SPU CONSULT

Active

Private limited companyfounded 20224 yrs activeBoonskuilstraat 18, 3910 Pelt, BelgiumKBO/BCE: BE 0780.555.832

The computed 12-month bankruptcy probability of SPU CONSULT is 1.6% (moderate). The 2025 annual accounts show equity of €45k and a net result of €11k. Equity is growing by ~31.8% per year across the filed fiscal years. Its solvency ranks better than 75% of 11165 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Watch Print / PDF

Checked score

Score 2025

93 / 100

Excellent= vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency100=

Growth52=

Stability94

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €4k at 30 days acceptable

Liquidity ample (current ratio 3.5 against 2.89 in 2024), and 26.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 46

Relative position

BE, all sectors

reference

Sector 46

higher

← fewer bankruptcies more bankruptcies →

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 01-10-2025, 30 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

30 d early

2024

20 d early

2023

28 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.

Companies Code · seven months

Position in the running window

31-03-2026 close12-09-2026 today31-10-2026 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€45k▲ 28.2%

2024 · €35k

2023: €23k 2024: €35k

2023 → 2025

Total assets

€62k▲ 21.2%

2024 · €51k

2023: €38k 2024: €51k

2023 → 2025

Net result

€11k▼ 18.9%

2024 · €13k

2023: €20k 2024: €13k

2023 → 2025

Working capital

€42k▲ 39.9%

2024 · €30k

2023: €17k 2024: €30k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€23k-€35k▲ 54.7%€45k▲ 28.2%

Operating result€29k-€20k▼ 28.6%€18k▼ 10.6%

Net result€20k-€13k▼ 33.1%€11k▼ 18.9%

Turnover and EBIT margin not published: the 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 11% below 2024 and is the lowest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €62k

94.9%

Fixed assets €3k▼ 36.0%

Current assets €59k▲ 28.0%

Equity and liabilities €62k

73.1%

26.9%

Equity €45k▲ 28.2%

Debt €17k▲ 5.6%

The debt ratio falls from 30.9% to 26.9%: equity grows faster than debt.

Key figures and ratios

2025 value · change against 2024

EBITDA

€20k▼

2024 · €22k

Cash flow

€13k▼

2024 · €15k

Solvency

73.1%▲

2024 · 69.1%

Current ratio

3.50▲

2024 · 2.89

Quick ratio

3.50▲

2024 · 2.89

Debt / equity

0.37▼

2024 · 0.45

ROE

23.8%▼

2024 · 37.6%

ROA

17.4%▼

2024 · 26.0%

Interest coverage

13.08▼

2024 · 14.44

Debt

€17k▲

2024 · €16k

Debt ≤ 1 year

€17k▲

2024 · €16k

Income taxes

€6k▲

2024 · €6k

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€51k€62k▲

Formation expenses20€603€387▼

Fixed assets21/28€5k€3k▼

Tangible fixed assets22/27€5k€3k▼

Furniture and vehicles24€5k€3k▼

Current assets29/58€46k€59k▲

Amounts receivable within one year40/41€10k€13k▲

Trade receivables40€10k€12k▲

Other amounts receivable41€14€1k▲

Current investments50/53-€10k

Cash at bank and in hand54/58€35k€35k▼

Deferred charges and accrued income490/1€593€813▲

Equity and liabilities

Total equity and liabilities10/49€51k€62k▲

Equity10/15€35k€45k▲

Contributions10/11€3k€3k=

Reserves13€32k€42k▲

Distributable reserves133€32k€42k▲

Profit (loss) carried forward14€0€0=

Amounts payable17/49€16k€17k▲

Amounts payable within one year42/48€16k€17k▲

Financial debts43€22€910▲

Credit institutions430/8€22€910▲

Trade debts44€2k€2k▼

Suppliers440/4€2k€2k▼

Taxes, remuneration and social security45€12k€14k▲

Taxes450/3€12k€14k▲

Other amounts payable47/48€1k€583▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲

Other operating charges640/8€482€514▲

Non-recurring operating charges66A-€718

Gross operating margin9900€23k€22k▼

Operating profit (loss)9901€20k€18k▼

Financial income75/76B€0€90▲

Recurring financial income75€0€90▲

Financial charges65/66B€2k€2k▼

Recurring financial charges65€2k€2k▼

Profit (loss) for the period before taxes9903€19k€17k▼

Income taxes67/77€6k€6k▲

Profit (loss) for the period9904€13k€11k▼

Profit (loss) for the period to be appropriated9905€13k€11k▼

Appropriation of the result

Profit (loss) to be appropriated9906€13k€11k▼

Transfer to equity691/2€13k€10k▼

To other reserves6921€13k€10k▼

Profit to be distributed694/7€800€833▲

Return on contributions (dividend)694€800€833▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

Next filing, fiscal year 2026, expected by 31-10-2026

2025

01-10

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

31-03

Financial Weakest financial yearnet €11k ▼18.9%

Net result drops to €11k, the lowest in the series.

2024

11-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2023

03-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Pelt · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Boonskuilstraat 183910 Pelt

Ground area

566 m²

Building footprint

126 m²

Volume, LiDAR

259 m³

Parcel 72025B0299/00K002, Flanders · tallest building 9.1 m. Linked by address, not a title deed.

1 establishment unit

SPU CONSULT

Boonskuilstraat 18, 3910 PeltReal estate development

since 20222.326.420.977

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
72025B0299/00K002	Flanders	566 m²	1 · 126 m²	9.1 m

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

Heist-op-den-Berg · Eq €46k

Of 4,406 companies in sector 46180 we hold annual accounts for 1,875. 1,323 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded17-01-2022

Fiscal year end31-03

Activities, NACEBEL

46180Agents specialised in the wholesale of other particular products

68121Development of residential building projects

70200Business and other management consultancy

70210Activities of head offices; management consultancy activities

70220Business consulting

73300Public relations and communication consultancy

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.