EURO SAVING
ActiveSummary
The computed 12-month bankruptcy probability of EURO SAVING is 2.5% (moderate). The 2025 annual accounts show negative equity (€-7k) and a net result of €-1k. Equity is growing by ~21% per year across the filed fiscal years. Its solvency ranks better than 15% of 18400 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability27▼-26
Solvency0▼-6
Growth85=
Track record100
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.79 against 0.84 in 2024; short-term debt: 126% and cash: 12.7% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-26%
Return on assets
-4%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €-7k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
on the day
2024
29 d early
2023
272 d late
2022
116 d late
2021
481 d late
2020
221 d late
2019
1 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€69k▲ 31.6%
2021 · €53k
EBIT margin
11.8%▲ 4.0pp
2021 · 7.7%
Net result
€-1k
2024 · €2k
Working capital
€-7k▼ 18.4%
2024 · €-6k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€53k▲ 6.4%€69k▲ 31.6%
Operating result€4k€8k▲ 100%€6k▼ 30.0%€4k▼ 29.3%€-275
Net result€4k€4k▲ 9.2%€3k▼ 21.0%€2k▼ 40.4%€-1k
EBIT margin7.7%▲ 11.3pp11.8%▲ 4.0pp
Equity€-16k▲ 19.8%€-12k▲ 27.0%€-8k▲ 29.2%€-6k▲ 24.5%€-7k▼ 18.4%
Total assets€36k▲ 0.2%€40k▲ 10.7%€26k▼ 35.3%€34k▲ 32.4%€29k▼ 15.7%
Debt€52k▼ 7.0%€52k▼ 1.0%€34k▼ 33.9%€41k▲ 18.4%€36k▼ 10.4%
Working capital€-16k▲ 19.8%€-12k▲ 27.0%€-8k▲ 29.2%€-6k▲ 24.5%€-7k▼ 18.4%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €275 after €4k in 2024, the lowest result in the available series.
Key figures and ratios
Solvency
-26.0%▼
2024 · -18.5%
Current ratio
0.79▼
2024 · 0.84
Quick ratio
0.14▼
2024 · 0.46
Debt to equity
-4.85▲
2024 · -6.40
ROA
-4.0%▼
2024 · 6.0%
Debt ≤ 1 year
€36k▼
2024 · €41k
Income taxes
€0▼
2024 · €1k
Staff costs
€32k▲
2024 · €0
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €53k | €69k | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €48k | €56k | - | - | - | - |
| Remuneration, social security and pensions62 | - | €3k | €-416 | €0 | €32k | - |
| Other operating charges640/8 | €275 | €2k | €2k | €4k | €2k | ▼ 47.1% |
| Gross operating margin9900 | €4k | €13k | €7k | €8k | €34k | ▲ 306% |
| Operating profit (loss)9901 | €4k | €8k | €6k | €4k | €-275 | ▼ 107% |
| Financial income75/76B | €38 | - | - | - | €141 | - |
| Recurring financial income75 | €38 | - | - | - | €141 | - |
| Financial charges65/66B | €103 | €1k | €478 | €827 | €1k | ▲ 24.4% |
| Recurring financial charges65 | €103 | €1k | €478 | €827 | €1k | ▲ 24.4% |
| Profit (loss) for the period before taxes9903 | €4k | €7k | €5k | €3k | €-1k | ▼ 136% |
| Income taxes67/77 | - | €2k | €2k | €1k | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €4k | €4k | €3k | €2k | €-1k | ▼ 157% |
| Profit (loss) for the period to be appropriated9905 | €4k | €4k | €3k | €2k | €-1k | ▼ 157% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €36k | €40k | €26k | €34k | €29k | ▼ 15.7% |
| Current assets29/58 | €36k | €40k | €26k | €34k | €29k | ▼ 15.7% |
| Stocks and contracts in progress3 | €34k | €34k | €16k | €16k | €24k | ▲ 52.7% |
| Stocks30/36 | €34k | €34k | €16k | €16k | €24k | ▲ 52.7% |
| Amounts receivable within one year40/41 | - | €105 | €0 | €15k | €1k | ▼ 91.4% |
| Trade receivables40 | - | - | - | €15k | €1k | ▼ 91.4% |
| Other amounts receivable41 | - | €105 | €0 | - | - | - |
| Cash at bank and in hand54/58 | €2k | €6k | €10k | €3k | €4k | ▲ 12.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €36k | €40k | €26k | €34k | €29k | ▼ 15.7% |
| Equity10/15 | €-16k | €-12k | €-8k | €-6k | €-7k | ▼ 18.4% |
| Contributions10/11 | €12k | €12k | €12k | €12k | €12k | = |
| Capital10 | €12k | €12k | - | - | - | - |
| Issued capital100 | €19k | €19k | - | - | - | - |
| Uncalled capital101 | €6k | €6k | - | - | - | - |
| Profit (loss) carried forward14 | €-29k | €-24k | €-21k | €-19k | €-20k | ▼ 6.2% |
| Amounts payable17/49 | €52k | €52k | €34k | €41k | €36k | ▼ 10.4% |
| Amounts payable within one year42/48 | €52k | €52k | €34k | €41k | €36k | ▼ 10.4% |
| Trade debts44 | €22k | €35k | €16k | €17k | €2k | ▼ 89.6% |
| Suppliers440/4 | €22k | €35k | €16k | €17k | €2k | ▼ 89.6% |
| Taxes, remuneration and social security45 | €6k | €8k | €9k | €11k | €13k | ▲ 22.3% |
| Taxes450/3 | €3k | €8k | €9k | €7k | €11k | ▲ 72.1% |
| Remuneration and social security454/9 | €3k | €416 | €0 | €4k | €2k | ▼ 51.3% |
| Other amounts payable47/48 | €23k | €9k | €9k | €13k | €21k | ▲ 67.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4k | €4k | €3k | €2k | €-1k | ▼ 157% |
| Operating cash flow (approximation) | €4k | €4k | €3k | €2k | €-1k | ▼ 157% |
| Change in cash | - | €4k | €5k | €-7k | €409 | ▲ 106% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 272 days late
2023
24-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 116 days late
24-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 481 days late
2022
31-12
Financial
Highest result since 2019net €4k ▲9.2%
Operating result €8k, net result €4k, both a record.
09-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 221 days late
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
2020
01-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Antwerpen · 1 establishment unit since 2019
Ground area
282 m²
Building footprint
282 m²
Volume, LiDAR
1,658 m³
Parcel 11808H0560/00S006, Flanders · tallest building 15.6 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
EURO SAVING
since 20192.283.941.115
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H0560/00S006 | Flanders | 282 m² | 1 · 282 m² | 15.6 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.283.941.115
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 10,506 companies in sector 47110 we hold annual accounts for 5,848. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded18-12-2018
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47120Other non-specialised retail sale
46431Wholesale of electrical household appliances and audio-video equipment
46643Wholesale of electrical equipment, including installation materials
Scores and ratios are computed by Checked and are not a credit decision.