SPRIGGAN
ActiveSPRIGGAN has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €140k and a net result of €45k. Equity is growing by ~23.5% per year across the filed fiscal years. Its solvency ranks better than 51% of 12632 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▼-2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.35 against 3.6 in 2024), and 42.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
57.5%
Return on assets
18.3%
Age of the figures
8 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 30-03-2026, 123 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
123 d early
2024
20 d late
2023
68 d late
2022
35 d early
2021
26 d late
2020
31 d late
2019
21 d late
← before the deadline
after the deadline →
neutral · 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.
Companies Code · seven monthsPosition in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€140k▲ 21.3%
2024 · €115k
2018: €17k
2019: €43k
2020: €63k
2021: €71k
2022: €35k
2023: €73k
2024: €115k
2018 → 2025
Total assets
€243k▲ 53.2%
2024 · €159k
2018: €48k
2019: €76k
2020: €96k
2021: €102k
2022: €48k
2023: €90k
2024: €159k
2018 → 2025
Net result
€45k▲ 5.4%
2024 · €42k
2018: €11k
2019: €25k
2020: €21k
2021: €30k
2022: €14k
2023: €38k
2024: €42k
2018 → 2025
Working capital
€139k▲ 23.1%
2024 · €113k
2018: €36k
2019: €55k
2020: €70k
2021: €72k
2022: €35k
2023: €69k
2024: €113k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€35k▼ 51.1%€73k▲ 109%€115k▲ 58.1%€140k▲ 21.3%
Operating result€39k-€20k▼ 47.8%€54k▲ 164%€61k▲ 12.5%€66k▲ 8.1%
Net result€30k-€14k▼ 52.3%€38k▲ 165%€42k▲ 11.2%€45k▲ 5.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 8% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €243k
Fixed assets
€329▼ 83.0%
Current assets
€243k▲ 54.8%
Equity and liabilities €243k
Equity
€140k▲ 21.3%
Debt
€103k▲ 137%
The debt ratio rises from 27.5% to 42.5%: debt grows faster than equity.
Key figures and ratios
EBITDA
€67k▲
2024 · €62k
Cash flow
€46k▲
2024 · €44k
Solvency
57.5%▼
2024 · 72.5%
Current ratio
2.35▼
2024 · 3.60
Quick ratio
2.35▼
2024 · 3.60
Debt / equity
0.74▲
2024 · 0.38
ROE
31.9%▼
2024 · 36.7%
ROA
18.3%▼
2024 · 26.6%
Interest coverage
23.19▼
2024 · 51.49
Debt
€103k▲
2024 · €44k
Debt ≤ 1 year
€103k▲
2024 · €44k
Income taxes
€18k▲
2024 · €17k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€159k€243k▲
Fixed assets21/28€2k€329▼
Tangible fixed assets22/27€2k€329▼
Furniture and vehicles24€2k€329▼
Current assets29/58€157k€243k▲
Amounts receivable within one year40/41€3k€3k▼
Trade receivables40€480€1k▲
Other amounts receivable41€3k€2k▼
Current investments50/53-€100k
Cash at bank and in hand54/58€153k€139k▼
Deferred charges and accrued income490/1€138€876▲
Equity and liabilities
Total equity and liabilities10/49€159k€243k▲
Equity10/15€115k€140k▲
Contributions10/11€19k€19k=
Reserves13€97k€121k▲
Distributable reserves133€97k€121k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€44k€103k▲
Amounts payable within one year42/48€44k€103k▲
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€6k€6k▼
Other amounts payable47/48€36k€96k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€1k€1k▲
Gross operating margin9900€64k€69k▲
Operating profit (loss)9901€61k€66k▲
Financial income75/76B€22€0▼
Recurring financial income75€22€0▼
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€59k€63k▲
Income taxes67/77€17k€18k▲
Profit (loss) for the period9904€42k€45k▲
Profit (loss) for the period to be appropriated9905€42k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€42k€45k▲
Transfer from equity791/2-€20k
Transfer to equity691/2€42k€45k▲
To other reserves6921€42k€45k▲
Profit to be distributed694/7-€20k
Return on contributions (dividend)694-€20k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €45k ▲5.4%
Operating result €66k, net result €45k, both a record.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Equity above €100kEq €115k ▲58.1%
7 profitable years in a row build equity to €115k.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Waregem · 1 establishment unit since 2018
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.
Karelmeers 368790 WaregemGround area
624 m²
Building footprint
143 m²
Volume, LiDAR
872 m³
Parcel 34452A0061/00L002, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SPRIGGAN
since 20182.272.015.954
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34452A0061/00L002 | Flanders | 624 m² | 1 · 143 m² | 9.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Lode Mortier
BE 0803.267.193
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FISCLEVER
BE 0422.159.143
Sint-Gillis (bij-Brussel) · Eq €140k
REGIE CONSTELLATION
BE 0431.826.974
Ukkel · Eq €140k
Of 12,122 companies in sector 69201 we hold annual accounts for 7,601. 6,499 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-2018
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.