spLendit Consulting
ActivespLendit Consulting has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €120k. Equity is shrinking by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 19% of 6974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency35▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.94 against 0.93 in 2024; short-term debt: 83.4% and cash: 44% of total assets), and 89.8% 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 · 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
10.2%
Return on assets
64.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 6974 sector peers (2025).
NBB · sector comparisonPosition among 6974 sector peers
Solvency
better than 19%
← weakest
strongest →
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 07-04-2026, 115 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
115 d early
2024
44 d early
2023
20 d early
2022
6 d early
2021
31 d late
2020
23 d late
2019
15 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
€19k▼ 20.1%
2024 · €24k
2019: €2k
2020: €32k
2021: €40k
2022: €2k
2023: €28k
2024: €24k
2019 → 2025
Total assets
€185k▼ 4.0%
2024 · €193k
2019: €18k
2020: €82k
2021: €87k
2022: €131k
2023: €181k
2024: €193k
2019 → 2025
Net result
€120k▲ 4.4%
2024 · €115k
2019: €139
2020: €31k
2021: €8k
2022: €47k
2023: €90k
2024: €115k
2019 → 2025
Working capital
€-10k▲ 1.7%
2024 · €-10k
2019: €504
2020: €18k
2021: €20k
2022: €-26k
2023: €-10k
2024: €-10k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€2k▼ 96.3%€28k▲ 1,791%€24k▼ 16.9%€19k▼ 20.1%
Operating result€14k-€65k▲ 346%€110k▲ 70.1%€149k▲ 35.0%€156k▲ 5.0%
Net result€8k-€47k▲ 484%€90k▲ 91.3%€115k▲ 28.2%€120k▲ 4.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €185k
Fixed assets
€41k▼ 22.6%
Current assets
€145k▲ 2.9%
Equity and liabilities €185k
Equity
€19k▼ 20.1%
Debt
€167k▼ 1.8%
The debt ratio rises from 87.8% to 89.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€168k▲
2024 · €161k
Cash flow
€132k▲
2024 · €127k
Solvency
10.2%▼
2024 · 12.2%
Current ratio
0.94▲
2024 · 0.93
Quick ratio
0.94▲
2024 · 0.93
Debt / equity
8.85▲
2024 · 7.19
ROE
638.5%▲
2024 · 488.6%
ROA
64.9%▲
2024 · 59.6%
Interest coverage
149.36▲
2024 · 148.93
Debt
€167k▼
2024 · €170k
Debt ≤ 1 year
€155k▲
2024 · €151k
Debt > 1 year
€12k▼
2024 · €19k
Income taxes
€36k▲
2024 · €34k
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€193k€185k▼
Fixed assets21/28€53k€41k▼
Tangible fixed assets22/27€53k€41k▼
Land and buildings22€16k€16k▼
Furniture and vehicles24€8k€4k▼
Leasing and similar rights25€27k€19k▼
Other tangible fixed assets26€1k€1k▼
Current assets29/58€141k€145k▲
Amounts receivable within one year40/41€79k€54k▼
Trade receivables40€59k€54k▼
Other amounts receivable41€20k€228▼
Current investments50/53€4k€8k▲
Cash at bank and in hand54/58€57k€82k▲
Deferred charges and accrued income490/1€777€1k▲
Equity and liabilities
Total equity and liabilities10/49€193k€185k▼
Equity10/15€24k€19k▼
Contributions10/11€2k€2k=
Reserves13€22k€17k▼
Distributable reserves133€22k€17k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€170k€167k▼
Amounts payable after more than one year17€19k€12k▼
Financial debts170/4€19k€12k▼
Amounts payable within one year42/48€151k€155k▲
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€20k€11k▼
Taxes450/3€20k€11k▼
Other amounts payable47/48€120k€132k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€163k€170k▲
Operating profit (loss)9901€149k€156k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Non-recurring financial income76B€0-
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€1k▲
Non-recurring financial charges66B-€487
Profit (loss) for the period before taxes9903€149k€156k▲
Income taxes67/77€34k€36k▲
Profit (loss) for the period9904€115k€120k▲
Profit (loss) for the period to be appropriated9905€115k€120k▲
Appropriation of the result
Profit (loss) to be appropriated9906€115k€120k▲
Transfer from equity791/2€5k€22k▲
Transfer to equity691/2€0€17k▲
To other reserves6921€0€17k▲
Profit to be distributed694/7€120k€125k▲
Return on contributions (dividend)694€120k€125k▲
The notes to these accounts (8 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
07-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €120k ▲4.4%
Operating result €156k, net result €120k, both a record.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 23 days late
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Antwerpen · 1 establishment unit since 2019
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.
Wijnstraat 212600 AntwerpenGround area
236 m²
Building footprint
82 m²
Volume, LiDAR
697 m³
Parcel 11003B0244/00A014, Flanders · tallest building 12.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
spLendit Consulting
since 20192.290.931.944
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11003B0244/00A014 | Flanders | 236 m² | 1 · 82 m² | 12.6 m · 3 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.
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Of 13,425 companies in sector 73300 we hold annual accounts for 6,901. 4,633 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-2019
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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
1 entryE-mail:kristy@splenditconsulting.be