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Spreds Finance

Active Risk: very low
Public limited companyfounded 2013active for 13 yearsKoloniënstraat 11, 1000 Brussel, Belgium304 active companies are registered at this addressKBO/BCE: BE 0538.839.354
Summary

Spreds Finance has been active since 2013 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61,500. Equity remains stable across the filed financial years (±0% per year). The computed 12-month bankruptcy probability is 0.1% (very low).

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Spreds FinanceActive
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Overview

Activity
“Créer des compartiments distincts dont les seuls créanciers ne peuvent être que les investisseurs…” (deed in French)
From the articles, 8 activitiesNo NACE code in the KBO yet1 site
Size
€61,801total assets 2025
Equity
€61,500
Financial health
Bankruptcy probabilitywithin 12 months
0.1%
Too few figures to score
Structure
Parent
SPREDS · 100%
Holdings
13
  • Spreds SAManaging director · permanent representative Charles-Albert de Radzitzky
  • Ya-K Consulting SADirector · permanent representative Gilles van der Meerschen
Auditor: Ernst et Young Reviseurs d'Entreprises2025 accounts 28 days early4 of 12 deeds summarised
Signalsraises riskNo main activity registeredlowers riskLiquidity: current ratio 205.37, cash €61,250Equity €61,500 (99.5% of total assets)Size: total assets €61,801neutralLatest accounts filed on timeShow the evidence

Bankruptcy probability

No current score
Insufficient figures
A score requires measurable solvency, liquidity and profitability. Missing figures are not a judgement about the company.
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025lowest value 09-2025: 0.1%● unchanged vs 08-2025lowest value 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026highest value
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Signals

Five signals.
lowers riskraises riskneutral
raises risk · No main activity registered
KBO
lowers risk · Liquidity: current ratio 205.37, cash €61,250
NBB · annual accounts
lowers risk · Equity €61,500 (99.5% of total assets)
NBB · annual accounts
lowers risk · Size: total assets €61,801
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
28 days early
2024
9 days early
2023
30 days early
2022
31 days early
2021
26 days early
2020
23 days early
2019
24 days early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 24 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 3 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
26-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Reappointments: Ya-K Consulting SA (director) and…Permanent representatives: Gilles van der…
  2. Annual accounts filedfinancial year 2025 · full…
  3. Reappointment: Spreds SA (managing director)Permanent representative: Charles-Albert de Radzitzky

Key points

  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Controlled by SPREDS 100% View
  • Board2 directors in office 2 View

By topic

Financials

Financial year
2025
Total assets
€61,801
Solvency
99.5%
Liquidity
205.37
Total assets▼ 0.3%
20182025
Go to Financials

Board & ownership

Board
2 members
Parent
SPREDS · 100%
Auditor
Ernst et Young Reviseurs…
  • Spreds SAManaging director
  • Ya-K Consulting SADirector
Go to Board & ownership

Timeline

Events
19
Since
2015
Next accounts
by 31-07-2027
  1. 22-07-2025Annual accounts filed
  2. 31-12-2024Liquidity more than 9 times
  3. 01-07-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Founded
13-09-2013
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
48
Annual meeting
20 June at 17:00
Purpose
“Créer des compartiments distincts dont les seuls créanciers ne peuvent être que les…” (deed in French)
Go to Articles of association

Key facts about Spreds Finance

What is the company number of Spreds Finance?
0538.839.354. In Belgium the VAT number is the company number with BE in front: BE 0538.839.354.
Where is Spreds Finance based?
The registered office is at Koloniënstraat 11, 1000 Brussel.Company details
What is the legal form of Spreds Finance?
Public limited company (NV).
When was Spreds Finance founded?
On 13-09-2013.
Is Spreds Finance still active?
Yes, Spreds Finance is an active enterprise in the KBO register.
What is the turnover of Spreds Finance?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Where can I find the annual accounts of Spreds Finance?
Spreds Finance filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Spreds Finance due?
By 31-07-2027, for financial year 2026.Timeline

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