SPOT CONSULT

Active

Private limited companyfounded 199728 yrs activeRue de Virelles(CH) 18, 6460 Chimay, BelgiumKBO/BCE: BE 0461.608.251

Summary

SPOT CONSULT has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78,302 and a net result of €24,536. Equity is growing by ~23.8% per year across the filed fiscal years. Its solvency ranks better than 42% of 3513 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

SPOT CONSULTActiveChecked score 92/100

Risk analysis Report Compare

Activity

Support activities for crop production

NACE 01610NACE 71310

1 site

Size

€315,577total assets 2025

Equity: €78,302
Profit: €24,536

Turnover not published (abridged schema)

Financial health

92 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.1%

Structure

Accounts 14 d early0 of 4 deeds read

Why 92- Liquidity: current ratio 1.19, cash €10,347+ Size: total assets €315,577+ Sector Crop and animal production, hunting and related service activities (NACE 01)+ Figures for FY 2025 (filed 17-07-2026)Show the evidence

Checked score

Score 2025

92 / 100

Excellent

Probability in this band: under 0.55%

Better than 52% of its sector peers (NACE 01, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Average

Solvency 50+9

equity 24.8% of total assets

Liquidity 16+7

short-term debt 70.4% · cash 3.3%

Profitability 78+9

return on assets 7.8%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (5,652 companies)

Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%● 0.0% vs 12-2024 02-2025: 0.2%● 0.0% vs 01-2025 03-2025: 0.2%● 0.0% vs 02-2025 04-2025: 0.2%▲ +4.1% vs 03-2025 05-2025: 0.2%▲ +5.6% vs 04-2025highest value 06-2025: 0.2%▼ -5.3% vs 05-2025 07-2025: 0.1%▼ -64.1% vs 06-2025lowest value 08-2025: 0.2%▲ +92.8% vs 07-2025 09-2025: 0.2%● 0.0% vs 08-2025 10-2025: 0.2%● 0.0% vs 09-2025 11-2025: 0.2%▼ -3.1% vs 10-2025 12-2025: 0.2%● 0.0% vs 11-2025 01-2026: 0.2%● 0.0% vs 12-2025 02-2026: 0.2%● 0.0% vs 01-2026 03-2026: 0.2%▲ +16.1% vs 02-2026 04-2026: 0.2%▼ -1.1% vs 03-2026 05-2026: 0.2%▲ +3.4% vs 04-2026 06-2026: 0.2%▼ -2.2% vs 05-2026 07-2026: 0.2%▲ +18.3% vs 06-2026 08-2026: 0.1%▼ -37.6% vs 07-2026 09-2026: 0.1%● 0.0% vs 08-2026 10-2026: 0.1%● 0.0% vs 09-2026

Size: total assets €315,577 lowers the probability for this profile
Sector Crop and animal production, hunting and related service activities (NACE 01) lowers the probability
Liquidity: current ratio 1.19, cash €10,347 raises the probability
Figures for FY 2025 (filed 17-07-2026) lowers the probability

Credit up to €7,000 at 30 days acceptable

Liquidity tight (current ratio 1.19 against 0.99 in 2024; short-term debt: 70.4% and cash: 3.3% of total assets), and 75.2% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 01, micro). Better than this share of them on solvency 39%, liquidity 13%, profitability 70%, growth against the median 85%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

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

−lowers risk+raises risk○neutral

Size: total assets €315,577

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Sector Crop and animal production, hunting and related service activities (NACE 01)

In the bankruptcy model this factor lowers the probability.

KBO

Liquidity: current ratio 1.19, cash €10,347

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Figures for FY 2025 (filed 17-07-2026)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-07-2026, 14 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

14 d early

2024

20 d early

2023

12 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 15 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 37% of the sector filed late.

Checked, nothing found (2)

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 17 July (3 of the last 3 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

03-10-2026 today31-12-2026 close31-07-2027 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