Spitz Technology
ActiveSpitz Technology has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €106k and a net result of €104k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 95% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth32▼-46
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
short-term debt: 0.5% and cash: 77.5% of total assets, and 0.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
99.5%
Return on assets
97.7%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
2 d early
2024
30 d early
2023
29 d early
2022
89 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€106k▼ 68.1%
2024 · €331k
2022: €110k
2023: €214k
2024: €331k
2022 → 2025
Total assets
€106k▼ 70.9%
2024 · €365k
2022: €152k
2023: €253k
2024: €365k
2022 → 2025
Net result
€104k▼ 11.8%
2024 · €118k
2022: €108k
2023: €104k
2024: €118k
2022 → 2025
Working capital
€101k▼ 69.0%
2024 · €327k
2022: €109k
2023: €207k
2024: €327k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€110k-€214k▲ 94.4%€331k▲ 55.0%€106k▼ 68.1%
Operating result€138k-€133k▼ 3.9%€147k▲ 11.0%€128k▼ 12.9%
Net result€108k-€104k▼ 3.9%€118k▲ 13.4%€104k▼ 11.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 13% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106k
Fixed assets
€4k▲ 1.1%
Current assets
€102k▼ 71.7%
Equity and liabilities €106k
Equity
€106k▼ 68.1%
Debt
€490▼ 98.6%
The debt ratio falls from 9.3% to 0.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€130k▼
2024 · €149k
Cash flow
€105k▼
2024 · €120k
Solvency
99.5%▲
2024 · 90.7%
Debt / equity
0.00▼
2024 · 0.10
ROE
98.1%▲
2024 · 35.5%
ROA
97.7%▲
2024 · 32.2%
Interest coverage
373.96▼
2024 · 1093.80
Debt
€490▼
2024 · €34k
Debt ≤ 1 year
€490▼
2024 · €34k
Income taxes
€29k▼
2024 · €34k
A ratio outside any meaningful range has been withheld (balance sheet total €106k, equity €106k).
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€365k€106k▼
Fixed assets21/28€4k€4k▲
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€51-
Furniture and vehicles24€4k€3k▼
Financial fixed assets28-€2k
Current assets29/58€361k€102k▼
Amounts receivable within one year40/41€14k€20k▲
Trade receivables40€13k€14k▲
Other amounts receivable41€635€6k▲
Current investments50/53€270k-
Cash at bank and in hand54/58€77k€82k▲
Equity and liabilities
Total equity and liabilities10/49€365k€106k▼
Equity10/15€331k€106k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€329k€104k▼
Amounts payable17/49€34k€490▼
Amounts payable within one year42/48€34k€490▼
Trade debts44-€34
Suppliers440/4-€34
Taxes, remuneration and social security45€34k-
Taxes450/3€34k-
Other amounts payable47/48€235€456▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€239€243▲
Gross operating margin9900€150k€130k▼
Operating profit (loss)9901€147k€128k▼
Financial income75/76B€4k€5k▲
Recurring financial income75€4k€5k▲
Non-recurring financial income76B€2-
Financial charges65/66B€137€347▲
Recurring financial charges65€137€347▲
Profit (loss) for the period before taxes9903€151k€133k▼
Income taxes67/77€34k€29k▼
Profit (loss) for the period9904€118k€104k▼
Profit (loss) for the period to be appropriated9905€118k€104k▼
Appropriation of the result
Profit (loss) to be appropriated9906€329k€433k▲
Profit (loss) brought forward from the previous period14P€212k€329k▲
Profit to be distributed694/7-€329k
Return on contributions (dividend)694-€329k
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 19current ratio 207.94
Current ratio from 10.67 to 207.94; short-term debt falls from €34k to €490.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €118k ▲13.4%
Operating result €147k, net result €118k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €104k ▼3.9%
Net result drops to €104k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €214k ▲94.4%
2 profitable years in a row build equity to €214k.
03-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Etterbeek · 1 establishment unit since 2022
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.
Atrebatenstraat 1021040 EtterbeekGround area
92 m²
Building footprint
67 m²
Volume, LiDAR
872 m³
Parcel 21362B0286/00A004, Brussels · tallest building 16.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Spitz Technology
since 20222.329.805.287
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21362B0286/00A004 | Brussels | 92 m² | 1 · 67 m² | 16.6 m · 5 fl. |
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.
Similar companies · same sector, comparable size
SIBBE
BE 0634.723.557
Boortmeerbeek · Eq €106k
OPTIMIZER
BE 0885.087.584
Wevelgem · Eq €106k
HUYSMANS SOLUTIONS
BE 0836.696.363
Bornem · Eq €106k
PHI ECKER
BE 0682.536.540
Grimbergen · Eq €106k
NPN Technology
BE 1002.536.867
Zaventem · Eq €106k
Of 16,869 companies in sector 62100 we hold annual accounts for 8,779. 6,950 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-02-2022
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62030Computer programming, consultancy and related activities
62200Computer consultancy and computer facilities management
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:spitzmichael@outlook.com
Phone:+32494267463