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SPRIFRA

Active Risk: not assessed
Public limited companyfounded 20233 yrs activeRue Henri-Maus 263, 4000 Liège, BelgiumKBO/BCE: BE 0803.506.626
Summary

SPRIFRA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €539,440 and a net result of €190,044. Its solvency ranks better than 19% of 2790 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals

1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 filings
Deviation from the deadline
2025
not confirmed
2024
61 d late
2023
30 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 46 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.

Checked, nothing found (1)
neutral · 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

History

On 3 July 2023, SPRIFRA was incorporated as a Public limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, full schema

Equity
€539,440▲ 54.4%
2023 · €349,396
Net result
€190,044
2023 · -€604
Total assets
€2.8m▲ 700%
2023 · €349,780
Solvency
19.3%▼ 80.6pp
2023 · 99.9%
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20232024
Operating result-€597-€302,418
Net result-€604-€190,044
Equity€349,396-€539,440▲ 54.4%
Total assets€349,780-€2.8m▲ 700%
Debt€384-€2.3m▲ 587,203%
Working capital€347,461--€745,472
Solvency99.9%-19.3%▼ 80.6pp
Why a figure moved sharply
  • 2024 Equity +54%, Total assets +700% on 2023. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
-€100,000€0€100,000€200,000€300,000Operating result 2023: -€597-€597Net result 2023: -€604-€604Operating result 2024: €302,418€302,418Net result 2024: €190,044€190,04420232024-€100,000€0€100,000€200,000€300,000Operating result 2023: -€597-€597Net result 2023: -€604-€604Operating result 2024: €302,418€302,000Net result 2024: €190,044€190,00020232024
The operating result returns to profit in 2024: €302,418 after a loss of €597 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.8m
Fixed assets €2.5m
Current assets €296,448
Equity and liabilities €2.8m
Equity €539,440 ▲ 54.4%
Debt €2.3m ▲ 587,203%
Debt's share of the balance-sheet total rises from 0.1% to 80.7%. Equity and debt are higher.
Key figures and ratios
2024 value · change against 2023
ROE
35.2%▲
2023 · -0.2%
ROA
6.8%▲
2023 · -0.2%
Debt ≤ 1 year
€1.0m▲
2023 · €384
Debt > 1 year
€1.2m
Income taxes
€57,755
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 45 lines
Balance sheet Code20232024
Assets
Total assets20/58€349,780€2.8m▲
Formation expenses20€1,935€1,506▼
Fixed assets21/28-€2.5m
Financial fixed assets28-€2.5m
Current assets29/58€347,845€296,448▼
Amounts receivable within one year40/41€363€38,802▲
Trade receivables40-€38,802
Other amounts receivable41€363-
Current investments50/53-€180,000
Cash at bank and in hand54/58€347,483€77,646▼
Equity and liabilities
Total equity and liabilities10/49€349,780€2.8m▲
Equity10/15€349,396€539,440▲
Contributions10/11€350,000€350,000=
Capital10€350,000€350,000=
Issued capital100€350,000€350,000=
Reserves13-€9,501
Non-distributable reserves130/1-€9,501
Legal reserve130-€9,501
Profit (loss) carried forward14-€604€179,939▲
Amounts payable17/49€384€2.3m▲
Amounts payable after more than one year17-€1.2m
Financial debts170/4-€1.2m
Amounts payable within one year42/48€384€1.0m▲
Current portion of amounts payable after more than one year42-€164,343
Trade debts44€384€89▼
Suppliers440/4€384€89▼
Taxes, remuneration and social security45-€84,543
Taxes450/3-€82,043
Remuneration and social security454/9-€2,500
Other amounts payable47/48-€792,946
Accrued charges and deferred income492/3-€14,011
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€212€429▲
Other operating charges640/8-€50
Gross operating margin9900-€384€302,897▲
Operating profit (loss)9901-€597€302,418▲
Financial charges65/66B€8€54,619▲
Recurring financial charges65€8€54,619▲
Profit (loss) for the period before taxes9903-€604€247,799▲
Income taxes67/77-€57,755
Profit (loss) for the period9904-€604€190,044▲
Profit (loss) for the period to be appropriated9905-€604€190,044▲
Appropriation of the result
Profit (loss) to be appropriated9906-€604€189,440▲
Profit (loss) brought forward from the previous period14P--€604
Transfer to equity691/2-€9,501
To the legal reserve6920-€9,501

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€212€429▲ 102%
Other operating charges640/8-€50-
Gross operating margin9900-€384€302,897▲ 78,889%
Operating profit (loss)9901-€597€302,418▲ 50,769%
Financial charges65/66B€8€54,619▲ 728,153%
Recurring financial charges65€8€54,619▲ 728,153%
Profit (loss) for the period before taxes9903-€604€247,799▲ 41,103%
Income taxes67/77-€57,755-
Profit (loss) for the period9904-€604€190,044▲ 31,546%
Profit (loss) for the period to be appropriated9905-€604€190,044▲ 31,546%
Line20232024Change
Assets
Total assets20/58€349,780€2.8m▲ 700%
Formation expenses20€1,935€1,506▼ 22.2%
Fixed assets21/28-€2.5m-
Financial fixed assets28-€2.5m-
Current assets29/58€347,845€296,448▼ 14.8%
Amounts receivable within one year40/41€363€38,802▲ 10,602%
Trade receivables40-€38,802-
Other amounts receivable41€363--
Current investments50/53-€180,000-
Cash at bank and in hand54/58€347,483€77,646▼ 77.7%
Equity and liabilities
Total equity and liabilities10/49€349,780€2.8m▲ 700%
Equity10/15€349,396€539,440▲ 54.4%
Contributions10/11€350,000€350,000=
Capital10€350,000€350,000=
Issued capital100€350,000€350,000=
Reserves13-€9,501-
Non-distributable reserves130/1-€9,501-
Legal reserve130-€9,501-
Profit (loss) carried forward14-€604€179,939▲ 29,874%
Amounts payable17/49€384€2.3m▲ 587,203%
Amounts payable after more than one year17-€1.2m-
Financial debts170/4-€1.2m-
Amounts payable within one year42/48€384€1.0m▲ 270,923%
Current portion of amounts payable after more than one year42-€164,343-
Trade debts44€384€89▼ 76.9%
Suppliers440/4€384€89▼ 76.9%
Taxes, remuneration and social security45-€84,543-
Taxes450/3-€82,043-
Remuneration and social security454/9-€2,500-
Other amounts payable47/48-€792,946-
Accrued charges and deferred income492/3-€14,011-
Line20232024Change
Profit (loss) for the period9904-€604€190,044▲ 31,546%
+ Depreciation and write-downs630€212€429▲ 102%
Operating cash flow (approximation)-€392€190,474▲ 48,698%
Change in cash--€269,837-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
30-09
NBB filing Annual accounts filed
fiscal year 2024 · full schema · 61 days late
2024
31-12
Financial Back to profitnet €190,044
Net result €190,044 after one loss-making year.
31-12
Financial Equity above €500,000Eq €539,440 ▲54.4%
Equity rises from €349,396 to €539,440.
30-08
NBB filing Annual accounts filed
fiscal year 2023 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
2 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, Liège
exact location from the address register On OpenStreetMap
Ground area
167 m²
Building footprint
48 m²
Volume, LiDAR
447 m³
Parcel 62803D0187/00B002, Wallonia · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62803D0187/00B002 Wallonia 167 m² 1 · 48 m² 11.3 m · 3 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.

Structure & network

Owners and holdings

1 holding

Owners 0

The accounts to 31-12-2024 list no shareholders, and no other source names one.

Holdings 1

According to the 2024 annual accounts of SPRIFRA and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 13,580 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPublic limited company
Founded03-07-2023
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID 0208:0803506626
Also 9925:BE0803506626
Registered 19-02-2026

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.