'T SPIJKER

Active

Private limited company (pre-2019)founded 199926 yrs activeSchransstraat 68A, 3270 Scherpenheuvel-Zichem, BelgiumKBO/BCE: BE 0467.067.965

Summary

The computed 12-month bankruptcy probability of 'T SPIJKER is 3.1% (moderate). The 2024 annual accounts show equity of €602,529 and a net result of €214,198. Equity is shrinking by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 32% of 673 sector peers (fiscal year 2024). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

'T SPIJKERActiveChecked score 51/100

Risk analysis Report Compare

Activity

Hotels and similar accommodation

NACE 55100Hotels NACE 55101

#1 company by total assets in Scherpenheuvel-Zichem, Accommodation and food service sector1 site

Size

€6.3mtotal assets 2024

Equity: €602,529
Profit: €214,198

Turnover not published (abridged schema)

Financial health

51 Fair Checked score 2024

Bankruptcy chance 12 m: 3.1%

Structure

Parent: Management and Consulting · 100%

Accounts 64 d overdue0 of 4 deeds read

Why 51- Liquidity: current ratio 0.75, cash €1,074, halved- Figures for FY 2024 (filed 08-10-2025)- 1 financial year not filed after the legal deadline; latest accounts 68 days late; 3 of the last 3 late+ Founded in 1999Show the evidence

Checked score

Score 2024

51 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 46% of its sector peers (NACE 55, small)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2023

Weak

Solvency 35+4

equity 9.6% of total assets

Liquidity 21-1

short-term debt 57.1% · cash 0.0%

Profitability 59+2

return on assets 3.4%

Bankruptcy probability, 12 months

3.1% Moderate

0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (575 companies)

Last 24 months 11-2024: 1.3% 12-2024: 1.3%▼ -3.5% vs 11-2024lowest value 01-2025: 1.3%● 0.0% vs 12-2024lowest value 02-2025: 1.3%▲ +1.7% vs 01-2025 03-2025: 1.3%▲ +1.6% vs 02-2025 04-2025: 1.3%▼ -2.2% vs 03-2025 05-2025: 1.3%▲ +0.2% vs 04-2025 06-2025: 1.4%▲ +3.6% vs 05-2025 07-2025: 1.5%▲ +7.5% vs 06-2025 08-2025: 2.1%▲ +40.1% vs 07-2025 09-2025: 2.3%▲ +13.9% vs 08-2025 10-2025: 3.1%▲ +31.7% vs 09-2025highest value 11-2025: 1.3%▼ -57.8% vs 10-2025lowest value 12-2025: 1.3%● 0.0% vs 11-2025lowest value 01-2026: 1.3%● 0.0% vs 12-2025lowest value 02-2026: 1.3%▲ +1.7% vs 01-2026 03-2026: 1.3%▲ +1.6% vs 02-2026 04-2026: 1.3%▼ -2.2% vs 03-2026 05-2026: 1.3%▲ +0.2% vs 04-2026 06-2026: 1.4%▲ +3.0% vs 05-2026 07-2026: 1.3%▼ -3.7% vs 06-2026 08-2026: 2.1%▲ +57.6% vs 07-2026 09-2026: 2.3%▲ +13.6% vs 08-2026 10-2026: 3.1%▲ +31.7% vs 09-2026highest value

Liquidity: current ratio 0.75, cash €1,074, halved raises the probability
Figures for FY 2024 (filed 08-10-2025) raises the probability
Founded in 1999 lowers the probability for this profile
1 financial year not filed after the legal deadline; latest accounts 68 days late; 3 of the last 3 late raises the probability

Credit up to €30,000 at 30 days acceptable

Liquidity short (current ratio 0.75 against 0.68 in 2023; short-term debt: 57.1% and cash: 0% of total assets), and 90.4% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 55, small). Better than this share of them on solvency 31%, liquidity 12%, profitability 51%, growth against the median 89%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

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

−lowers risk+raises risk○neutral

Liquidity: current ratio 0.75, cash €1,074, halved

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Figures for FY 2024 (filed 08-10-2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Founded in 1999

In the bankruptcy model this factor lowers the probability for this profile.

KBO

1 financial year not filed after the legal deadline; latest accounts 68 days late; 3 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Growing equity

Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.

NBB · annual accounts 2024

Equity per financial year

18192021222324

2018 to 2024 · latest year €602,529

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-10-2025, 68 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 filings

Deviation from the deadline

2025

not confirmed

2024

68 d late

2023

64 d late

2022

305 d late

2021

191 d late

2020

90 d late

2019

122 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 140 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 45% of the sector filed late.

Checked, nothing found (1)

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

07-10-25 Annual accounts filedfiscal year 2024 · abbreviated…
31-12-24 Highest result since 2018net €214,198 ▲9%
31-12-24 Equity above €500,000Eq €602,529 ▲55.2%

Key points

Positive: Company by total assets in Scherpenheuvel-Zichem, Accommodation and…in the Checked rankings #1 View
Caution: Accounts not fileddeadline was 31-07-2026 64 d late View
Positive: Equity rose in 2024from €388,330 to €602,529 ▲ 55.2% View
Controlled by Management and Consulting 100% View