SPOT - ON
ActiveSPOT - ON has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €48k and a net result of €-1k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability36=
Solvency48▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.03 against 1.96 in 2023; short-term debt: 25.9% and cash: 0.7% of total assets), but 77.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
22.6%
Return on assets
-0.7%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 37959 sector peers (2024).
NBB · sector comparisonPosition among 37959 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-08-2025, 18 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
not confirmed
2024
18 d late
2023
40 d late
2022
31 d late
2021
29 d late
2020
26 d late
2019
42 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€48k▼ 2.9%
2023 · €49k
2018: €-19k
2019: €-41k
2020: €-49k
2021: €32k
2022: €51k
2023: €49k
2018 → 2024
Total assets
€212k▼ 10.9%
2023 · €238k
2018: €13k
2019: €16k
2020: €41k
2021: €223k
2022: €252k
2023: €238k
2018 → 2024
Net result
€-1k▼ 1.5%
2023 · €-1k
2018: €-22k
2019: €-23k
2020: €-8k
2021: €82k
2022: €18k
2023: €-1k
2018 → 2024
Working capital
€57k▼ 15.6%
2023 · €68k
2018: €-29k
2019: €-41k
2020: €-49k
2021: €-68k
2022: €127k
2023: €68k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-49k-€32k€51k▲ 57.1%€49k▼ 2.8%€48k▼ 2.9%
Operating result€-7k-€81k€28k▼ 65.1%€7k▼ 74.2%€-4k
Net result€-8k-€82k€18k▼ 77.4%€-1k€-1k▼ 1.5%
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 2024: a loss of €4k after €7k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €212k
Fixed assets
€100k=
Current assets
€112k▼ 18.9%
Equity and liabilities €212k
Equity
€48k▼ 2.9%
Debt
€164k▼ 13.0%
The debt ratio falls from 79.3% to 77.4%. Equity and debt are lower.
Key figures and ratios
Solvency
22.6%▲
2023 · 20.7%
Current ratio
2.03▲
2023 · 1.96
Quick ratio
2.03▲
2023 · 1.96
Debt / equity
3.43▼
2023 · 3.82
ROE
-3.0%▼
2023 · -2.9%
ROA
-0.7%▼
2023 · -0.6%
Debt
€164k▼
2023 · €189k
Debt ≤ 1 year
€55k▼
2023 · €71k
Debt > 1 year
€109k=
2023 · €109k
Income taxes
€233▼
2023 · €1k
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€238k€212k▼
Fixed assets21/28€100k€100k=
Financial fixed assets28€100k€100k=
Current assets29/58€138k€112k▼
Amounts receivable within one year40/41€133k€111k▼
Trade receivables40€49k€26k▼
Other amounts receivable41€85k€85k▲
Cash at bank and in hand54/58€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€238k€212k▼
Equity10/15€49k€48k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€88k€88k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€82k€82k=
Profit (loss) carried forward14€-101k€-102k▼
Amounts payable17/49€189k€164k▼
Amounts payable after more than one year17€109k€109k=
Other amounts payable178/9€109k€109k=
Amounts payable within one year42/48€71k€55k▼
Trade debts44€45k€29k▼
Suppliers440/4€45k€29k▼
Taxes, remuneration and social security45€15k€3k▼
Taxes450/3€15k-
Remuneration and social security454/9-€3k
Other amounts payable47/48€11k€24k▲
Accrued charges and deferred income492/3€9k-
Income statement
Code20232024
Other operating charges640/8€516€668▲
Gross operating margin9900€8k€-4k▼
Operating profit (loss)9901€7k€-4k▼
Financial income75/76B€2k€11k▲
Recurring financial income75€2k€11k▲
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€-80€-1k▼
Income taxes67/77€1k€233▼
Profit (loss) for the period9904€-1k€-1k▼
Profit (loss) for the period to be appropriated9905€-1k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-101k€-102k▼
Profit (loss) brought forward from the previous period14P€-99k€-101k▼
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
09-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 40 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Liquidity times 9current ratio 6.06
Current ratio from 0.64 to 6.06; short-term debt falls from €190k to €25k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €82k
Net result €82k after 3 loss-making years.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 42 days late
2019
31-12
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
2016
25-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Gent · 1 establishment unit since 1997
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.
Jodenstraat 29000 GentGround area
330 m²
Building footprint
167 m²
Volume, LiDAR
2,167 m³
2 parcels, Brussels, Flanders · tallest building 18.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
SPOT-ON NV
since 19972.083.161.904
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0331/00X003 | Brussels | 290 m² | 1 · 136 m² | 18.9 m · 5 fl. |
| 44803C0708/00D000 | Flanders | 41 m² | 1 · 31 m² | 13.6 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
MY NEXT STEP
BE 0772.604.406
Wavre · Eq €48k
SK Mille Consult
BE 0716.893.049
Schaarbeek · Eq €48k
LANCEE
BE 1011.374.755
Nivelles · Eq €48k
P CARRÉ
BE 0792.226.417
Charleroi · Eq €48k
INDEE
BE 0536.447.414
Lede · Eq €48k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 37,944 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded11-07-1997
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.