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SPOTTS

Active
KBO/BCE: BE 0713.551.497
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Age7 yrs
Board4
Connections3
Real estate1 parcel · 1,443 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of SPOTTS is 0.3% (very low). The 2025 annual accounts show equity of €1.82M and a net result of €418k. Equity is growing by ~64.6% per year across the filed fiscal years. Its solvency ranks better than 22% of 500 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.

Signals

3 signals · with evidence
Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 500 sector peers (2025).
View the sector comparison
Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend
Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 18-09-2025, 43 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
How we compute the deadline
The year end is derived from 6 filed financial years, each closing on 31-03. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-03-2025, that is 31-10-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-03-2025 31-10-2025 18-09-2025 43 d early 2025-00496143
31-03-2024 31-10-2024 30-10-2024 1 d early 2024-00528501
31-03-2023 31-10-2023 31-10-2023 on the day 2023-00502227
31-03-2022 31-10-2022 28-10-2022 3 d early 2022-20484231
31-03-2021 31-10-2021 18-10-2021 13 d early 2021-72100269
31-03-2020 31-10-2020 28-09-2020 33 d early 2020-56000361

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2018, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.3% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€418k+36.7%
Working capital€-2.40M-345.4%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 18-09-2025 with the NBB · fiscal year 2025 · verkort
€0€200k€400k€600k€800kOperating result 2021: €5k€5kNet result 2021: €2k€2kOperating result 2022: €4k€4kNet result 2022: €2k€2kOperating result 2023: €5k€5kNet result 2023: €30k€30kOperating result 2024: €729k€729kNet result 2024: €306k€306kOperating result 2025: €780k€780kNet result 2025: €418k€418k20212022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~64.6%/year over 6 fiscal years, indicative, assuming unchanged policy.
€0€1.00M€2.00M€3.00M2026: €2.15M (€2.01M - €2.30M)2027: €2.52M (€2.37M - €2.66M)2028: €2.88M (€2.73M - €3.02M)2020: €22k2021: €23k2022: €25k2023: €1.10M2024: €1.40M2025: €1.82M202020212022202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 16.9% 44.9%
better than 22% of 500 sector peers
Net result €418k €55k
better than 89% of 500 sector peers
Equity €1.82M €214k
better than 87% of 500 sector peers
Gross operating margin €780k €98k
better than 91% of 500 sector peers
Total assets €10.77M €767k
better than 95% of 500 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P22
2020: P47 · n=4402022: P91 · n=8612023: P21 · n=11612024: P21 · n=13962025: P22 · n=5002020 2025
Weakening position over 2020-2025 · n=440-1396
Net result P89
2020: P37 · n=4412022: P27 · n=8612023: P48 · n=11612024: P87 · n=13972025: P89 · n=5002020 2025
Improving position over 2020-2025 · n=441-1397
Equity P87
2020: P21 · n=4412022: P24 · n=8612023: P83 · n=11622024: P86 · n=13972025: P87 · n=5002020 2025
Improving position over 2020-2025 · n=441-1397
Gross operating margin P91
2020: P26 · n=4402022: P18 · n=8562023: P19 · n=11552024: P93 · n=13962025: P91 · n=5002020 2025
Improving position over 2020-2025 · n=440-1396
Describes the position versus peers, not a forecast.
EBITDA
€780k
+16644.1% 20-25
Net profit
€418k
+36.7% 20-25
Cash flow
€419k
+1274.5% 20-25
Total assets
€10.77M
+5.3% 20-25
Equity
€1.82M
+29.8% 20-25
Working capital
€-2.40M
-345.4% 20-25
Employees (FTE)
0
0.0% 20-25
Income taxes
€106k
+15.1% 20-25
Dividends
€0
- 20-25
Debt
€8.95M
+1.4% 20-25
Debt ≤ 1y
€2.77M
+238.7% 20-25
Debt > 1y
€6.08M
-23.3% 20-25
Current ratio
0.13
-60.8% 20-25
Quick ratio
0.13
-60.8% 20-25
Solvency
16.9%
+23.3% 20-25
Debt / equity
4.92
-21.9% 20-25
ROE
23.0%
+5.3% 20-25
ROA
3.9%
+29.8% 20-25
Interest coverage
2.16
+2648.7% 20-25
Figures by fiscal year
Fiscal year2025
Depositverkort
Revenue-
EBITDA€780k
Net profit€418k
Cash flow€419k
Staff costs-
Income taxes€106k
Dividends-
Total assets€10.77M
Equity€1.82M
Debt€8.95M
of which ≤ 1y€2.77M
of which > 1y€6.08M
Working capital€-2.40M
Employees (FTE)-
Ratios (computed)
2025
Current ratio0.13
Quick ratio0.13
Working capital ratio-22.3%
Solvency16.9%
Debt / equity4.92
Long-term debt ratio3.34
Interest coverage2.16
Gross margin-
Net margin-
ROA3.9%
ROE23.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€10.77M
Fixed assets 21/28€10.40M
Intangible fixed assets 21€3k
Financial fixed assets 28€10.40M
Current assets 29/58€371k
Amounts receivable within one year 40/41€160k
Cash & bank 54/58€200k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€10.77M
Equity 10/15€1.82M
Contributions / capital 10/11€1.06M
Reserves 13€5k
Accumulated profits (losses) 14€755k
Amounts payable 17/49€8.95M
Amounts payable after one year 17€6.08M
Amounts payable within one year 42/48€2.77M
Trade debts payable within one year 44€39
Income statement
Gross operating margin 9900€780k
Operating result 9901€780k
Financial income 75€106k
Financial charges 65€361k
Result before taxes 9903€525k
Income taxes 67/77€106k
Net result for the period 9904€418k
Result to be appropriated 9905€418k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
46 / 100 Fair
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Directors

Directors & mandates

under verification
Directors derived from a single State Gazette act, under verification
All 4 current directors first appear in the same act (23310936). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
  • BV Mare InvestLegal entity
    Director
    State Gazette act 23310936 (03-02-2023)
    Current
    16-01-2023 → present
  • BV MARE MANAGEMENTLegal entity
    Director
    State Gazette act 23310936 (03-02-2023)
    Current
    16-01-2023 → present
  • DMIND BVLegal entity
    Director
    State Gazette act 23310936 (03-02-2023)
    Current
    16-01-2023 → present
  • RUELegal entity
    Director· perm. rep.: Olivier Sterckx
    State Gazette act 23310936 (03-02-2023)
    Current
    16-01-2023 → present
    2 events
    • 16-01-2023 Appointed· Director
    • 16-01-2023 Appointed· Chair
Former directors (1)
  • Olivier Sterckx
    Director
    State Gazette act 23310936 (03-02-2023)
    Former
    - → 16-01-2023
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies(70200)
Legal form Private limited company(610)
Incorporation14-11-2018
StatusActive
Postal code9300

Structure & network

Connections & network

3 connected companies
REPLICA4U, We sit on their board RREPLICA4UKOMPOSIET, Shared director KKOMPOSIETRUE, Shared director RRUESPOTTS SPOTTS0713.551.497
Group structureShared directors
Group structure
REPLICA4U
We sit on their board · 1 location
→
Network connections
KOMPOSIET
Shared director
→
RUE
Shared director
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Ownership & control

1 party
SPOTTSBE 0713.551.497
controls
Where this company holds controlthis company sits on their board1
REPLICA4U
1 location

Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.

Locations & real estate

Registered office

from the Crossroads Bank
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.

Moorselbaan 3349300 Aalst

Establishment units

1 location
Moorselbaan 334, 9300 Aalst
Holdings
since 20182.285.899.525
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,443 m²
Buildings1
Building footprint298 m²
Volume (LiDAR)1,834 m³
Tallest building10.1 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
41303E0346/00M000 Flanders 1,443 m² 1 · 298 m² 10.1 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts
Capital history · 3
03-02-2023
Capital conversion: description: werkelijk gestort kapitaal en de wettelijke reserve ... omgezet werden in een statutair onbeschikbare eigen vermogensrekening
03-02-2023
Capital increase: amount: 1040000, shares: 1040, currency: EUR
03-02-2023
Capital increase: total_shares_after: 1060
All acts · 1 updated 3 years ago
2023
03-02-2023 Notarial deed · General meeting · Statute amendment · Legal form conversion Open-capture extraction·Olivier Van Maele
  • Filing: 2023-02-01 · SPOTTS
  • Publication: 2023-02-03 · SPOTTS
  • Notarial deed: 2023-01-16 · SPOTTS
  • General meeting: 2023-01-16 · SPOTTS
  • Statute amendment: 2023-01-16 · SPOTTS
  • Legal form conversion: Besloten vennootschap met beperkte aansprakelijkheid · SPOTTS
  • Capital conversion: description: werkelijk gestort kapitaal en de wettelijke reserve ... omgezet werden in een statutair onbeschikbare eigen vermogensrekening · SPOTTS
  • Reserve release: amount: 20000, currency: EUR · SPOTTS
  • Capital increase: amount: 1040000, shares: 1040, currency: EUR · SPOTTS
  • Auditor waiver · SPOTTS
  • Share distribution: shares: 1040 · SPOTTS
  • Capital increase: total_shares_after: 1060 · SPOTTS
  • Bank account: BE30 0689 3222 6611 · SPOTTS
  • Statute amendment: 2023-01-16 · SPOTTS
  • Act object: WIJZIGING RECHTSVORM, ONTSLAGEN, BENOEMINGEN,
Summary: Notarial deed · General meeting · Statute amendment · Legal form conversionNotary: Olivier Van Maele

Analysis

Snowflake analysis

financial profile on 5 axes
Health46Profitability100Solvency11Growth78Stability100
67 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 46
Profitability 100
Solvency 11
Growth 78
Stability 100

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 15,318 of the 81,985 companies in this sector. 3,559 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Holdings64200Activiteiten van holdings64210Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameNL SPOTTS
Registered office
Moorselbaan 334
9300 Aalst, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.