't Spelt
ActiveThe computed 12-month bankruptcy probability of 't Spelt is 7.7% (elevated). The 2024 annual accounts show negative equity (€-10k) and a net result of €-16k. Its solvency ranks better than 23% of 18937 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
20
/ 100
Critical▼ -23 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency33▲+29
Growth32
Stability94
Bankruptcy probability, 12 months
7.7%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.32 against 0.39 in 2023), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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 · 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 2024Solvency, return and age of the figures
Solvency
-12%
Return on assets
-19.3%
Age of the figures
20 mo
raises risk · Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2024Equity per financial year
2324
2023 to 2024 · latest year -€10k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
60 d late
2023
48 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-10k
2023 · €6k
2023: €6k
2023 → 2024
Total assets
€82k▼ 16.3%
2023 · €98k
2023: €98k
2023 → 2024
Net result
€-16k
2023 · €4k
2023: €4k
2023 → 2024
Working capital
€-40k▼ 50.1%
2023 · €-26k
2023: €-26k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€6k-€-10k
Operating result€7k-€-13k
Net result€4k-€-16k
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 2024: a loss of €13k after €7k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €82k
Fixed assets
€63k▼ 22.0%
Current assets
€19k▲ 11.7%
Key figures and ratios
EBITDA
€5k▼
2023 · €16k
Cash flow
€2k▼
2023 · €12k
Solvency
-12.0%▼
2023 · 6.2%
Current ratio
0.32▼
2023 · 0.39
Quick ratio
0.17▼
2023 · 0.18
Debt / equity
-9.35▼
2023 · 15.25
ROE
161.3%▲
2023 · 58.6%
ROA
-19.3%▼
2023 · 3.6%
Interest coverage
1.62▼
2023 · 5.74
Debt
€92k▼
2023 · €92k
Debt ≤ 1 year
€58k▲
2023 · €43k
Debt > 1 year
€34k▼
2023 · €43k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€98k€82k▼
Fixed assets21/28€81k€63k▼
Intangible fixed assets21€36k€28k▼
Tangible fixed assets22/27€45k€35k▼
Plant, machinery and equipment23€45k€35k▼
Current assets29/58€17k€19k▲
Stocks and contracts in progress3€9k€9k▼
Stocks30/36€9k€9k▼
Amounts receivable within one year40/41€4k€8k▲
Trade receivables40€3k€8k▲
Other amounts receivable41€1k€628▼
Cash at bank and in hand54/58€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€98k€82k▼
Equity10/15€6k€-10k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€4k€-12k▼
Amounts payable17/49€92k€92k▼
Amounts payable after more than one year17€43k€34k▼
Financial debts170/4€43k€34k▼
Amounts payable within one year42/48€43k€58k▲
Current portion of amounts payable after more than one year42€9k€10k▲
Trade debts44€4k€15k▲
Suppliers440/4€4k€15k▲
Taxes, remuneration and social security45€1k€992▼
Taxes450/3€1k€992▼
Other amounts payable47/48€28k€33k▲
Accrued charges and deferred income492/3€6k-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€18k▲
Other operating charges640/8€474€610▲
Gross operating margin9900€16k€6k▼
Operating profit (loss)9901€7k€-13k▼
Financial income75/76B€8€145▲
Recurring financial income75€8€145▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€5k€-16k▼
Income taxes67/77€992-
Profit (loss) for the period9904€4k€-16k▼
Profit (loss) for the period to be appropriated9905€4k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€-12k▼
Profit (loss) brought forward from the previous period14P-€4k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 48 days late
NBB filing
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, Schelle · 1 establishment unit since 2023
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.
Provinciale Steenweg 862627 SchelleGround area
1,101 m²
Building footprint
664 m²
Volume, LiDAR
5,561 m³
Parcel 11038A0209/00L000, Flanders · tallest building 13.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JUST SCOOP
since 20232.346.551.051
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11038A0209/00L000 | Flanders | 1,101 m² | 1 · 664 m² | 13.5 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 siteSchelle2.346.551.051
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Of 21,633 companies in sector 56112 we hold annual accounts for 9,658. 5,605 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-06-2023
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
10520Manufacture of food products
47210Retail sale of fruit and vegetables
47810Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.