What does SPKL & Fils do?

SPKL & Fils is an insurance broker in Nandrin. Private Limited, started on 14 April 2022, 3 establishments.

What is the address of SPKL & Fils?

The registered office of SPKL & Fils is located at Parc de la Gotte 77, 4550 Nandrin.

Is SPKL & Fils still active?

Yes. According to the CBE (30 October 2026) SPKL & Fils is active, legal situation “Normale toestand”, started on 14 April 2022.

Is SPKL & Fils registered on Peppol?

No, SPKL & Fils is currently not registered on the Peppol network.

What is the enterprise number of SPKL & Fils?

The enterprise number of SPKL & Fils is BE0784835017.

When was SPKL & Fils founded?

SPKL & Fils was founded on 14 April 2022.

Who are the directors of SPKL & Fils?

According to the 2025 annual accounts, the directors of SPKL & Fils are: KEVIN LARUELLE.

Is SPKL & Fils a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 14 April 2022; 4 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account; 3 establishments in the CBE.

How much profit did SPKL & Fils make in 2025?

SPKL & Fils recorded a loss after taxes of € 13,241 in financial year 2025.

What is the revenue of SPKL & Fils?

As a small company, SPKL & Fils is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 23,782.

SPKL & Fils (Private Limited) - Nandrin - BE0784835017

Dossier SPKL & Fils, printed on 30 October 2026 from databakkes.be/en/0784835017/spkl-fils. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Negative equity NBB

More debt than assets in 2 of the last 4 fiscal years.
Two loss years in a row NBB

Negative result in 2024 and 2025.
Tight liquidity NBB

Cash and receivables cover 0 % of short-term debt in 2025; threshold 65 %.
Not on Peppol Peppol

Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.

Financials

Financial year 2025

SPKL & Fils from Nandrin, company number BE0784835017, closed financial year 2025 with a result of € -13,241 after tax. For that financial year SPKL & Fils recorded a gross margin of € 23,782 and equity of € -14,136. Compared with financial year 2024, the result moved from € -18,343 to € -13,241. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 28, 2026.

What it is worth Caution

€ -14,136

▼ € 13,241 vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Loss Caution

€ -13,241

▲ 28 % less loss than in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 94

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Caution

Loss, nothing to pay out

Reserves fell to € -15,136.

People and assets in 2025

Full-time equivalents estimate The annual accounts report no full-time equivalents. A micro company with one active director is usually run by that person; this is an assumption, not a figure from the source.

≈ 1

No payroll staff. One director, so that person most likely runs the business.

Wage cost

€ 34,942

▲ 168% vs 2024

Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.

Vehicles and equipment

€ 1,290

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt

None

No bank loans on the last day of the fiscal year.

Owed to suppliers

€ 1,300

▼ 84% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 3,461

▲ € 3,381 vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 30,976 Gross margin 2022: € 30,976 First fiscal year in the series	€ 20,729 Gross margin 2023: € 20,729 ▼ 33% vs 2022 (€ 30,976) Unfavourable step	€ -3,723 Gross margin 2024: € -3,723 ▼ € 24,452 vs 2023 (€ 20,729) Unfavourable step	€ 23,782 Gross margin 2025: € 23,782 ▲ € 27,505 vs 2024 (€ -3,723) Favourable step	▲ € 27,505
Profit after taxes	€ 23,805 Profit after taxes 2022: € 23,805 First fiscal year in the series	€ -7,340 Profit after taxes 2023: € -7,340 ▼ € 31,146 vs 2022 (€ 23,805) Unfavourable step	€ -18,343 Profit after taxes 2024: € -18,343 ▼ € 11,003 vs 2023 (€ -7,340) Unfavourable step	€ -13,241 Profit after taxes 2025: € -13,241 ▲ € 5,102 vs 2024 (€ -18,343) Favourable step	▲ € 5,102
Equity	€ 24,805 Equity 2022: € 24,805 First fiscal year in the series	€ 17,465 Equity 2023: € 17,465 ▼ 30% vs 2022 (€ 24,805) Unfavourable step	€ -895 Equity 2024: € -895 ▼ € 18,360 vs 2023 (€ 17,465) Unfavourable step	€ -14,136 Equity 2025: € -14,136 ▼ € 13,241 vs 2024 (€ -895) Unfavourable step	▼ € 13,241
Total debts	€ 10,312 Total debts 2022: € 10,312 First fiscal year in the series	€ 11,293 Total debts 2023: € 11,293 ▲ 10% vs 2022 (€ 10,312) Unfavourable step	€ 18,800 Total debts 2024: € 18,800 ▲ 66% vs 2023 (€ 11,293) Unfavourable step	€ 22,259 Total debts 2025: € 22,259 ▲ 18% vs 2024 (€ 18,800) Unfavourable step	▲ 18%
Cash	€ 17,227 Cash 2022: € 17,227 First fiscal year in the series	€ 23,220 Cash 2023: € 23,220 ▲ 35% vs 2022 (€ 17,227) Favourable step	-	€ 94 Cash 2025: € 94 First fiscal year in the series
Retained profit	€ 23,805 Retained profit 2022: € 23,805 First fiscal year in the series	€ 16,465 Retained profit 2023: € 16,465 ▼ 31% vs 2022 (€ 23,805) Unfavourable step	€ -1,895 Retained profit 2024: € -1,895 ▼ € 18,360 vs 2023 (€ 16,465) Unfavourable step	€ -15,136 Retained profit 2025: € -15,136 ▼ € 13,241 vs 2024 (€ -1,895) Unfavourable step	▼ € 13,241
Bank debt	€ 505 Bank debt 2022: € 505 First fiscal year in the series	€ 0 Bank debt 2023: € 0 ▼ 100% vs 2022 (€ 505) Favourable step	€ 1,419 Bank debt 2024: € 1,419 Unchanged (€ 0) Unfavourable step	€ 0 Bank debt 2025: € 0 ▼ 100% vs 2024 (€ 1,419) Favourable step	▼ 100%
Balance sheet total	€ 35,117 Balance sheet total 2022: € 35,117 First fiscal year in the series	€ 28,758 Balance sheet total 2023: € 28,758 ▼ 18% vs 2022 (€ 35,117) Unchanged	€ 17,905 Balance sheet total 2024: € 17,905 ▼ 38% vs 2023 (€ 28,758) Unchanged	€ 8,123 Balance sheet total 2025: € 8,123 ▼ 55% vs 2024 (€ 17,905) Unchanged	▼ 55%

Key figures of SPKL & Fils, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.

What happened to SPKL & Fils?

What happened at SPKL & Fils in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Aug 28, 2026 New annual accounts for financial year 2025: loss of € 13,241. filed late Source: NBB ↗
Apr 14, 2022 New establishment in Namur. KBO
Apr 14, 2022 New establishment in Nandrin. KBO
Apr 14, 2022 New establishment in Châtelet. KBO
Apr 14, 2022 Start of the company according to the CBE. KBO

In short

From € 23,805 profit in 2022 to € 13,241 loss in 2025.

Paid € 6,589 in corporate taxes since 2022.

Best year ever: 2022, with € 23,805 profit.

Original PDFs at the National Bank ↗

Management

KEVIN LARUELLE

SPKL & Fils

BONNY BERGER BELVEBIERE

Behind SPKL & Fils is KEVIN LARUELLE. KEVIN LARUELLE is also behind BONNY BERGER BELVEBIERE.

Directors

According to the 2025 annual accounts

KEVIN LARUELLE

Director

Also active at: BONNY BERGER BELVEBIERE

Establishments

Establishment units

Physical locations of this company

Registered office

Parc de la Gotte 77

4550 Nandrin

2.330.278.708

Chaussée de Louvain(CG) 1066

5022 Namur

Active since 14 April 2022

2.330.278.906

Rue de Taillis-pré 485 box 5

6200 Châtelet

Active since 14 April 2022

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.

All companies at this address →

Ô COURBES NATURELLES

€ 29,462 gross margin · 2025

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number: 0784.835.017
VAT number: BE 0784.835.017
Registered office: Parc de la Gotte 77, 4550 Nandrin
Names & denominations: SPKL & Fils
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 14 April 2022
Peppol: Not registered
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗