Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2023 and 2024.
-
Tight liquidity NBB
Cash and receivables cover 5 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
Spes et Vita from Morlanwelz, company number BE0427016863, closed financial year 2024 with a result of € -36,323 after tax. For that financial year Spes et Vita recorded a gross margin of € 28,828 and equity of € 499,781. Compared with financial year 2023, the result moved from € -31,491 to € -36,323. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on October 10, 2025.
€ 499,781
▼ 7% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -36,323
▼ 15 % more loss than in 2023
Profit after tax over the fiscal year.
€ 22,204
▼ 47% vs 2023
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 479,321.
People and assets in 2024
€ 94,594
▲ 35% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
None
No bank loans on the last day of the fiscal year.
€ 1,521
Supplier invoices still open on the last day of the fiscal year.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 19,593 | € 19,793 | € 20,584 | € 28,828 | ▲ 40% |
| Profit after taxes | € -23,238 | € -21,585 | € -31,491 | € -36,323 | ▼ € 4,832 |
| Equity | € 589,180 | € 567,595 | € 536,104 | € 499,781 | ▼ 7% |
| Total debts | € 187,097 | € 464,289 | € 464,112 | € 856,107 | ▲ 84% |
| Cash | € 10,468 | € 37,864 | € 41,847 | € 22,204 | ▼ 47% |
| Land & buildings | € 497,897 | € 480,760 | € 463,622 | € 1,009,914 | ▲ 118% |
| Retained profit | € 570,580 | € 548,995 | € 515,644 | € 479,321 | ▼ 7% |
| Balance sheet total | € 776,277 | € 1,031,884 | € 1,000,216 | € 1,355,889 | ▲ 36% |
Key figures of Spes et Vita, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to Spes et Vita?
What happened at Spes et Vita in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: loss of € 36,323. filed late Source: NBB ↗
- New establishment in Morlanwelz. KBO
- Start of the company according to the CBE. KBO
In short
From € 23,238 loss in 2021 to € 36,323 loss in 2024.
Paid € 4 in corporate taxes since 2021.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind Spes et Vita are Jacques Verbesselt and Isabelle De Brandt. Jacques Verbesselt is also behind VERBESSELT MEDICA.
Directors
According to the 2024 annual accounts
Isabelle De Brandt
Manager
Establishments
Establishment units
Physical locations of this company
Rue du Houssu(CAR) 5
7141 Morlanwelz
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0427.016.863
- VAT number
- BE 0427.016.863
- Registered office
- Rue du Houssu(CAR) 5, 7141 Morlanwelz
- Names & denominations
- Spes et Vita
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 11 July 1984
- Peppol
- Active · Active since 4 Dec 2025
- Activities · NACE
Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen