SARUVA
ActiveSARUVA has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €163k and a net result of €35k. Equity is growing by ~21.2% per year across the filed fiscal years. Its solvency ranks better than 93% of 1893 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 18.43 against 9.42 in 2024), and 5.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
94.4%
Return on assets
20.6%
Age of the figures
8 mo
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 23-03-2026, 130 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
130 d early
2024
147 d early
2023
110 d early
2022
98 d early
2021
44 d early
2020
4 d early
2019
on the day
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€163k▲ 27.0%
2024 · €128k
2018: €27k
2019: €49k
2020: €98k
2021: €86k
2022: €54k
2023: €82k
2024: €128k
2018 → 2025
Total assets
€172k▲ 21.0%
2024 · €143k
2018: €91k
2019: €105k
2020: €142k
2021: €164k
2022: €141k
2023: €154k
2024: €143k
2018 → 2025
Net result
€35k▼ 25.3%
2024 · €47k
2018: €43k
2019: €22k
2020: €44k
2021: €59k
2022: €34k
2023: €27k
2024: €47k
2018 → 2025
Working capital
€162k▲ 36.3%
2024 · €119k
2018: €15k
2019: €45k
2020: €101k
2021: €86k
2022: €27k
2023: €63k
2024: €119k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€86k-€54k▼ 37.3%€82k▲ 50.8%€128k▲ 57.2%€163k▲ 27.0%
Operating result€74k-€47k▼ 36.0%€40k▼ 15.6%€67k▲ 66.9%€49k▼ 26.4%
Net result€59k-€34k▼ 43.1%€27k▼ 18.4%€47k▲ 72.9%€35k▼ 25.3%
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 falls in 2025; 2025 is 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €172k
Fixed assets
€1k▼ 88.2%
Current assets
€171k▲ 28.8%
Equity and liabilities €172k
Equity
€163k▲ 27.0%
Debt
€10k▼ 33.1%
The debt ratio falls from 10.1% to 5.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€58k▼
2024 · €76k
Cash flow
€44k▼
2024 · €57k
Solvency
94.4%▲
2024 · 89.9%
Current ratio
18.43▲
2024 · 9.42
Quick ratio
18.43▲
2024 · 9.42
Debt / equity
0.06▼
2024 · 0.11
ROE
21.8%▼
2024 · 37.1%
ROA
20.6%▼
2024 · 33.3%
Interest coverage
1177.55▲
2024 · 426.42
Debt
€10k▼
2024 · €14k
Debt ≤ 1 year
€9k▼
2024 · €14k
Income taxes
€15k▼
2024 · €19k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€143k€172k▲
Fixed assets21/28€10k€1k▼
Tangible fixed assets22/27€10k€1k▼
Furniture and vehicles24€10k€1k▼
Current assets29/58€133k€171k▲
Amounts receivable within one year40/41€12k€22k▲
Trade receivables40€11k€22k▲
Other amounts receivable41€1k€7▼
Current investments50/53€85k€50k▼
Cash at bank and in hand54/58€31k€95k▲
Deferred charges and accrued income490/1€5k€5k▼
Equity and liabilities
Total equity and liabilities10/49€143k€172k▲
Equity10/15€128k€163k▲
Contributions10/11€19k€19k=
Reserves13€110k€144k▲
Distributable reserves133€110k€144k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€14k€10k▼
Amounts payable within one year42/48€14k€9k▼
Financial debts43-€18
Credit institutions430/8-€18
Trade debts44€0€3k▲
Suppliers440/4€0€3k▲
Taxes, remuneration and social security45€13k€4k▼
Taxes450/3€11k€4k▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€1k€2k▲
Accrued charges and deferred income492/3€300€360▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€9k▼
Other operating charges640/8€765€787▲
Gross operating margin9900€77k€59k▼
Operating profit (loss)9901€67k€49k▼
Financial income75/76B€555€2k▲
Recurring financial income75€555€2k▲
Financial charges65/66B€179€49▼
Recurring financial charges65€179€49▼
Profit (loss) for the period before taxes9903€67k€51k▼
Income taxes67/77€19k€15k▼
Profit (loss) for the period9904€47k€35k▼
Profit (loss) for the period to be appropriated9905€47k€35k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€35k▼
Transfer from equity791/2-€833
Transfer to equity691/2€47k€35k▼
To other reserves6921€47k€35k▼
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €163k ▲27%
8 profitable years in a row build equity to €163k.
06-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity times 5current ratio 9.42
Current ratio from 1.88 to 9.42; short-term debt falls from €72k to €14k.
31-12
Financial
Equity above €100kEq €128k ▲57.2%
7 profitable years in a row build equity to €128k.
12-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €59k ▲33.6%
Operating result €74k, net result €59k, both a record.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €22k ▼48.3%
Net result drops to €22k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Harelbeke · 1 establishment unit since 2017
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Vlamingenstraat 258530 HarelbekeGround area
637 m²
Building footprint
127 m²
Volume, LiDAR
738 m³
Parcel 34013A1289/00P000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SARUVA
since 20172.268.127.046
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34013A1289/00P000 | Flanders | 637 m² | 1 · 127 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,142 companies in sector 63920 we hold annual accounts for 1,516. 1,224 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-09-2017
Fiscal year end31-12
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.