SA-VA
ActiveSummary
SA-VA has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€57,711) and a net result of -€17,314. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 11% of 1073 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-79
Solvency0=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.14 against 0.23 in 2024; short-term debt: 183.5% and cash: 4.3% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
-104.8%
Return on assets
-31.4%
Age of the figures
12 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€57,711
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
30 d early
2023
32 d early
2022
38 d early
2021
39 d early
2020
10 d late
2019
56 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 30 March (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today30-09-2026 close30-04-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money How does this company compare with its sector?Sector benchmark
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
-€57,711▼ 42.9%
2024 · -€40,397
Total assets
€55,092▼ 8.9%
2024 · €60,485
Net result
-€17,314
2024 · €4,871
Working capital
-€86,663▼ 43.5%
2024 · -€60,372
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€7,464€18,912▲ 153%€8,585▼ 54.6%€12,367▲ 44.1%-€17,469
Net result€7,107within the sector's middle half€13,931above the sector's middle half▲ 96.0%€7,882within the sector's middle half▼ 43.4%€4,871within the sector's middle half▼ 38.2%-€17,314below the sector's middle half
Equity-€67,080below the sector's middle half▲ 9.6%-€53,150below the sector's middle half▲ 20.8%-€45,267below the sector's middle half▲ 14.8%-€40,397below the sector's middle half▲ 10.8%-€57,711below the sector's middle half▼ 42.9%
Total assets€51,170within the sector's middle half▲ 31.6%€66,866within the sector's middle half▲ 30.7%€65,021below the sector's middle half▼ 2.8%€60,485below the sector's middle half▼ 7.0%€55,092below the sector's middle half▼ 8.9%
Debt€118,250▲ 4.6%€120,016▲ 1.5%€110,288▼ 8.1%€100,881▼ 8.5%€112,803▲ 11.8%
Working capital-€76,836below the sector's middle half▲ 2.6%-€61,909below the sector's middle half▲ 19.4%-€56,081below the sector's middle half▲ 9.4%-€60,372below the sector's middle half▼ 7.7%-€86,663below the sector's middle half▼ 43.5%
Solvency-131.1%below the sector's middle half▲ 59.7pp-79.5%below the sector's middle half▲ 51.6pp-69.6%below the sector's middle half▲ 9.9pp-66.8%below the sector's middle half▲ 2.8pp-104.8%below the sector's middle half▼ 38.0pp
Current ratio0.35below the sector's middle half▲ 0.050.48within the sector's middle half▲ 0.130.32below the sector's middle half▼ 0.170.23below the sector's middle half▼ 0.090.14below the sector's middle half▼ 0.09
Return on assets (ROA)13.9%within the sector's middle half▲ 38.1pp20.8%above the sector's middle half▲ 6.9pp12.1%within the sector's middle half▼ 8.7pp8.1%within the sector's middle half▼ 4.1pp-31.4%below the sector's middle half▼ 39.5pp
Staff (FTE)2.7▼ 3.6%2▼ 25.9%2within the sector's middle half=2.3within the sector's middle half▲ 15.0%3.9within the sector's middle half▲ 69.6%
above
within
below
the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €17,469 after €12,367 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55,092
Fixed assets
€40,671 ▼ 3.8%
Current assets
€14,420 ▼ 20.7%
Key figures and ratios
EBITDA
-€13,951▼
2024 · €16,473
Cash flow
-€13,796▼
2024 · €8,977
Quick ratio
0.08▼
2024 · 0.14
Debt to equity
-1.95▲
2024 · -2.50
Interest coverage
-10.61▼
2024 · 11.21
Debt ≤ 1 year
€101,083▲
2024 · €78,559
Debt > 1 year
€10,743▼
2024 · €18,433
Income taxes
-€496▼
2024 · €6,497
Staff costs
€104,678▲
2024 · €73,712
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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €76,474 | €67,191 | €73,712 | €104,678 | ▲ 42.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,832 | €2,060 | €2,025 | €4,106 | €3,518 | ▼ 14.3% |
| Other operating charges640/8 | - | €5,993 | €2,336 | €309 | €2,813 | ▲ 809% |
| Gross operating margin9900 | €50,080 | €103,439 | €80,137 | €90,495 | €93,540 | ▲ 3.4% |
| Operating profit (loss)9901 | €7,464 | €18,912 | €8,585 | €12,367 | -€17,469 | ▼ 241% |
| Financial income75/76B | - | €325 | €658 | €471 | €974 | ▲ 107% |
| Recurring financial income75 | €117 | €325 | €658 | €471 | €974 | ▲ 107% |
| Financial charges65/66B | - | €371 | €1,360 | €1,470 | €1,315 | ▼ 10.5% |
| Recurring financial charges65 | €265 | €371 | €1,360 | €1,470 | €1,315 | ▼ 10.5% |
| Profit (loss) for the period before taxes9903 | €7,316 | €18,866 | €7,882 | €11,368 | -€17,811 | ▼ 257% |
| Income taxes67/77 | €209 | €4,935 | €0 | €6,497 | -€496 | ▼ 108% |
| Profit (loss) for the period9904 | €7,107 | €13,931 | €7,882 | €4,871 | -€17,314 | ▼ 455% |
| Profit (loss) for the period to be appropriated9905 | €7,107 | €13,931 | €7,882 | €4,871 | -€17,314 | ▼ 455% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €51,170 | €66,866 | €65,021 | €60,485 | €55,092 | ▼ 8.9% |
| Fixed assets21/28 | €9,756 | €8,759 | €38,855 | €42,297 | €40,671 | ▼ 3.8% |
| Tangible fixed assets22/27 | €9,256 | €8,259 | €7,114 | €14,195 | €12,302 | ▼ 13.3% |
| Plant, machinery and equipment23 | - | €8,259 | €7,114 | €4,762 | €3,546 | ▼ 25.5% |
| Other tangible fixed assets26 | - | - | - | €9,433 | €8,757 | ▼ 7.2% |
| Financial fixed assets28 | €500 | €500 | €31,742 | €28,102 | €28,369 | ▲ 0.9% |
| Current assets29/58 | €41,414 | €58,107 | €26,165 | €18,187 | €14,420 | ▼ 20.7% |
| Stocks and contracts in progress3 | €2,580 | €2,580 | €6,030 | €7,500 | €5,954 | ▼ 20.6% |
| Stocks30/36 | - | €2,580 | €6,030 | €7,500 | €5,954 | ▼ 20.6% |
| Amounts receivable within one year40/41 | €27,541 | €36,046 | €5,000 | €2,039 | €875 | ▼ 57.1% |
| Trade receivables40 | - | €4,295 | €5,000 | €137 | €872 | ▲ 539% |
| Other amounts receivable41 | - | €31,750 | €0 | €1,903 | €3 | ▼ 99.8% |
| Cash at bank and in hand54/58 | €10,601 | €19,482 | €9,955 | €4,702 | €2,352 | ▼ 50.0% |
| Deferred charges and accrued income490/1 | - | - | €5,180 | €3,946 | €5,239 | ▲ 32.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €51,170 | €66,866 | €65,021 | €60,485 | €55,092 | ▼ 8.9% |
| Equity10/15 | -€67,080 | -€53,150 | -€45,267 | -€40,397 | -€57,711 | ▼ 42.9% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | - | €18,600 | - | - | - | - |
| Issued capital100 | - | €18,600 | - | - | - | - |
| Reserves13 | €1,860 | €1,860 | €1,860 | €0 | - | - |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €0 | - | - |
| Legal reserve130 | - | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €1,860 | €0 | - | - |
| Profit (loss) carried forward14 | -€87,540 | -€73,610 | -€65,727 | -€58,997 | -€76,311 | ▼ 29.3% |
| Amounts payable17/49 | €118,250 | €120,016 | €110,288 | €100,881 | €112,803 | ▲ 11.8% |
| Amounts payable after more than one year17 | - | - | €26,425 | €18,433 | €10,743 | ▼ 41.7% |
| Financial debts170/4 | - | - | €26,425 | €18,433 | €10,743 | ▼ 41.7% |
| Amounts payable within one year42/48 | €118,250 | €120,016 | €82,246 | €78,559 | €101,083 | ▲ 28.7% |
| Current portion of amounts payable after more than one year42 | - | - | €7,076 | €7,389 | €7,690 | ▲ 4.1% |
| Financial debts43 | - | - | - | €1,558 | €0 | ▼ 100% |
| Credit institutions430/8 | - | - | - | €1,558 | €0 | ▼ 100% |
| Trade debts44 | €22,973 | €13,792 | €2,699 | €1,778 | €29,513 | ▲ 1,559% |
| Suppliers440/4 | - | €13,792 | €2,699 | €1,778 | €29,513 | ▲ 1,559% |
| Taxes, remuneration and social security45 | - | €46,805 | €7,505 | €10,945 | €11,536 | ▲ 5.4% |
| Taxes450/3 | - | €43,513 | €2,407 | €6,586 | €2,762 | ▼ 58.1% |
| Remuneration and social security454/9 | - | €3,292 | €5,098 | €4,359 | €8,774 | ▲ 101% |
| Other amounts payable47/48 | - | €59,419 | €64,965 | €56,888 | €52,344 | ▼ 8.0% |
| Accrued charges and deferred income492/3 | - | - | €1,618 | €3,889 | €976 | ▼ 74.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,107 | €13,931 | €7,882 | €4,871 | -€17,314 | ▼ 455% |
| + Depreciation and write-downs630 | €1,832 | €2,060 | €2,025 | €4,106 | €3,518 | ▼ 14.3% |
| Operating cash flow (approximation) | €8,938 | €15,991 | €9,907 | €8,977 | -€13,796 | ▼ 254% |
| Investment in fixed assets (approximation) | - | -€1,064 | -€32,121 | -€7,548 | -€1,892 | ▲ 74.9% |
| Change in cash | - | €8,881 | -€9,526 | -€5,253 | -€2,350 | ▲ 55.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
23-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €13,931 ▲96%
Operating result €18,912, net result €13,931, both a record.
22-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €7,107
Net result €7,107 after one loss-making year.
10-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 56 days late
2019
30-09
Financial
Back to profitnet €399
Net result €399 after one loss-making year.
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
16-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
5 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, Sint-Truiden · 1 establishment unit since 2007
Ground area
128 m²
Building footprint
124 m²
Volume, LiDAR
1,975 m³
Parcel 71053H0899/00B000, Flanders · tallest building 17.9 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Kreatos
since 20072.159.372.725
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71053H0899/00B000 | Flanders | 128 m² | 1 · 124 m² | 17.9 m · 6 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.
Structure & network
Owners and holdings
1 ownerChain of control
- Yvaine
- SA-VA
Highest known parent: Yvaine. The sources do not say who stands above it.
Owners 1
- Yvaineparent100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 2,500 EUR awarded · 2,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,000 EUR | 1,000 EUR |
| 2024 | 1 | 1,000 EUR | 1,000 EUR |
| 2023 | 1 | 500 EUR | 500 EUR |
Recognitions · licences · registrations
Dual-learning approval
3 live approvals · 5 endedHaarverzorging duaal (so)
Kapper (vwo)
Kapper-stylist duaal (so)
Show 5 ended approvals
Haarverzorging duaal (so)
Kapper (so)
Kapper (vwo)
Kapper-stylist duaal (so)
Kapper (so)
Similar companies · same sector, comparable size
FASHION HAIR
BE 0445.362.236
Kontich · FTE 3.9
KREAIEP
BE 0891.900.944
Antwerpen · FTE 3.9
ALANI
BE 0445.988.083
Sint-Lambrechts-Woluwe · FTE 4
GLOSS
BE 0475.615.744
Izegem · FTE 4
CCA INVEST
BE 0756.858.831
Rochefort · FTE 4
Of 21,732 companies in sector 96210 we hold annual accounts for 2,835. 231 are within a factor 10 of this headcount. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded17-01-2007
Fiscal year end30-09
Activities, NACEBEL 2025
96210Hairdressing and barber services
47750Retail sale of cosmetics and toilet articles
47784Retail sale of souvenirs and religious articles
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0886483097
Also
9925:BE0886483097
Registered
22-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.