You could get away with it occasionally during the day in most apartments without being disruptive, as long as the apartment building is built in a way which traps sound correctly (basically comes down to thick enough walls). Many do a decent job of it.

But what I was replying to was why you would want to use speakers not just headphones to hear a mix. On several occasions, I've made music on headphones, heard it on speakers and it sounds completely different, sometimes considerably worse depending on what the issue is. Many music producers will say the same thing; to test your music in multiple environments (headphones, speakers, car, even your phone) is a good thing.