed
2024
34 days late
2023
92 days late
2022
53 days early
2021
13 days early
2020
4 days early
2019
10 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 11 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2024 · micro…
  2. Annual accounts filedfinancial year 2023 · micro…
  3. Weakest financial yearnet €3,566 ▼76.8%

Key points

  • Caution: Accounts not fileddeadline was 31-07-2026 72 days late View
  • Positive: Among the best 11% on solvencysector median 32.3% · 25,598 companies 81.9% View
  • Positive: 6 profitable years in a rowprofit 2024: €4,687 6 years View

By topic

Financials

Financial year
2024
Turnover
€106,509
Profit
€4,687
Solvency
81.9%
Turnover▼ 14.9%
Net result
20212024
Go to Financials

Timeline

Events
8
Since
2020
  1. 08-06-2023Annual accounts filed
  2. 18-07-2022Annual accounts filed
  3. 27-07-2021Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other retail sale of foodNACE 47279
Founded
02-07-2018
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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