Uitvaartcentrum De Sporen
ActiveUitvaartcentrum De Sporen has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €90k and a net result of €10k. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 30% of 1046 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▼-23
Solvency34▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.85 against 1.17 in 2024; short-term debt: 25.3% and cash: 0.8% of total assets), and 90.7% 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
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
9.3%
Return on assets
1%
Age of the figures
12 mo
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
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-05-2026, 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
19 d late
2023
27 d late
2022
30 d late
2021
31 d late
2020
on the day
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€90k▲ 12.3%
2024 · €80k
2018: €64k
2019: €54k
2020: €43k
2021: €22k
2022: €50k
2023: €55k
2024: €80k
2018 → 2025
Total assets
€968k▲ 39.8%
2024 · €693k
2018: €609k
2019: €609k
2020: €565k
2021: €564k
2022: €578k
2023: €513k
2024: €693k
2018 → 2025
Net result
€10k▼ 61.5%
2024 · €26k
2018: €9k
2019: €-9k
2020: €-11k
2021: €-21k
2022: €28k
2023: €5k
2024: €26k
2018 → 2025
Working capital
€-37k
2024 · €32k
2018: €-19k
2019: €-23k
2020: €-23k
2021: €-18k
2022: €30k
2023: €4k
2024: €32k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€50k▲ 126%€55k▲ 9.0%€80k▲ 47.0%€90k▲ 12.3%
Operating result€-12k-€41k€14k▼ 66.2%€46k▲ 233%€30k▼ 34.7%
Net result€-21k-€28k€5k▼ 83.9%€26k▲ 471%€10k▼ 61.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €968k
Fixed assets
€760k▲ 60.8%
Current assets
€208k▼ 5.5%
Equity and liabilities €968k
Equity
€90k▲ 12.3%
Debt
€878k▲ 43.4%
The debt ratio rises from 88.4% to 90.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€74k▼
2024 · €93k
Cash flow
€54k▼
2024 · €72k
Solvency
9.3%▼
2024 · 11.6%
Current ratio
0.85▼
2024 · 1.17
Quick ratio
0.63▼
2024 · 0.86
Debt / equity
9.72▲
2024 · 7.61
ROE
11.0%▼
2024 · 32.0%
ROA
1.0%▼
2024 · 3.7%
Interest coverage
3.64▼
2024 · 10.44
Debt
€878k▲
2024 · €612k
Debt ≤ 1 year
€245k▲
2024 · €188k
Debt > 1 year
€630k▲
2024 · €421k
Income taxes
€-97▼
2024 · €12k
Staff costs
€67k▲
2024 · €30k
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€693k€968k▲
Fixed assets21/28€473k€760k▲
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€469k€757k▲
Land and buildings22€154k€140k▼
Plant, machinery and equipment23€154k€396k▲
Furniture and vehicles24€22k€12k▼
Other tangible fixed assets26€139k€208k▲
Financial fixed assets28€1k€1k=
Current assets29/58€220k€208k▼
Stocks and contracts in progress3€58k€54k▼
Stocks30/36€58k€54k▼
Amounts receivable within one year40/41€107k€146k▲
Trade receivables40€106k€139k▲
Other amounts receivable41€338€7k▲
Cash at bank and in hand54/58€55k€7k▼
Equity and liabilities
Total equity and liabilities10/49€693k€968k▲
Equity10/15€80k€90k▲
Contributions10/11€19k€19k=
Reserves13€16k€16k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€15k€15k=
Profit (loss) carried forward14€45k€55k▲
Amounts payable17/49€612k€878k▲
Amounts payable after more than one year17€421k€630k▲
Financial debts170/4€421k€630k▲
Amounts payable within one year42/48€188k€245k▲
Current portion of amounts payable after more than one year42€59k€58k▼
Financial debts43-€16k
Credit institutions430/8-€16k
Trade debts44€101k€152k▲
Suppliers440/4€101k€152k▲
Taxes, remuneration and social security45€18k€19k▲
Taxes450/3€15k€7k▼
Remuneration and social security454/9€4k€11k▲
Other amounts payable47/48€9k-
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62€30k€67k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€44k▼
Other operating charges640/8€5k€3k▼
Gross operating margin9900€128k€145k▲
Operating profit (loss)9901€46k€30k▼
Financial income75/76B€1€29▲
Recurring financial income75€1€29▲
Financial charges65/66B€9k€20k▲
Recurring financial charges65€9k€20k▲
Profit (loss) for the period before taxes9903€37k€10k▼
Income taxes67/77€12k€-97▼
Profit (loss) for the period9904€26k€10k▼
Profit (loss) for the period to be appropriated9905€26k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€45k€55k▲
Profit (loss) brought forward from the previous period14P€20k€45k▲
Social balance
Average headcount (FTE)90870.31.3▲
The notes to these accounts (20 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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
19-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 19 days late
2024
27-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
30-09
Financial
Back to profitnet €28k
Net result €28k after 3 loss-making years.
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
30-09
Financial
Weakest financial yearnet €-21k
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 25 days late
2017
30-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Lochristi · 3 establishment units since 2013
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.
Oude Veldstraat 1219080 LochristiGround area
1,755 m²
Building footprint
586 m²
Volume, LiDAR
2,353 m³
3 parcels, Flanders · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
Uitvaartcentrum De Sporen
since 20132.225.023.117
Uitvaartcentrum De Sporen
since 20142.225.746.459
Uitvaartcentrum De Sporen
since 20202.319.172.604
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44076B0386/00K000 | Flanders | 983 m² | 1 · 324 m² | 7.4 m · 1 fl. |
| 44076F0493/00N000 | Flanders | 628 m² | 1 · 111 m² | 10.6 m · 3 fl. |
| 44472B2073/00R002 | Flanders | 143 m² | 1 · 150 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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
2024 · 1 entry · 4,650 EUR awarded · 4,650 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 4,650 EUR | 4,650 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 903 companies in sector 96301 we hold annual accounts for 612. 475 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-12-2013
Fiscal year end30-09
Activities, NACEBEL
96301Funeral services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.