SPRUIT
ActiveSPRUIT has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €151k and a net result of €-3k. Equity is growing by ~19.1% per year across the filed fiscal years. Its solvency ranks better than 23% of 16906 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-46
Solvency27▲+3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Liquidity short (current ratio 0.76 against 0.42 in 2024), and 77% 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 16906 sector peers (2025).
NBB · sector comparisonPosition among 16906 sector peers
Solvency
better than 23%
← weakest
strongest →
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 21-05-2026, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
71 d early
2024
39 d late
2023
26 d late
2022
58 d late
2021
31 d late
2020
114 d late
2019
68 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€151k▼ 1.7%
2024 · €154k
2018: €-40k
2020: €70k
2021: €97k
2022: €111k
2023: €140k
2024: €154k
2018 → 2025
Total assets
€657k▲ 2.3%
2024 · €642k
2018: €6k
2019: €360
2020: €88k
2021: €749k
2022: €727k
2023: €686k
2024: €642k
2018 → 2025
Net result
€-3k
2024 · €14k
2018: €-5k
2019: €28k
2020: €70k
2021: €28k
2022: €14k
2023: €28k
2024: €14k
2018 → 2025
Working capital
€-10k▲ 78.0%
2024 · €-44k
2018: €5k
2020: €34k
2021: €-32k
2022: €-52k
2023: €-49k
2024: €-44k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€97k-€111k▲ 14.2%€140k▲ 25.7%€154k▲ 10.2%€151k▼ 1.7%
Operating result€47k-€32k▼ 32.3%€51k▲ 60.4%€36k▼ 29.4%€9k▼ 74.8%
Net result€28k-€14k▼ 50.1%€28k▲ 102%€14k▼ 49.0%€-3k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 75% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €657k
Fixed assets
€627k▲ 2.6%
Current assets
€30k▼ 3.6%
Equity and liabilities €657k
Equity
€151k▼ 1.7%
Debt
€506k▲ 3.6%
The debt ratio rises from 76.0% to 77.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€52k▼
2024 · €78k
Cash flow
€40k▼
2024 · €56k
Solvency
23.0%▼
2024 · 24.0%
Current ratio
0.76▲
2024 · 0.42
Quick ratio
0.76▲
2024 · 0.42
Debt / equity
3.34▲
2024 · 3.17
ROE
-1.8%▼
2024 · 9.2%
ROA
-0.4%▼
2024 · 2.2%
Interest coverage
5.99▼
2024 · 10.05
Debt
€506k▲
2024 · €488k
Debt ≤ 1 year
€40k▼
2024 · €75k
Debt > 1 year
€466k▲
2024 · €414k
Income taxes
€3k▼
2024 · €14k
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€642k€657k▲
Fixed assets21/28€611k€627k▲
Tangible fixed assets22/27€611k€627k▲
Land and buildings22€576k€552k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€33k€73k▲
Current assets29/58€31k€30k▼
Amounts receivable within one year40/41€14k€24k▲
Trade receivables40€14k€16k▲
Other amounts receivable41€28€8k▲
Cash at bank and in hand54/58€17k€6k▼
Equity and liabilities
Total equity and liabilities10/49€642k€657k▲
Equity10/15€154k€151k▼
Contributions10/11€19k€19k=
Reserves13€135k€135k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€134k€134k=
Profit (loss) carried forward14-€-3k
Amounts payable17/49€488k€506k▲
Amounts payable after more than one year17€414k€466k▲
Financial debts170/4€414k€466k▲
Amounts payable within one year42/48€75k€40k▼
Current portion of amounts payable after more than one year42€50k€14k▼
Financial debts43€8k€11k▲
Credit institutions430/8€8k€11k▲
Trade debts44€2k€158▼
Suppliers440/4€2k€158▼
Taxes, remuneration and social security45€13k€4k▼
Taxes450/3€13k€4k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€1k€11k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€43k▲
Other operating charges640/8€343€190▼
Gross operating margin9900€78k€52k▼
Operating profit (loss)9901€36k€9k▼
Financial income75/76B€0€9▲
Recurring financial income75€0€9▲
Financial charges65/66B€8k€9k▲
Recurring financial charges65€8k€9k▲
Profit (loss) for the period before taxes9903€28k€457▼
Income taxes67/77€14k€3k▼
Profit (loss) for the period9904€14k€-3k▼
Profit (loss) for the period to be appropriated9905€14k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€-3k▼
Transfer to equity691/2€14k-
To other reserves6921€14k-
The notes to these accounts (7 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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 39 days late
2024
31-12
Financial
Equity above €150kEq €154k ▲10.2%
6 profitable years in a row build equity to €154k.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
2023
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 58 days late
2022
31-12
Financial
Equity above €100kEq €111k ▲14.2%
4 profitable years in a row build equity to €111k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
22-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 114 days late
2020
31-12
Financial
Highest result since 2018net €70k ▲152%
Operating result €93k, net result €70k, both a record.
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 68 days late
2019
31-12
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
RAMAEKERS Ruben
CurrentNon-statutory director · since 11-01-2024
11-01-2024
Appointed as Non-statutory director
Location & real-estate footprint
Registered office, Heusden-Zolder · 1 establishment unit since 1998
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.
Molenveld 1013550 Heusden-ZolderGround area
2,664 m²
Building footprint
196 m²
Volume, LiDAR
920 m³
Parcel 71065F1055/00N000, Flanders · tallest building 12.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Innova Consult
since 19982.086.427.537
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71065F1055/00N000 | Flanders | 2,664 m² | 1 · 196 m² | 12.4 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.
Similar companies · same sector, comparable size
WHYZD
BE 0780.823.373
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MICO Apps
BE 0765.996.132
Etterbeek · Eq €151k
VERSTARO CONSULTING
BE 0890.751.295
Oudsbergen · Eq €151k
Haspe
BE 0819.911.207
Lommel · Eq €151k
Hugo Claesen Consultancy
BE 0633.753.656
Sint-Katelijne-Waver · Eq €151k
Of 29,880 companies in sector 62200 we hold annual accounts for 18,324. 15,268 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-04-1998
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
74142
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.