Spurs Klimaat
ActiveThe computed 12-month bankruptcy probability of Spurs Klimaat is 2.0% (moderate). The 2025 annual accounts show equity of €43k and a net result of €26k. Equity is growing by ~36.5% per year across the filed fiscal years. Its solvency ranks better than 43% of 7332 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▲+9
Solvency62▼-5
Growth78=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 1.51 in 2024; short-term debt: 62.8% and cash: 35.5% of total assets), and 62.8% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
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
37.2%
Return on assets
22.8%
Age of the figures
9 mo
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 17-07-2026, 14 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
14 d early
2024
9 d early
2023
30 d late
2022
25 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€43k▼ 18.3%
2024 · €53k
2022: €13k
2023: €34k
2024: €53k
2022 → 2025
Total assets
€116k▼ 7.7%
2024 · €125k
2022: €180k
2023: €111k
2024: €125k
2022 → 2025
Net result
€26k▲ 38.9%
2024 · €19k
2022: €12k
2023: €22k
2024: €19k
2022 → 2025
Working capital
€26k▼ 29.1%
2024 · €37k
2022: €-19k
2023: €11k
2024: €37k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€13k-€34k▲ 175%€53k▲ 52.7%€43k▼ 18.3%
Operating result€16k-€29k▲ 84.9%€24k▼ 16.4%€37k▲ 49.9%
Net result€12k-€22k▲ 89.8%€19k▼ 13.3%€26k▲ 38.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 50% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€17k▲ 6.7%
Current assets
€99k▼ 9.8%
Equity and liabilities €116k
Equity
€43k▼ 18.3%
Debt
€73k=
The debt ratio rises from 58.0% to 62.8%. Equity is lower.
Key figures and ratios
EBITDA
€45k▲
2024 · €32k
Cash flow
€35k▲
2024 · €27k
Solvency
37.2%▼
2024 · 42.0%
Current ratio
1.36▼
2024 · 1.51
Quick ratio
1.36▼
2024 · 1.51
Debt / equity
1.69▲
2024 · 1.38
ROE
61.4%▲
2024 · 36.1%
ROA
22.8%▲
2024 · 15.2%
Interest coverage
16.14▼
2024 · 481.76
Debt
€73k=
2024 · €73k
Debt ≤ 1 year
€73k=
2024 · €73k
Income taxes
€8k▲
2024 · €5k
Staff costs
€90k▲
2024 · €77k
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€125k€116k▼
Fixed assets21/28€16k€17k▲
Tangible fixed assets22/27€16k€17k▲
Furniture and vehicles24€16k€17k▲
Current assets29/58€109k€99k▼
Amounts receivable within one year40/41€14k€55k▲
Trade receivables40€12k€53k▲
Other amounts receivable41€2k€2k▼
Cash at bank and in hand54/58€94k€41k▼
Deferred charges and accrued income490/1€479€3k▲
Equity and liabilities
Total equity and liabilities10/49€125k€116k▼
Equity10/15€53k€43k▼
Contributions10/11€1k€1k=
Reserves13€52k€42k▼
Distributable reserves133€52k€42k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€73k€73k=
Amounts payable within one year42/48€73k€73k=
Trade debts44€2k€8k▲
Suppliers440/4€2k€8k▲
Advances received on contracts in progress46-€20k
Taxes, remuneration and social security45€29k€28k▼
Taxes450/3€14k€16k▲
Remuneration and social security454/9€15k€11k▼
Other amounts payable47/48€42k€16k▼
Income statement
Code20242025
Remuneration, social security and pensions62€77k€90k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€419€971▲
Gross operating margin9900€110k€136k▲
Operating profit (loss)9901€24k€37k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€67€3k▲
Recurring financial charges65€67€3k▲
Profit (loss) for the period before taxes9903€24k€34k▲
Income taxes67/77€5k€8k▲
Profit (loss) for the period9904€19k€26k▲
Profit (loss) for the period to be appropriated9905€19k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€26k▲
Transfer from equity791/2-€36k
Transfer to equity691/2€18k€26k▲
To other reserves6921€18k€26k▲
Profit to be distributed694/7€833€36k▲
Return on contributions (dividend)694€833€36k▲
The notes to these accounts (5 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €26k ▲38.9%
Operating result €37k, net result €26k, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Kortrijk · 1 establishment unit since 2022
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.
Bissegemsestraat(Heu) 458501 KortrijkGround area
1.7 ha
Building footprint
4,809 m²
Parcel 34016C1083/00L000, Flanders. Linked by address, not a title deed.
1 establishment unit
Spurs Klimaat
since 20222.326.384.256
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34016C1083/00L000 | Flanders | 1.7 ha | 1 · 4,809 m² | - |
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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 1,191 EUR awarded · 1,192 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 167 EUR |
| 2023 | 1 | 585 EUR | 419 EUR |
| 2022 | 1 | 606 EUR | 606 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,038. 12,932 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-2022
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.