Summary
SPRINGUEL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €649,830 and a net result of €37,899. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 85% of 1502 sector peers (fiscal year 2025). The company has been active since 1988 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
28 d early
2023
6 d early
2022
2 d late
2021
12 d late
2020
36 d early
2019
26 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 6 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 26 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#6 oldest company in Marchin
Equity
€649,830▲ 6.2%
2024 · €611,931
Net result
€37,899▼ 84.7%
2024 · €248,499
Total assets
€791,056▼ 3.1%
2024 · €816,075
Solvency
82.1%▲ 7.2pp
2024 · 75.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€84,216▼ 15.5%€64,392▼ 23.5%€143,994▲ 124%€368,974▲ 156%€61,133▼ 83.4%
Net result€23,196within the sector's middle half▼ 56.6%€10,042within the sector's middle half▼ 56.7%€79,781above the sector's middle half▲ 694%€248,499above the sector's middle half▲ 211%€37,899within the sector's middle half▼ 84.7%
Equity€273,609within the sector's middle half▲ 9.3%€283,651within the sector's middle half▲ 3.7%€363,432above the sector's middle half▲ 28.1%€611,931above the sector's middle half▲ 68.4%€649,830within the sector's middle half▲ 6.2%
Total assets€520,483within the sector's middle half▲ 10.9%€562,622within the sector's middle half▲ 8.1%€626,370within the sector's middle half▲ 11.3%€816,075above the sector's middle half▲ 30.3%€791,056within the sector's middle half▼ 3.1%
Debt€246,875▲ 12.8%€278,971▲ 13.0%€262,938▼ 5.7%€204,145▼ 22.4%€141,226▼ 30.8%
Working capital€67,764within the sector's middle half▲ 212%€84,848within the sector's middle half▲ 25.2%€176,845above the sector's middle half▲ 108%€456,602above the sector's middle half▲ 158%€519,005above the sector's middle half▲ 13.7%
Solvency52.6%within the sector's middle half▼ 0.8pp50.4%within the sector's middle half▼ 2.2pp58.0%within the sector's middle half▲ 7.6pp75.0%within the sector's middle half▲ 17.0pp82.1%above the sector's middle half▲ 7.2pp
Current ratio1.27within the sector's middle half▲ 0.181.30within the sector's middle half▲ 0.031.67within the sector's middle half▲ 0.373.24within the sector's middle half▲ 1.564.74above the sector's middle half▲ 1.50
Return on assets (ROA)4.5%within the sector's middle half▼ 6.9pp1.8%within the sector's middle half▼ 2.7pp12.7%within the sector's middle half▲ 11.0pp30.5%above the sector's middle half▲ 17.7pp4.8%within the sector's middle half▼ 25.7pp
Staff (FTE)2.5▼ 7.4%2.4▼ 4.0%2.8▲ 16.7%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2025 Net result -85% on 2024. The accounts now follow the abbreviated schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 83% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €791,056
Fixed assets
€133,325 ▼ 14.2%
Current assets
€657,731 ▼ 0.5%
Equity and liabilities €791,056
Equity
€649,830 ▲ 6.2%
Debt
€141,226 ▼ 30.8%
Debt's share of the balance-sheet total falls from 25.0% to 17.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
5.8%▼
2024 · 40.6%
Debt ≤ 1 year
€138,726▼
2024 · €204,145
Income taxes
€24,525▼
2024 · €118,867
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €136,881 | €161,525 | €177,574 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €39,639 | €40,623 | €41,975 | €26,771 | €26,474 | ▼ 1.1% |
| Other operating charges640/8 | €977 | €1,167 | €1,297 | €11,133 | €680 | ▼ 93.9% |
| Non-recurring operating charges66A | €3,452 | €1,430 | - | - | €424 | - |
| Gross operating margin9900 | €265,164 | €269,138 | €364,840 | €406,878 | €88,710 | ▼ 78.2% |
| Operating profit (loss)9901 | €84,216 | €64,392 | €143,994 | €368,974 | €61,133 | ▼ 83.4% |
| Financial income75/76B | - | - | €673 | €1,769 | €3,462 | ▲ 95.7% |
| Recurring financial income75 | - | - | €673 | €1,769 | €3,462 | ▲ 95.7% |
| Financial charges65/66B | €44,607 | €42,308 | €33,668 | €3,377 | €2,171 | ▼ 35.7% |
| Recurring financial charges65 | €44,607 | €42,308 | €33,668 | €3,377 | €2,171 | ▼ 35.7% |
| Profit (loss) for the period before taxes9903 | €39,609 | €22,084 | €110,999 | €367,366 | €62,424 | ▼ 83.0% |
| Income taxes67/77 | €16,413 | €12,042 | €31,218 | €118,867 | €24,525 | ▼ 79.4% |
| Profit (loss) for the period9904 | €23,196 | €10,042 | €79,781 | €248,499 | €37,899 | ▼ 84.7% |
| Profit (loss) for the period to be appropriated9905 | €23,196 | €10,042 | €79,781 | €248,499 | €37,899 | ▼ 84.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €520,483 | €562,622 | €626,370 | €816,075 | €791,056 | ▼ 3.1% |
| Fixed assets21/28 | €205,845 | €198,803 | €186,586 | €155,329 | €133,325 | ▼ 14.2% |
| Tangible fixed assets22/27 | €204,945 | €197,903 | €185,686 | €154,429 | €132,425 | ▼ 14.2% |
| Land and buildings22 | €194,320 | €166,923 | €145,553 | €125,082 | €109,075 | ▼ 12.8% |
| Plant, machinery and equipment23 | €699 | €484 | €269 | €1,874 | €1,408 | ▼ 24.9% |
| Furniture and vehicles24 | €9,926 | €30,497 | €39,865 | €27,472 | €21,942 | ▼ 20.1% |
| Financial fixed assets28 | €900 | €900 | €900 | €900 | €900 | = |
| Current assets29/58 | €314,639 | €363,819 | €439,784 | €660,747 | €657,731 | ▼ 0.5% |
| Amounts receivable within one year40/41 | €80,982 | €78,926 | €97,786 | €276,764 | €130,099 | ▼ 53.0% |
| Trade receivables40 | €67,695 | €62,250 | €97,768 | €17,825 | - | - |
| Other amounts receivable41 | €13,287 | €16,676 | €18 | €258,939 | €130,099 | ▼ 49.8% |
| Cash at bank and in hand54/58 | €233,657 | €284,893 | €341,997 | €383,982 | €525,430 | ▲ 36.8% |
| Deferred charges and accrued income490/1 | - | - | - | - | €2,203 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €520,483 | €562,622 | €626,370 | €816,075 | €791,056 | ▼ 3.1% |
| Equity10/15 | €273,609 | €283,651 | €363,432 | €611,931 | €649,830 | ▲ 6.2% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €211,200 | €220,200 | €299,200 | €547,200 | €584,200 | ▲ 6.8% |
| Non-distributable reserves130/1 | €24,200 | €24,200 | €24,200 | €24,200 | €24,200 | = |
| Legal reserve130 | €24,200 | €24,200 | €24,200 | €24,200 | €24,200 | = |
| Distributable reserves133 | €187,000 | €196,000 | €275,000 | €523,000 | €560,000 | ▲ 7.1% |
| Profit (loss) carried forward14 | €409 | €1,451 | €2,232 | €2,731 | €3,630 | ▲ 32.9% |
| Amounts payable17/49 | €246,875 | €278,971 | €262,938 | €204,145 | €141,226 | ▼ 30.8% |
| Amounts payable within one year42/48 | €246,875 | €278,971 | €262,938 | €204,145 | €138,726 | ▼ 32.0% |
| Financial debts43 | €6,689 | €8,358 | - | - | - | - |
| Credit institutions430/8 | €6,689 | €8,358 | - | - | - | - |
| Trade debts44 | €33,444 | €38,322 | €25,797 | €11,413 | €8,429 | ▼ 26.1% |
| Suppliers440/4 | €33,444 | €38,322 | €25,797 | €11,413 | €8,429 | ▼ 26.1% |
| Advances received on contracts in progress46 | - | - | - | €15,000 | - | - |
| Taxes, remuneration and social security45 | €20,960 | €33,850 | €39,608 | €24,695 | €34,607 | ▲ 40.1% |
| Taxes450/3 | €9,402 | €6,215 | €21,786 | €24,695 | €34,607 | ▲ 40.1% |
| Remuneration and social security454/9 | €11,558 | €27,636 | €17,822 | - | - | - |
| Other amounts payable47/48 | €185,783 | €198,440 | €197,533 | €153,036 | €95,691 | ▼ 37.5% |
| Accrued charges and deferred income492/3 | - | - | - | - | €2,500 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €23,196 | €10,042 | €79,781 | €248,499 | €37,899 | ▼ 84.7% |
| + Depreciation and write-downs630 | €39,639 | €40,623 | €41,975 | €26,771 | €26,474 | ▼ 1.1% |
| Operating cash flow (approximation) | €62,835 | €50,665 | €121,755 | €275,270 | €64,373 | ▼ 76.6% |
| Investment in fixed assets (approximation) | - | -€33,581 | -€29,758 | €4,487 | -€4,470 | ▼ 200% |
| Change in cash | - | €51,236 | €57,104 | €41,985 | €141,448 | ▲ 237% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €248,499 ▲211%
Operating result €368,974, net result €248,499, both a record.
31-12
Financial
Equity above €500,000Eq €611,931 ▲68.4%
7 profitable years in a row build equity to €611,931.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
31-12
Financial
Weakest financial yearnet €10,042 ▼56.7%
Net result drops to €10,042, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
14-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 14 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
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, Marchin · 1 establishment unit since 1988
Ground area
3,075 m²
Building footprint
397 m²
Volume, LiDAR
3,924 m³
2 parcels, Wallonia · tallest building 13.6 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Rue de la Motte 14, 4500 Huy
since 19882.041.338.175
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61039A0868/00F000 | Wallonia | 2,295 m² | 1 · 272 m² | 13.6 m · 3 fl. |
| 61031B0709/00K000 | Wallonia | 779 m² | 1 · 125 m² | 12.8 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
254900UNXCSUTCTY1N41
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Of 853 companies in sector 66210 we hold annual accounts for 511. 344 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
Founded17-12-1988
Fiscal year end31-12
Activities, NACEBEL 2025
66210Risk and damage evaluation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0436101112
Also
9925:BE0436101112
Registered
23-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.