SPRUYT MARIO
ActiveSPRUYT MARIO has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €66k and a net result of €45k. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 27% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
86
/ 100
Excellent▲ +64 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency47▲+27
Growth78▲+46
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.39 against 1.16 in 2024), and 74.4% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
25.6%
Return on assets
17.4%
Age of the figures
11 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 30-09-2025 was due by 30-04-2026 and was filed on 01-04-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
27 d early
2023
on the day
2022
30 d early
2021
26 d early
2020
28 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€66k▲ 212%
2024 · €21k
2018: €27k
2019: €41k
2020: €58k
2021: €84k
2022: €46k
2023: €40k
2024: €21k
2018 → 2025
Total assets
€257k▼ 0.9%
2024 · €259k
2018: €205k
2019: €189k
2020: €390k
2021: €381k
2022: €294k
2023: €275k
2024: €259k
2018 → 2025
Net result
€45k
2024 · €-19k
2018: €44k
2019: €15k
2020: €16k
2021: €26k
2022: €-37k
2023: €-7k
2024: €-19k
2018 → 2025
Working capital
€68k▲ 107%
2024 · €33k
2018: €43k
2019: €48k
2020: €128k
2021: €216k
2022: €69k
2023: €64k
2024: €33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€84k-€46k▼ 44.6%€40k▼ 14.3%€21k▼ 46.9%€66k▲ 212%
Operating result€51k-€-27k€4k€-910€56k
Net result€26k-€-37k€-7k▲ 82.3%€-19k▼ 182%€45k
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 returns to profit in 2025: €56k after a loss of €910 in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €257k
Fixed assets
€13k▼ 10.8%
Current assets
€244k▼ 0.3%
Equity and liabilities €257k
Equity
€66k▲ 212%
Debt
€191k▼ 19.7%
The debt ratio falls from 91.9% to 74.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€62k▲
2024 · €4k
Cash flow
€50k▲
2024 · €-14k
Solvency
25.6%▲
2024 · 8.1%
Current ratio
1.39▲
2024 · 1.16
Quick ratio
1.23▲
2024 · 0.95
Debt / equity
2.91▼
2024 · 11.31
ROE
68.0%▲
2024 · -88.5%
ROA
17.4%▲
2024 · -7.2%
Interest coverage
3.23▲
2024 · 0.21
Debt
€191k▼
2024 · €238k
Debt ≤ 1 year
€176k▼
2024 · €212k
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€259k€257k▼
Fixed assets21/28€14k€13k▼
Tangible fixed assets22/27€14k€13k▼
Plant, machinery and equipment23€11k€7k▼
Furniture and vehicles24€3k€5k▲
Current assets29/58€245k€244k▼
Stocks and contracts in progress3€43k€27k▼
Stocks30/36€43k€27k▼
Amounts receivable within one year40/41€52k€126k▲
Trade receivables40€32k€103k▲
Other amounts receivable41€20k€23k▲
Cash at bank and in hand54/58€54k€44k▼
Deferred charges and accrued income490/1€96k€47k▼
Equity and liabilities
Total equity and liabilities10/49€259k€257k▼
Equity10/15€21k€66k▲
Contributions10/11€19k€19k=
Reserves13€28k€28k=
Distributable reserves133€28k€28k=
Profit (loss) carried forward14€-25k€19k▲
Amounts payable17/49€238k€191k▼
Amounts payable within one year42/48€212k€176k▼
Current portion of amounts payable after more than one year42€3k€3k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€207k€170k▼
Suppliers440/4€207k€170k▼
Taxes, remuneration and social security45€1k€2k▲
Taxes450/3€1k€2k▲
Other amounts payable47/48€315€2k▲
Accrued charges and deferred income492/3€26k€15k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€804€2k▲
Gross operating margin9900€5k€63k▲
Operating profit (loss)9901€-910€56k▲
Financial income75/76B€325€7k▲
Recurring financial income75€325€7k▲
Financial charges65/66B€18k€19k▲
Recurring financial charges65€18k€19k▲
Profit (loss) for the period before taxes9903€-19k€45k▲
Profit (loss) for the period9904€-19k€45k▲
Profit (loss) for the period to be appropriated9905€-19k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-25k€19k▲
Profit (loss) brought forward from the previous period14P€-7k€-25k▼
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (13 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
01-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €45k
Net result €45k after 3 loss-making years.
03-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Weakest financial yearnet €-37k ▼243%
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
04-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
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
3 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, Tielt · 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.
Neringenstraat 508700 TieltGround area
748 m²
Building footprint
194 m²
Volume, LiDAR
870 m³
Parcel 37001B0116/00G000, Flanders · tallest building 6.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Spruyt Mario
since 20132.221.604.856
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37001B0116/00G000 | Flanders | 748 m² | 1 · 194 m² | 6.7 m · 1 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
Recognised contractor
4 categoriesSPRUYT MARIO BV35053
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Of 22,729 companies in sector 43211 we hold annual accounts for 10,274. 8,700 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-08-2013
Fiscal year end30-09
Activities, NACEBEL
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
4 entriesE-mail:mario@bvspruyt.be
E-mail:mario.spruyt@telenet.be
Phone:0495308992
Fax:093698179