SPKL & Fils
SPKL & Fils is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show negative equity (€-895) and a net result of €-18k. Equity is shrinking by ~73.6% per year across the filed fiscal years. Its solvency ranks better than 9% of 771 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €-895 |
| Net result | €-18k |
| Better than sector | 9% |
| Active | 4 yrs |
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -5.0% | 38.6% | |
| Net result | €-18k | €28k | |
| Equity | €-895 | €63k | |
| Gross operating margin | €-4k | €67k | |
| Staff costs | €13k | €63k |
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €-18k |
| Cash flow | n/a |
| Staff costs | €13k |
| Income taxes | €102 |
| Dividends | - |
| Total assets | €18k |
| Equity | €-895 |
| Debt | €19k |
| of which ≤ 1y | €19k |
| of which > 1y | - |
| Working capital | n/a |
| Employees (FTE) | - |
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | -5.0% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | -102.4% |
| ROE | 2050.4% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €18k |
| Fixed assets | 21/28 | €8k |
| Tangible fixed assets | 22/27 | €8k |
| Financial fixed assets | 28 | €60 |
| Current assets | 29/58 | €10k |
| Amounts receivable within one year | 40/41 | €10k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €18k |
| Equity | 10/15 | €-895 |
| Contributions / capital | 10/11 | €1k |
| Accumulated profits (losses) | 14 | €-2k |
| Amounts payable | 17/49 | €19k |
| Amounts payable within one year | 42/48 | €19k |
| Trade debts payable within one year | 44 | €8k |
| Income statement | ||
| Gross operating margin | 9900 | €-4k |
| Operating result | 9901 | €-18k |
| Financial charges | 65 | €158 |
| Result before taxes | 9903 | €-18k |
| Income taxes | 67/77 | €102 |
| Net result for the period | 9904 | €-18k |
| Result to be appropriated | 9905 | €-18k |
| NACE primary | Activiteiten van verzekeringsagenten en -makelaars(66220) |
| Legal form | Private limited company(610) |
| Incorporation | 14-04-2022 |
| Status | Active |
| Postal code | 4550 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61043C0074/00X005 | Wallonia | 2,376 m² | 1 · 119 m² | - |
| 92025A0011/00L000 | Wallonia | 2,293 m² | 1 · 200 m² | - |
| 52013A0002/00W006 | Wallonia | 860 m² | 1 · 397 m² | - |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
22-09-2025 Registered office moved
Technical details
{
"events": [
{
"kind": "zetel_clause_amendment_no_move",
"seat_type": "unite_exploitation",
"new_address": null,
"old_address": {
"raw": null,
"city": "Cognel\u00E9e",
"region": "waals_gewest",
"street": "Chauss\u00E9e de Louvain",
"country": "BE",
"postcode": "5022",
"box_number": null,
"street_number": "1066",
"locality_suffix": null
},
"effective_date": null,
"evidence_quote": "L\u0027assembl\u00E9e accepte \u00E0 l\u0027unanimit\u00E9 la suppression du si\u00E8ge d\u0027exploitation Chauss\u00E9e de Louvain 1066 \u00E0 5022 Cognel\u00E9e, et, ce, \u00E0 effet imm\u00E9diat",
"region_changed": false,
"is_statute_change": true,
"nationality_change": false,
"old_address_source": "act_body",
"statute_clause_text": null,
"statute_article_number": null,
"effective_date_qualifier": "immediate",
"statutaire_vs_werkelijke": "statutaire",
"linguistic_region_changed": false,
"court_jurisdiction_changed": false,
"effective_date_is_approximate": false
}
],
"notary": {
"name": null,
"firm_city": null,
"firm_name": null,
"office_city": "Nandrin",
"is_associated": false
},
"act_meta": {
"language": "fr",
"pub_date": "2025-09-22",
"filing_date": null,
"act_kind_objet": "Objet de l\u0027acte:"
},
"decision": {
"body": "algemene_vergadering",
"date": "2025-06-30",
"unanimous": true
},
"subject_company": {
"kbo": "0784.835.017",
"name_full": "OVISIONHU",
"legal_form": "SRL"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Kevin Laruelle",
"org_rep_person_name": null,
"person_role_at_subject": null
},
"co_filed_documents": [
"Mod DOC 19.01"
]
}| Legal nameFR | SPKL & Fils |