Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 48 % of short-term debt in 2026; threshold 65 %.
Financials
Financial year 2026
SPEECKAERT BRAM from Lochristi, company number BE0674841668, closed financial year 2026 with a result of € 135,390 after tax. For that financial year SPEECKAERT BRAM recorded a gross margin of € 181,873 and equity of € 23,112. Compared with financial year 2025, the result moved from € 111,902 to € 135,390. Profitable, and profit is growing. The buffer shrank hard: equity is 93 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 3, 2026.
€ 23,112
▼ 93% vs 2025
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 135,390
▲ 21% vs 2025
Profit after tax over the fiscal year.
€ 114,125
▲ 64% vs 2025
Cash and bank balances on the last day of the fiscal year.
€ 465,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2026
€ 5,988
▲ 22% vs 2025
Book value of vehicles, furniture and equipment.
Debts at end 2026
€ 74,000
▼ 17% vs 2025
€ 15,153 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 4,105
▲ 216% vs 2025
Supplier invoices still open on the last day of the fiscal year.
€ 20,250
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2023 | 2024 | 2025 | 2026 | Change 2025 → 2026 | |
|---|---|---|---|---|---|
| Gross margin | € 179,055 | € 176,149 | € 169,691 | € 181,873 | ▲ 7% |
| Profit after taxes | € 124,823 | € 119,545 | € 111,902 | € 135,390 | ▲ 21% |
| Equity | € 231,275 | € 240,820 | € 352,722 | € 23,112 | ▼ 93% |
| Total debts | € 249,029 | € 221,328 | € 91,586 | € 496,874 | ▲ € 405,288 |
| Cash | € 136,725 | € 122,755 | € 69,457 | € 114,125 | ▲ 64% |
| Land & buildings | € 322,106 | € 319,842 | € 306,665 | € 295,180 | ▼ 4% |
| Retained profit | € 211,275 | € 220,820 | € 332,722 | € 3,112 | ▼ 99% |
| Dividend | € 110,000 | € 110,000 | € 0 | € 465,000 | |
| Bank debt | € 118,145 | € 103,646 | € 88,932 | € 74,000 | ▼ 17% |
| Balance sheet total | € 480,304 | € 462,148 | € 444,308 | € 519,986 | ▲ 17% |
Key figures of SPEECKAERT BRAM, fiscal years 2023 to 2026, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2027) expected before 31 October 2027.
What happened to SPEECKAERT BRAM?
What happened at SPEECKAERT BRAM in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2026: profit of € 135,390 (▲ 21% vs 2025). Source: NBB ↗
- Bram Speeckaert became a director. NBB
- New establishment in Lochristi. KBO
- Start of the company according to the CBE. KBO
In short
From € 124,823 profit in 2023 to € 135,390 profit in 2026.
Paid € 142,591 in corporate taxes since 2023.
Best year ever: 2026, with € 135,390 profit.
Paid out € 685,000 in dividends to the owners in total.
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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 SPEECKAERT BRAM is Bram Speeckaert.
Directors
According to the 2026 annual accounts
Bram Speeckaert
Director
since 2023
Establishments
Establishment units
Physical locations of this company
Walderdonk 7
9185 Lochristi
Walderdonk 9
9185 Lochristi
Active since 26 April 2017
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Self-hosted
Hosting
COMBELL-AS, BE
Website info
Features
Security
Network
Details
- Company number
- 0674.841.668
- VAT number
- BE 0674.841.668
- Registered office
- Walderdonk 7, 9185 Lochristi
- Names & denominations
- SPEECKAERT BRAM
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 26 April 2017
- Peppol
- Active · Active since 1 Jan 2001