SPLINTEX
ActiveSummary
SPLINTEX has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €137,346 and a net result of -€13,404. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 86% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability9▼-73
Solvency100▲+14
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity ample (current ratio 5.66 against 2.71 in 2024; short-term debt: 14.9% and cash: 14.2% of total assets), and 22.3% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
60 d late
2023
31 d late
2022
32 d late
2021
24 d late
2020
31 d late
2019
90 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 43 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 1 September (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€137,346▼ 8.9%
2024 · €150,750
Total assets
€176,840▼ 29.0%
2024 · €248,943
Net result
-€13,404
2024 · €26,378
Working capital
€122,381▼ 9.0%
2024 · €134,523
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€30,659▲ 176%€8,129▼ 73.5%€26,389▲ 225%€40,538▲ 53.6%-€11,282
Net result€26,357above the sector's middle half▲ 98.6%€4,521within the sector's middle half▼ 82.8%€17,115within the sector's middle half▲ 279%€26,378above the sector's middle half▲ 54.1%-€13,404below the sector's middle half
Equity€125,758above the sector's middle half▲ 10.7%€130,280above the sector's middle half▲ 3.6%€137,394above the sector's middle half▲ 5.5%€150,750above the sector's middle half▲ 9.7%€137,346above the sector's middle half▼ 8.9%
Total assets€177,720within the sector's middle half▼ 8.5%€177,971within the sector's middle half▲ 0.1%€210,695within the sector's middle half▲ 18.4%€248,943within the sector's middle half▲ 18.2%€176,840within the sector's middle half▼ 29.0%
Debt€51,962▼ 35.5%€47,692▼ 8.2%€73,301▲ 53.7%€98,192▲ 34.0%€39,493▼ 59.8%
Working capital€123,480above the sector's middle half▲ 11.0%€126,145above the sector's middle half▲ 2.2%€121,219above the sector's middle half▼ 3.9%€134,523above the sector's middle half▲ 11.0%€122,381above the sector's middle half▼ 9.0%
Solvency70.8%above the sector's middle half▲ 12.3pp73.2%above the sector's middle half▲ 2.4pp65.2%above the sector's middle half▼ 8.0pp60.6%within the sector's middle half▼ 4.7pp77.7%above the sector's middle half▲ 17.1pp
Current ratio3.38above the sector's middle half▲ 1.003.65above the sector's middle half▲ 0.273.55above the sector's middle half▼ 0.092.71within the sector's middle half▼ 0.845.66above the sector's middle half▲ 2.95
Return on assets (ROA)14.8%above the sector's middle half▲ 8.0pp2.5%within the sector's middle half▼ 12.3pp8.1%within the sector's middle half▲ 5.6pp10.6%within the sector's middle half▲ 2.5pp-7.6%below the sector's middle half▼ 18.2pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11,282 after €40,538 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €176,840
Fixed assets
€28,194 ▼ 21.4%
Current assets
€148,645 ▼ 30.2%
Equity and liabilities €176,840
Equity
€137,346 ▼ 8.9%
Debt
€39,493 ▼ 59.8%
Debt's share of the balance-sheet total falls from 39.4% to 22.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€3,585▼
2024 · €48,172
Cash flow
-€5,706▼
2024 · €34,012
Quick ratio
4.56▲
2024 · 2.47
Debt to equity
0.29▼
2024 · 0.65
ROE
-9.8%▼
2024 · 17.5%
Interest coverage
-0.65▼
2024 · 8.88
Debt ≤ 1 year
€26,264▼
2024 · €78,527
Debt > 1 year
€13,229▼
2024 · €19,665
Income taxes
€158▼
2024 · €13,937
Staff costs
€0▼
2024 · €11
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.5%
stopped otherwise
90%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 12,321 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €20,000 | €0 | - | - |
| Remuneration, social security and pensions62 | - | - | - | €11 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €96 | €593 | €1,904 | €7,634 | €7,698 | ▲ 0.8% |
| Other operating charges640/8 | €4,352 | €3,593 | €3,606 | €3,196 | €11,966 | ▲ 274% |
| Non-recurring operating charges66A | €0 | - | €2,252 | €310 | €0 | ▼ 100% |
| Gross operating margin9900 | €35,108 | €12,315 | €34,151 | €51,690 | €8,381 | ▼ 83.8% |
| Operating profit (loss)9901 | €30,659 | €8,129 | €26,389 | €40,538 | -€11,282 | ▼ 128% |
| Financial income75/76B | €3,672 | €3,087 | €3,872 | €5,199 | €3,510 | ▼ 32.5% |
| Recurring financial income75 | €3,672 | €3,087 | €3,872 | €5,199 | €3,510 | ▼ 32.5% |
| Financial charges65/66B | €1,142 | €4,634 | €5,430 | €5,423 | €5,474 | ▲ 0.9% |
| Recurring financial charges65 | €1,142 | €4,634 | €5,430 | €5,423 | €5,474 | ▲ 0.9% |
| Profit (loss) for the period before taxes9903 | €33,189 | €6,582 | €24,831 | €40,315 | -€13,246 | ▼ 133% |
| Income taxes67/77 | €6,832 | €2,060 | €7,716 | €13,937 | €158 | ▼ 98.9% |
| Profit (loss) for the period9904 | €26,357 | €4,521 | €17,115 | €26,378 | -€13,404 | ▼ 151% |
| Profit (loss) for the period to be appropriated9905 | €26,357 | €4,521 | €17,115 | €26,378 | -€13,404 | ▼ 151% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €177,720 | €177,971 | €210,695 | €248,943 | €176,840 | ▼ 29.0% |
| Fixed assets21/28 | €2,278 | €4,135 | €41,977 | €35,892 | €28,194 | ▼ 21.4% |
| Tangible fixed assets22/27 | €578 | €2,435 | €40,277 | €34,192 | €26,494 | ▼ 22.5% |
| Land and buildings22 | €578 | €482 | €5,367 | €5,819 | €5,427 | ▼ 6.7% |
| Furniture and vehicles24 | - | €1,953 | €34,909 | €28,373 | €21,067 | ▼ 25.8% |
| Financial fixed assets28 | €1,700 | €1,700 | €1,700 | €1,700 | €1,700 | = |
| Current assets29/58 | €175,442 | €173,837 | €168,718 | €213,051 | €148,645 | ▼ 30.2% |
| Amounts receivable after more than one year29 | €120,000 | €105,000 | €105,000 | €105,000 | €93,000 | ▼ 11.4% |
| Trade receivables290 | €120,000 | €105,000 | €0 | - | - | - |
| Other amounts receivable291 | - | - | €105,000 | €105,000 | €93,000 | ▼ 11.4% |
| Stocks and contracts in progress3 | €9,900 | €16,588 | €18,889 | €18,986 | €28,968 | ▲ 52.6% |
| Stocks30/36 | €9,900 | €16,588 | €18,889 | €18,986 | €28,968 | ▲ 52.6% |
| Amounts receivable within one year40/41 | €3,535 | €37,118 | €4,962 | €69,767 | €340 | ▼ 99.5% |
| Trade receivables40 | €103 | €32,582 | €19 | €19 | €340 | ▲ 1,726% |
| Other amounts receivable41 | €3,432 | €4,536 | €4,943 | €69,748 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €41,754 | €14,191 | €39,771 | €19,199 | €25,104 | ▲ 30.8% |
| Deferred charges and accrued income490/1 | €253 | €940 | €96 | €99 | €1,233 | ▲ 1,143% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €177,720 | €177,971 | €210,695 | €248,943 | €176,840 | ▼ 29.0% |
| Equity10/15 | €125,758 | €130,280 | €137,394 | €150,750 | €137,346 | ▼ 8.9% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €49,771 | €54,292 | €118,794 | €132,150 | €118,746 | ▼ 10.1% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | €47,911 | €52,432 | €118,794 | €132,150 | €118,746 | ▼ 10.1% |
| Profit (loss) carried forward14 | €57,387 | €57,387 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €51,962 | €47,692 | €73,301 | €98,192 | €39,493 | ▼ 59.8% |
| Amounts payable after more than one year17 | - | - | €25,801 | €19,665 | €13,229 | ▼ 32.7% |
| Financial debts170/4 | - | - | €25,801 | €19,665 | €13,229 | ▼ 32.7% |
| Amounts payable within one year42/48 | €51,962 | €47,692 | €47,500 | €78,527 | €26,264 | ▼ 66.6% |
| Current portion of amounts payable after more than one year42 | - | - | €5,850 | €6,136 | €6,436 | ▲ 4.9% |
| Financial debts43 | €5,143 | €5,207 | €5,224 | €5,081 | €81 | ▼ 98.4% |
| Other loans439 | €5,143 | €5,207 | €5,224 | €5,081 | €81 | ▼ 98.4% |
| Trade debts44 | €20,185 | €18,456 | €18,042 | €21,949 | €3,697 | ▼ 83.2% |
| Suppliers440/4 | €20,185 | €18,456 | €18,042 | €21,949 | €3,697 | ▼ 83.2% |
| Taxes, remuneration and social security45 | €4,488 | €1,227 | €4,794 | €22,340 | €10,146 | ▼ 54.6% |
| Taxes450/3 | €2,888 | €1,227 | €2,794 | €20,340 | €10,146 | ▼ 50.1% |
| Remuneration and social security454/9 | €1,600 | €0 | €2,000 | €2,000 | €0 | ▼ 100% |
| Other amounts payable47/48 | €22,147 | €22,802 | €13,590 | €23,021 | €5,903 | ▼ 74.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €26,357 | €4,521 | €17,115 | €26,378 | -€13,404 | ▼ 151% |
| + Depreciation and write-downs630 | €96 | €593 | €1,904 | €7,634 | €7,698 | ▲ 0.8% |
| Operating cash flow (approximation) | €26,453 | €5,115 | €19,019 | €34,012 | -€5,706 | ▼ 117% |
| Investment in fixed assets (approximation) | - | -€2,450 | -€39,746 | -€1,549 | €0 | ▲ 100% |
| Change in cash | - | -€27,564 | €25,580 | -€20,572 | €5,905 | ▲ 129% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 5.66
Current ratio from 2.71 to 5.66; short-term debt falls from €78,527 to €26,264.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Highest result since 2018net €26,378 ▲54.1%
Operating result €40,538, net result €26,378, both a record.
31-12
Financial
Equity above €150,000Eq €150,750 ▲9.7%
6 profitable years in a row build equity to €150,750.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
31-12
Financial
Back to profitnet €13,021
Net result €13,021 after one loss-making year.
31-12
Financial
Equity above €100,000Eq €100,374 ▲14.9%
Equity rises from €87,353 to €100,374.
Show earlier events
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 92 days late
30-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 303 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 17 acts read
About the unread acts
We know of 17 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
17 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, Sint-Niklaas · 2 establishment units since 2012
Ground area
1,398 m²
Building footprint
672 m²
Volume, LiDAR
3,752 m³
2 parcels, Flanders · tallest building 16.4 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
SPLINTEX
since 20122.208.695.938
Schrijberg 165, 9111 Sint-Niklaas
since 20242.357.595.391
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46002C1166/00N000 | Flanders | 728 m² | 1 · 611 m² | 11.6 m · 2 fl. |
| 46020C0560/00D000 | Flanders | 670 m² | 1 · 61 m² | 16.4 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesSint-Niklaas2.357.595.391
Sint-Gillis-Waas2.208.695.938
Similar companies · same sector, comparable size
SUPLEMINT
BE 0757.794.781
Lasne · Eq €137,074
A&F EXPRESS
BE 0713.572.382
Antwerpen · Eq €136,955
ONTBIJTCENTRALE
BE 0843.987.793
Scherpenheuvel-Zichem · Eq €138,373
LA SEPTIEME TASSE
BE 0865.826.156
Elsene · Eq €138,826
ZALIG
BE 0784.313.492
Gent · Eq €138,857
Of 2,474 companies in sector 47279 we hold annual accounts for 949. 738 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded01-02-1995
Fiscal year end31-12
Activities, NACEBEL 2025
47279Other retail sale of food
56112Limited-service restaurants, excluding mobile food services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0454422729
Also
9925:BE0454422729
Registered
24-11-2023
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.