SPN VC

Active

Private limited companyfounded 20215 yrs activeGentpoortstraat 14, 8000 Brugge, BelgiumKBO/BCE: BE 0765.335.245

SPN VC is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €17k and a net result of €-2k. Equity is shrinking by ~71.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 95% of 9863 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Signals

Two signals. The signal on the left, the evidence on the right.

○neutral

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-05-2025, 70 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

not confirmed

2024

70 d early

2023

47 d early

2022

52 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€17k▼ 10.7%

2023 · €19k

2022: €45k 2023: €19k

2022 → 2024

Net result

€-2k▲ 92.0%

2023 · €-25k

2022: €-5k 2023: €-25k

2022 → 2024

Total assets

€17k▼ 10.5%

2023 · €19k

2022: €45k 2023: €19k

2022 → 2024

Solvency

99.1%▼ 0.1pp

2023 · 99.3%

2022: 99.7% 2023: 99.3%

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€45k-€19k▼ 57.0%€17k▼ 10.7%

Operating result€-5k-€-25k▼ 371%€-2k▲ 92.1%

Net result€-5k-€-25k▼ 367%€-2k▲ 92.0%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €2k in 2024 against €25k in 2023; the loss shrinks.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Equity and liabilities €17k

99.1%

Equity €17k▼ 10.7%

Debt €148▲ 8.0%

The debt ratio rises from 0.7% to 0.9%: debt grows while equity shrinks.

Key figures and ratios

2024 value · change against 2023

Solvency

99.1%▼

2023 · 99.3%

ROE

-11.9%▲

2023 · -132.7%

ROA

-11.8%▲

2023 · -131.8%

Debt

€148▲

2023 · €137

Debt ≤ 1 year

€148▲

2023 · €137

A ratio outside any meaningful range has been withheld (balance sheet total €17k, equity €17k).

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€19k€17k▼

Current assets29/58€19k€17k▼

Stocks and contracts in progress3€0-

Stocks30/36€0-

Amounts receivable within one year40/41€1k€155▼

Other amounts receivable41€1k€155▼

Cash at bank and in hand54/58€18k€17k▼

Equity and liabilities

Total equity and liabilities10/49€19k€17k▼

Equity10/15€19k€17k▼

Contributions10/11€50k€50k=

Profit (loss) carried forward14€-31k€-33k▼

Amounts payable17/49€137€148▲

Amounts payable within one year42/48€137€148▲

Trade debts44€115€126▲

Suppliers440/4€115€126▲

Taxes, remuneration and social security45€22€22=

Taxes450/3€22€22=

Income statement Code20232024

Other operating charges640/8€729€3k▲

Gross operating margin9900€-25k€546▲

Operating profit (loss)9901€-25k€-2k▲

Financial charges65/66B€39€44▲

Recurring financial charges65€39€44▲

Profit (loss) for the period before taxes9903€-25k€-2k▲

Profit (loss) for the period9904€-25k€-2k▲

Profit (loss) for the period to be appropriated9905€-25k€-2k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-31k€-33k▼

Profit (loss) brought forward from the previous period14P€-5k€-31k▼

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

2025

22-05

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

14-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Weakest financial yearnet €-25k

Net result drops to €-25k, the lowest in the series; recovery starts the following year.

09-06

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

3 directors, no change since 2025

PATTYN Stan

Director · since 01-07-2025

Current

01-07-2025 PATTYN Stan: Appointed as Director

01-07-2025 DEKEMPE Stefaan: Resigned as Director

01-07-2025 LODENS Gwendolina: Resigned as Director

Location & real-estate footprint

Registered office, Brugge · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Gentpoortstraat 148000 Brugge

Ground area

141 m²

Building footprint

135 m²

Volume, LiDAR

855 m³

Parcel 31803C0414/00C000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

SPN VC

Gentpoortstraat 14, 8000 BruggeActivities of holding companies

since 20212.314.690.214

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31803C0414/00C000	Flanders	141 m²	1 · 135 m²	9.8 m · 2 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

Chaudfontaine · Eq €17k

JMC-Z

BE 0809.591.494

Brugge · Eq €17k

Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 6,836 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded18-03-2021

Fiscal year end31-12

Activities, NACEBEL

64210Activities of holding companies

70100Activities of head offices

70200Business and other management consultancy

82100Office administrative and support services

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.