STRUCKMANN SPRL
ActiveSTRUCKMANN SPRL has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €622k and a net result of €-60k. Equity is growing by ~16.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 12464 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-99
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 26.39 against 18.11 in 2024), and 3.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 69
Relative position
BE, all sectors
reference
Sector 69
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
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
96.2%
Return on assets
-9.3%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
22 d late
2023
307 d late
2022
29 d late
2021
3 d early
2020
30 d late
2019
39 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€622k▼ 8.8%
2024 · €682k
2019: €231k
2020: €305k
2021: €360k
2022: €474k
2023: €546k
2024: €682k
2019 → 2025
Total assets
€646k▼ 10.4%
2024 · €721k
2019: €357k
2020: €355k
2021: €398k
2022: €489k
2023: €662k
2024: €721k
2019 → 2025
Net result
€-60k
2024 · €135k
2019: €-3k
2020: €71k
2021: €55k
2022: €114k
2023: €127k
2024: €135k
2019 → 2025
Working capital
€619k▼ 9.0%
2024 · €680k
2019: €230k
2020: €304k
2021: €359k
2022: €473k
2023: €546k
2024: €680k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€360k-€474k▲ 31.5%€546k▲ 15.3%€682k▲ 24.8%€622k▼ 8.8%
Operating result€77k-€155k▲ 102%€183k▲ 17.5%€182k▼ 0.2%€-66k
Net result€55k-€114k▲ 105%€127k▲ 12.0%€135k▲ 6.5%€-60k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €66k after €182k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €646k
Fixed assets
€3k▲ 82.7%
Current assets
€643k▼ 10.6%
Equity and liabilities €646k
Equity
€622k▼ 8.8%
Debt
€24k▼ 38.7%
The debt ratio falls from 5.5% to 3.8%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-66k▼
2024 · €183k
Cash flow
€-59k▼
2024 · €136k
Solvency
96.2%▲
2024 · 94.5%
Current ratio
26.39▲
2024 · 18.11
Quick ratio
26.39▲
2024 · 18.11
Debt / equity
0.04▼
2024 · 0.06
ROE
-9.6%▼
2024 · 19.9%
ROA
-9.3%▼
2024 · 18.8%
Interest coverage
-80.47▼
2024 · 271.35
Debt
€24k▼
2024 · €40k
Debt ≤ 1 year
€24k▼
2024 · €40k
Income taxes
€423▼
2024 · €48k
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
Total assets20/58€721k€646k▼
Fixed assets21/28€2k€3k▲
Tangible fixed assets22/27€2k€3k▲
Financial fixed assets28€100€100=
Current assets29/58€720k€643k▼
Amounts receivable within one year40/41€4k€11k▲
Investments50/53€118k€425k▲
Cash & bank54/58€595k€204k▼
Total equity & liabilities10/49€721k€646k▼
Equity10/15€682k€622k▼
Contributions / capital10/11€12k€12k=
Reserves13€587k€587k=
Accumulated profits (losses)14€82k€22k▼
Amounts payable17/49€40k€24k▼
Amounts payable within one year42/48€40k€24k▼
Trade debts payable within one year44€6k€2k▼
Income statement
Code20242025
Gross operating margin9900€183k€-65k▼
Operating result9901€182k€-66k▼
Financial income75€2k€8k▲
Financial charges65€673€816▲
Result before taxes9903€184k€-59k▼
Income taxes67/77€48k€423▼
Net result for the period9904€135k€-60k▼
Result to be appropriated9905€135k€-60k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-60k ▼144%
Net result drops to €-60k, the lowest in the series.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 307 days late
2024
31-12
Financial
Highest result since 2019net €135k ▲6.5%
Net result €135k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 18.11
Current ratio from 5.69 to 18.11; short-term debt falls from €116k to €40k.
2023
31-12
Financial
Equity above €500kEq €546k ▲15.3%
4 profitable years in a row build equity to €546k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 32.19
Current ratio from 10.51 to 32.19; short-term debt falls from €38k to €15k.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €71k
Net result €71k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 7.07
Current ratio from 2.82 to 7.07; short-term debt falls from €126k to €50k.
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 39 days late
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 136 days late
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
TITTHIBA
BE 0673.969.658
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BE 0844.767.456
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ADVOCATENKANTOOR RAF VERBRUGGEN
BE 0524.816.817
Lommel · Eq €623k
GHEYSENS
BE 0460.761.282
Wevelgem · Eq €623k
De Langhe Advocaten
BE 0474.115.610
Kruisem · Eq €620k
Of 22,000 companies in sector 69101 we hold annual accounts for 8,980. 5,381 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded06-07-2006
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 23-08-2026. Scores and ratios are computed by Checked and are not a credit decision.