Spoidenne construct
ActiveSummary
The computed 12-month bankruptcy probability of Spoidenne construct is 2.3% (moderate). The 2025 annual accounts show equity of €92k and a net result of €75k. Its solvency ranks better than 76% of 27965 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency96▲+7
Growth78
Track record82
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days only on tighter terms
Liquidity ample (current ratio 3.8 against 2.35 in 2024; short-term debt: 20.4% and cash: 23.4% of total assets), and 28.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
71.1%
Return on assets
58%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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 · 2 filingsDeviation from the deadline
2025
11 d late
2024
18 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€92k▲ 442%
2024 · €17k
2024: €17k
2025: €92k▲ +442% vs 2024
2024 → 2025
Total assets
€130k▲ 385%
2024 · €27k
2024: €27k
2025: €130k▲ +385% vs 2024
2024 → 2025
Net result
€75k▲ 970%
2024 · €7k
2024: €7k
2025: €75k▲ +970% vs 2024
2024 → 2025
Working capital
€74k▲ 466%
2024 · €13k
2024: €13k
2025: €74k▲ +466% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€17k-€92k▲ 442%
2024: €17k
2025: €92k▲ +442% vs 2024
Operating result€9k-€94k▲ 971%
2024: €9k
2025: €94k▲ +971% vs 2024
Net result€7k-€75k▲ 970%
2024: €7k
2025: €75k▲ +970% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 971% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €130k
Fixed assets
€29k ▲ 638%
Current assets
€100k ▲ 341%
Equity and liabilities €130k
Equity
€92k ▲ 442%
Debt
€37k ▲ 286%
Debt's share of the balance-sheet total falls from 36.3% to 28.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€96k▲
2024 · €9k
Cash flow
€77k▲
2024 · €7k
Current ratio
3.80▲
2024 · 2.35
Debt to equity
0.41▼
2024 · 0.57
ROE
81.5%▲
2024 · 41.3%
ROA
58.0%▲
2024 · 26.3%
Interest coverage
396.94▼
2024 · 853.50
Debt ≤ 1 year
€26k▲
2024 · €10k
Debt > 1 year
€11k
Income taxes
€20k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€27k€130k▲
Fixed assets21/28€4k€29k▲
Intangible fixed assets21-€8k
Tangible fixed assets22/27€4k€21k▲
Furniture and vehicles24€4k€21k▲
Current assets29/58€23k€100k▲
Amounts receivable within one year40/41€12k€67k▲
Trade receivables40-€15k
Other amounts receivable41€12k€52k▲
Cash at bank and in hand54/58€10k€30k▲
Deferred charges and accrued income490/1€683€3k▲
Equity and liabilities
Total equity and liabilities10/49€27k€130k▲
Equity10/15€17k€92k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€7k€82k▲
Amounts payable17/49€10k€37k▲
Amounts payable after more than one year17-€11k
Financial debts170/4-€11k
Amounts payable within one year42/48€10k€26k▲
Current portion of amounts payable after more than one year42-€3k
Trade debts44€8k€2k▼
Suppliers440/4€8k€2k▼
Taxes, remuneration and social security45€2k€21k▲
Taxes450/3€2k€21k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33€2k▲
Other operating charges640/8€372€5k▲
Non-recurring operating charges66A-€967
Gross operating margin9900€9k€102k▲
Operating profit (loss)9901€9k€94k▲
Financial income75/76B-€821
Recurring financial income75-€821
Financial charges65/66B€10€243▲
Recurring financial charges65€10€243▲
Profit (loss) for the period before taxes9903€9k€95k▲
Income taxes67/77€2k€20k▲
Profit (loss) for the period9904€7k€75k▲
Profit (loss) for the period to be appropriated9905€7k€75k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€82k▲
Profit (loss) brought forward from the previous period14P-€7k
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €33 | €2k | ▲ 6,040% |
| Other operating charges640/8 | €372 | €5k | ▲ 1,186% |
| Non-recurring operating charges66A | - | €967 | - |
| Gross operating margin9900 | €9k | €102k | ▲ 1,008% |
| Operating profit (loss)9901 | €9k | €94k | ▲ 971% |
| Financial income75/76B | - | €821 | - |
| Recurring financial income75 | - | €821 | - |
| Financial charges65/66B | €10 | €243 | ▲ 2,243% |
| Recurring financial charges65 | €10 | €243 | ▲ 2,243% |
| Profit (loss) for the period before taxes9903 | €9k | €95k | ▲ 979% |
| Income taxes67/77 | €2k | €20k | ▲ 1,016% |
| Profit (loss) for the period9904 | €7k | €75k | ▲ 970% |
| Profit (loss) for the period to be appropriated9905 | €7k | €75k | ▲ 970% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €27k | €130k | ▲ 385% |
| Fixed assets21/28 | €4k | €29k | ▲ 638% |
| Intangible fixed assets21 | - | €8k | - |
| Tangible fixed assets22/27 | €4k | €21k | ▲ 436% |
| Furniture and vehicles24 | €4k | €21k | ▲ 436% |
| Current assets29/58 | €23k | €100k | ▲ 341% |
| Amounts receivable within one year40/41 | €12k | €67k | ▲ 463% |
| Trade receivables40 | - | €15k | - |
| Other amounts receivable41 | €12k | €52k | ▲ 335% |
| Cash at bank and in hand54/58 | €10k | €30k | ▲ 199% |
| Deferred charges and accrued income490/1 | €683 | €3k | ▲ 328% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €27k | €130k | ▲ 385% |
| Equity10/15 | €17k | €92k | ▲ 442% |
| Contributions10/11 | €10k | €10k | = |
| Profit (loss) carried forward14 | €7k | €82k | ▲ 1,070% |
| Amounts payable17/49 | €10k | €37k | ▲ 286% |
| Amounts payable after more than one year17 | - | €11k | - |
| Financial debts170/4 | - | €11k | - |
| Amounts payable within one year42/48 | €10k | €26k | ▲ 173% |
| Current portion of amounts payable after more than one year42 | - | €3k | - |
| Trade debts44 | €8k | €2k | ▼ 70.5% |
| Suppliers440/4 | €8k | €2k | ▼ 70.5% |
| Taxes, remuneration and social security45 | €2k | €21k | ▲ 1,074% |
| Taxes450/3 | €2k | €21k | ▲ 1,074% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €7k | €75k | ▲ 970% |
| + Depreciation and write-downs630 | €33 | €2k | ▲ 6,040% |
| Operating cash flow (approximation) | €7k | €77k | ▲ 993% |
| Investment in fixed assets (approximation) | - | €-27k | - |
| Change in cash | - | €20k | - |
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
25-09
State Gazette act
Appointment: BINDELS Julie (director)3 facts ▸
State Gazette act
Appointment: BINDELS Julie (director)
3 facts ▸
- General meeting, 27-08-2026
- Director appointment, BINDELS Julie (director)
- Board composition, 2
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
State Gazette actNBB filing
1 of 2 acts read
About the unread acts
Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not 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
1 director, last change in 2026
BINDELS Julie
CurrentDirector · since 27-08-2026
27-08-2026
Appointed as Director
Not every act has been read: a resignation may be missing here
1 of this company's 2 Belgian State Gazette acts has not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Vorst · 1 establishment unit since 2024
Ground area
203 m²
Building footprint
92 m²
Volume, LiDAR
1,455 m³
Parcel 21383B0031/00A027, Brussels · tallest building 18.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
SPOIDENNE CONSTRUCT
since 20242.367.006.470
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21383B0031/00A027 | Brussels | 203 m² | 1 · 92 m² | 18.6 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Articles of association
Who signs
“La nomination de : - Madame BINDELS Julie, en qualité de nouvelle administratrice. Sur cette base, la société compte désormais deux administrateurs, qui ne forment pas un organe collègial. De ce fait, conformément à l'article 12 des statuts, la société sera valablement engagée, vis-à-vis des tiers…”
Full text
La nomination de : - Madame BINDELS Julie, en qualité de nouvelle administratrice. Sur cette base, la société compte désormais deux administrateurs, qui ne forment pas un organe collègial. De ce fait, conformément à l'article 12 des statuts, la société sera valablement engagée, vis-à-vis des tiers, la signature individuelle d'un seul administrateur. par AFC Belgique SRL Agissant en qualité de mandataire, Représentée par Madame Devillet Nancy En qualité d'administratrice unique Le PV de l'Assemblée Générale a également été déposé
Similar companies · same sector, comparable size
MASU GROUP
BE 0643.616.972
Brussel · Eq €92,217
KEULEN RAF BETONWERKEN
BE 0692.682.047
Lanaken · Eq €92,315
ANATOL
BE 0536.638.642
Koekelberg · Eq €92,169
GM RENOVATIONS
BE 0756.458.062
Anderlecht · Eq €92,353
HYDROSOL
BE 0771.642.621
Grâce-Hollogne · Eq €92,371
Of 15,529 companies in sector 43990 we hold annual accounts for 7,420. 6,244 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
Founded02-12-2024
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
Contact
E-mail
spoidenne.c@gmail.com
Phone
+32496338760
Scores and ratios are computed by Checked and are not a credit decision.