SPRUITJE VERSMARKT
ActiveSummary
SPRUITJE VERSMARKT has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €-442. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 67% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-1
Solvency80▲+14
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.15 against 0.8 in 2024; short-term debt: 45.3% and cash: 49.2% of total assets), and 45.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
54.7%
Return on assets
-0.7%
Age of the figures
9 mo
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
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
2 d early
2023
7 d early
2022
5 d early
2021
2 d early
2020
18 d late
2019
26 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▼ 1.3%
2024 · €34k
2018: €28k
2019: €30k
2020: €30k
2021: €33k
2022: €33k
2023: €34k
2024: €34k
2018 → 2025
Total assets
€61k▼ 25.6%
2024 · €82k
2018: €34k
2019: €72k
2020: €75k
2021: €52k
2022: €47k
2023: €80k
2024: €82k
2018 → 2025
Net result
€-442
2024 · €88
2018: €125
2019: €2k
2020: €5k
2021: €8k
2022: €337
2023: €290
2024: €88
2018 → 2025
Working capital
€4k
2024 · €-10k
2018: €13k
2019: €14k
2020: €27k
2021: €12k
2022: €10k
2023: €-24k
2024: €-10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€33k▲ 1.0%€34k▲ 0.9%€34k▲ 0.3%€33k▼ 1.3%
Operating result€13k-€3k▼ 77.8%€2k▼ 12.0%€4k▲ 53.5%€3k▼ 20.9%
Net result€8k-€337▼ 95.8%€290▼ 13.7%€88▼ 69.8%€-442
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €61k
Fixed assets
€29k ▼ 33.0%
Current assets
€32k ▼ 17.3%
Equity and liabilities €61k
Equity
€33k ▼ 1.3%
Debt
€27k ▼ 42.7%
Debt's share of the balance-sheet total falls from 58.8% to 45.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€17k▼
2024 · €18k
Cash flow
€14k▼
2024 · €14k
Current ratio
1.15▲
2024 · 0.80
Quick ratio
1.09▲
2024 · 0.77
Debt to equity
0.83▼
2024 · 1.42
ROE
-1.3%▼
2024 · 0.3%
ROA
-0.7%▼
2024 · 0.1%
Interest coverage
9.75▼
2024 · 10.81
Debt ≤ 1 year
€27k▼
2024 · €48k
Income taxes
€2k▼
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€82k€61k▼
Fixed assets21/28€43k€29k▼
Tangible fixed assets22/27€43k€29k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€36k€24k▼
Other tangible fixed assets26€2k€1k▼
Current assets29/58€38k€32k▼
Stocks and contracts in progress3€2k€2k▲
Stocks30/36€2k€2k▲
Amounts receivable within one year40/41€724-
Trade receivables40€724-
Cash at bank and in hand54/58€36k€30k▼
Equity and liabilities
Total equity and liabilities10/49€82k€61k▼
Equity10/15€34k€33k▼
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€12k€11k▼
Amounts payable17/49€48k€27k▼
Amounts payable within one year42/48€48k€27k▼
Trade debts44€10k€7k▼
Suppliers440/4€10k€7k▼
Taxes, remuneration and social security45€5k€5k▼
Taxes450/3€5k€5k▼
Other amounts payable47/48€32k€16k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€20k€19k▼
Operating profit (loss)9901€4k€3k▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€2k€1k▼
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€88€-442▼
Profit (loss) for the period to be appropriated9905€88€-442▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€11k▼
Profit (loss) brought forward from the previous period14P€12k€12k▲
The notes to these accounts (4 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-442 ▼605%
Net result drops to €-442, the lowest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €8k ▲59.4%
Operating result €13k, net result €8k, both a record.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ravels · 1 establishment unit since 2013
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.
Koning Albertstraat 1192381 RavelsGround area
850 m²
Building footprint
237 m²
Volume, LiDAR
1,754 m³
Parcel 13048A0427/00F002, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SPRUITJE VERSMARKT
since 20132.221.510.133
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13048A0427/00F002 | Flanders | 850 m² | 1 · 237 m² | 10.5 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteRavels2.221.510.133
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BE 0836.057.549
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Of 3,827 companies in sector 47210 we hold annual accounts for 966. 772 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-08-2013
Fiscal year end31-12
Activities, NACEBEL 2025
47210Retail sale of fruit and vegetables
47279Other retail sale of food
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.