SAUVIMMO
ActiveSummary
SAUVIMMO has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €652,932 and a net result of -€135,020. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 51% of 19364 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability15▼-38
Solvency58▼-6
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35,000 at 30 days only on tighter terms
Liquidity short (current ratio 0.58 against 0.81 in 2023; short-term debt: 24.4% of total assets), and 67.2% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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 2024Solvency, return and age of the figures
Solvency
32.8%
Return on assets
-6.8%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-05-2026, 294 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
294 d late
2023
114 d late
2022
22 d late
2021
30 d late
2020
2 d late
2019
8 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 76 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€135,020
2023 · €10,147
Working capital
-€202,172▼ 233%
2023 · -€60,778
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
Line20202021202220232024
Operating result€88,244▲ 102%€58,765▼ 33.4%€165,638▲ 182%€46,827▼ 71.7%-€40,022
Net result€48,406▲ 546%€1,977▼ 95.9%€139,851▲ 6,973%€10,147▼ 92.7%-€135,020
Equity€635,975▼ 1.0%€637,953▲ 0.3%€777,804▲ 21.9%€787,951▲ 1.3%€652,932▼ 17.1%
Total assets€1.9m▼ 7.2%€2.4m▲ 30.3%€2.3m▼ 4.1%€2.0m▼ 13.1%€2.0m▼ 1.0%
Debt€1.2m▼ 10.2%€1.8m▲ 46.0%€1.5m▼ 13.4%€1.2m▼ 20.3%€1.3m▲ 9.4%
Working capital-€316,636▲ 11.2%-€781,508▼ 147%-€225,092▲ 71.2%-€60,778▲ 73.0%-€202,172▼ 233%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €40,022 after €46,827 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.0m
Fixed assets
€1.7m ▼ 2.5%
Current assets
€284,142 ▲ 8.8%
Equity and liabilities €2.0m
Equity
€652,932 ▼ 17.1%
Debt
€1.3m ▲ 9.4%
Debt's share of the balance-sheet total rises from 60.9% to 67.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€23,000▼
2023 · €119,415
Cash flow
-€71,998▼
2023 · €82,736
Current ratio
0.58▼
2023 · 0.81
Debt to equity
2.05▲
2023 · 1.55
ROE
-20.7%▼
2023 · 1.3%
ROA
-6.8%▼
2023 · 0.5%
Interest coverage
0.51▼
2023 · 4.09
Debt ≤ 1 year
€486,314▲
2023 · €321,912
Debt > 1 year
€853,595▼
2023 · €903,196
Income taxes
€50,303▲
2023 · €7,500
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €77,958 | €87,907 | €79,378 | €72,588 | €63,022 | ▼ 13.2% |
| Other operating charges640/8 | - | €2,804 | €5,278 | €1,659 | €24,766 | ▲ 1,393% |
| Gross operating margin9900 | €180,703 | €149,476 | €250,294 | €121,074 | €47,765 | ▼ 60.5% |
| Operating profit (loss)9901 | €88,244 | €58,765 | €165,638 | €46,827 | -€40,022 | ▼ 185% |
| Financial income75/76B | - | €2,587 | €932 | €3 | €7 | ▲ 105% |
| Recurring financial income75 | - | €2,587 | €932 | €3 | €7 | ▲ 105% |
| Financial charges65/66B | - | €44,375 | €26,719 | €29,183 | €44,701 | ▲ 53.2% |
| Recurring financial charges65 | €25,454 | €44,375 | €26,719 | €29,183 | €44,701 | ▲ 53.2% |
| Profit (loss) for the period before taxes9903 | €62,790 | €16,977 | €139,851 | €17,647 | -€84,716 | ▼ 580% |
| Income taxes67/77 | €14,385 | €15,000 | - | €7,500 | €50,303 | ▲ 571% |
| Profit (loss) for the period9904 | €48,406 | €1,977 | €139,851 | €10,147 | -€135,020 | ▼ 1,431% |
| Profit (loss) for the period to be appropriated9905 | €48,406 | €1,977 | €139,851 | €10,147 | -€135,020 | ▼ 1,431% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.9m | €2.4m | €2.3m | €2.0m | €2.0m | ▼ 1.0% |
| Formation expenses20 | €0 | €0 | €0 | €0 | - | - |
| Fixed assets21/28 | €1.7m | €2.1m | €2.0m | €1.8m | €1.7m | ▼ 2.5% |
| Tangible fixed assets22/27 | €1.2m | €1.6m | €1.5m | €1.4m | €1.4m | ▼ 2.9% |
| Land and buildings22 | - | €1.5m | €1.5m | €1.4m | €1.4m | ▼ 3.8% |
| Plant, machinery and equipment23 | - | €10,140 | €2,271 | €1,639 | €8,428 | ▲ 414% |
| Furniture and vehicles24 | - | €24,470 | €14,618 | €2,860 | €446 | ▼ 84.4% |
| Other tangible fixed assets26 | - | €18,090 | €14,853 | €11,617 | €20,719 | ▲ 78.3% |
| Financial fixed assets28 | €494,690 | €494,690 | €494,690 | €317,771 | €315,612 | ▼ 0.7% |
| Current assets29/58 | €159,215 | €335,462 | €314,246 | €261,134 | €284,142 | ▲ 8.8% |
| Stocks and contracts in progress3 | €51,281 | €132,980 | €0 | - | - | - |
| Stocks30/36 | - | €132,980 | €0 | - | - | - |
| Amounts receivable within one year40/41 | €79,365 | €177,750 | €312,496 | €260,269 | €284,142 | ▲ 9.2% |
| Trade receivables40 | - | €106,322 | €289,350 | €236,385 | €241,608 | ▲ 2.2% |
| Other amounts receivable41 | - | €71,428 | €23,146 | €23,884 | €42,534 | ▲ 78.1% |
| Cash at bank and in hand54/58 | €28,569 | €24,731 | €1,749 | €865 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.9m | €2.4m | €2.3m | €2.0m | €2.0m | ▼ 1.0% |
| Equity10/15 | €635,975 | €637,953 | €777,804 | €787,951 | €652,932 | ▼ 17.1% |
| Contributions10/11 | €168,592 | €168,592 | €168,592 | €168,592 | €168,592 | = |
| Capital10 | - | €168,592 | €168,592 | €168,592 | €168,592 | = |
| Issued capital100 | - | €168,592 | €168,592 | €168,592 | €168,592 | = |
| Revaluation surpluses12 | - | €358,228 | €358,228 | €358,228 | €358,228 | = |
| Reserves13 | €16,859 | €16,859 | €16,859 | €16,859 | €16,859 | = |
| Non-distributable reserves130/1 | - | €16,859 | €16,859 | €16,859 | €16,859 | = |
| Legal reserve130 | - | €16,859 | €16,859 | €16,859 | €16,859 | = |
| Profit (loss) carried forward14 | €92,296 | €94,273 | €234,125 | €244,272 | €109,252 | ▼ 55.3% |
| Amounts payable17/49 | €1.2m | €1.8m | €1.5m | €1.2m | €1.3m | ▲ 9.4% |
| Amounts payable after more than one year17 | €741,194 | €659,890 | €998,536 | €903,196 | €853,595 | ▼ 5.5% |
| Financial debts170/4 | - | €641,002 | €973,848 | €572,679 | €556,591 | ▼ 2.8% |
| Other amounts payable178/9 | - | €18,888 | €24,688 | €330,517 | €297,004 | ▼ 10.1% |
| Amounts payable within one year42/48 | €475,851 | €1.1m | €539,337 | €321,912 | €486,314 | ▲ 51.1% |
| Current portion of amounts payable after more than one year42 | - | €584,254 | €111,683 | €107,370 | €102,797 | ▼ 4.3% |
| Financial debts43 | - | €86,000 | €0 | - | €5,251 | - |
| Credit institutions430/8 | - | €86,000 | €0 | - | €5,251 | - |
| Trade debts44 | €43,609 | €39,065 | €61,181 | €76,614 | €23,044 | ▼ 69.9% |
| Suppliers440/4 | - | €39,065 | €61,181 | €76,614 | €23,044 | ▼ 69.9% |
| Taxes, remuneration and social security45 | - | €0 | €0 | €7,500 | €18,683 | ▲ 149% |
| Taxes450/3 | - | €0 | €0 | €7,500 | €18,683 | ▲ 149% |
| Other amounts payable47/48 | - | €407,651 | €366,474 | €130,428 | €336,539 | ▲ 158% |
| Accrued charges and deferred income492/3 | - | - | €0 | - | €160 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €48,406 | €1,977 | €139,851 | €10,147 | -€135,020 | ▼ 1,431% |
| + Depreciation and write-downs630 | €77,958 | €87,907 | €79,378 | €72,588 | €63,022 | ▼ 13.2% |
| Operating cash flow (approximation) | €126,364 | €89,884 | €219,230 | €82,736 | -€71,998 | ▼ 187% |
| Investment in fixed assets (approximation) | - | -€473,453 | -€1,460 | €176,919 | -€19,956 | ▼ 111% |
| Change in cash | - | -€3,837 | -€22,982 | -€884 | - | - |
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
2026
21-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 294 days late
2024
31-12
Financial
Weakest financial yearnet -€135,020
Net result drops to -€135,020, the lowest in the series.
22-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 114 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Highest result since 2018net €139,851 ▲6,973%
Operating result €165,638, net result €139,851, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 58 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
2016
16-12
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 138 days late
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.
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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, Watermaal-Bosvoorde · 1 establishment unit since 2000
Ground area
1.6 ha
Building footprint
715 m²
Volume, LiDAR
16,377 m³
2 parcels, Brussels, Flanders · tallest building 40.7 m, ±12 floors. Linked by address, not a title deed.
321
companies at this address
See who is registered here
1 establishment unit
Schildknaaplaan 43, 1640 Sint-Genesius-Rode
since 20002.083.322.250
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21017D0214/00F000 | Brussels | 1.4 ha | 1 · 398 m² | 40.7 m · 12 fl. |
| 22552G0002/00N023 | Flanders | 1,739 m² | 1 · 317 m² | 9.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 7,326 companies in sector 68110 we hold annual accounts for 5,384. 3,545 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded03-09-1997
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
68310Real estate agency activities
Scores and ratios are computed by Checked and are not a credit decision.