Equity
€5,000 ▼ 54.0%
SAVA paid out €25,349 in dividends. That is 130% of the 2025 profit.
SAVA
Overview
Lifetime
4 annual accounts with figures on one time axispeak €34,435 (2024)
€28,443▼ 17.4%
peak €24,797 (2024)
€19,481▼ 21.4%
peak €29,821 (2023)
€5,000▼ 54.0%
€26,157▼ 43.3%
Board1 name since 2022
1 directorJAUMOT Michaël
Documentsfilings and deeds
07-05-202685 days before the deadline
2025micro format
Gross margin from €34,435 to €28,443Dividend €25,349Equity from €10,868 to €5,000Debts from €46,167 to €26,157Cash from €49,184 to €21,562
Key points
from the 2025 annual accountsTurnover
≈ €56,000 estimated
The micro format states no turnover.
Debts
€26,157 84% of the balance sheet
Suppliers 1%Taxes and wages 17%Other 82%
Filings
4 annual accounts since 2022
The last four annual accounts were filed 48 to 85 days before the end of the period.
Starting capital
€5,000 100 shares
Position in the sector
€5,000
Less equity than 82% of companies in office administrative support. Sector median €53,928 · 9,708 companies.
Checked score
92
Excellent
Financially stronger than 43% of micro companies in office administrative support (NACE 82)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 12,672 companies (NACE 82, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.3%▲ +0.1 percentage points vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025
08-2025: 0.3%● unchanged vs 07-2025highest value
09-2025: 0.3%● unchanged vs 08-2025highest value
10-2025: 0.3%● unchanged vs 09-2025highest value
11-2025: 0.3%● unchanged vs 10-2025highest value
12-2025: 0.3%● unchanged vs 11-2025highest value
01-2026: 0.1%▼ -0.2 percentage points vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026lowest value
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Sector: Office administrative, office support and other business support activities (NACE 82)
Liquidity: current ratio 1.05, cash €21,562, halved
Size: total assets €31,157
Figures for financial year 2025 (filed on 07-05-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro). It does better than 25% of them on solvency, 47% on liquidity, 87% on profitability and 12% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 7,976 companies had the same profile as SAVA has now. Each dot stands for 20 companies, two years later.
94.3%
were still trading
1.8%
stopped another way
3.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SAVA itself is lower: 0.1% within 12 months. It rests on far more data about SAVA than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,976 companies, not a prediction for SAVA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 9696 sector peers (2025).
NBB · sector comparisonPosition among 9696 sector peers
Solvency
better than 24%
← weakest
strongest →
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 07-05-2026, 85 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
85 days early
2024
72 days early
2023
61 days early
2022
48 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 67 days before the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 May (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0785567366
Registered office moved from Carnières to Anderlues
New registered office: rue des Bruyères 48 boîte 2-6150 Anderlues · Previous registered office: Cité Bougard, 17-7141 Carnières · General meeting of 16-11-2023 · Gazette deed
Incorporation
Founding capital of €5,000, 100 shares · Founder: JAUMOT Michaël · Appointment: JAUMOT Michaël (director) · published on 03-05-2022 · Gazette deed
First establishment
Rue des Bruyères 48, Anderlues
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SAVA Anderlues | €31,157 | €28,443 | 16.0% | - |
| Fisc-Atli Braives | €34,218 | €30,466 | 1.5% | - |
| Ananta Boortmeerbeek | €34,318 | €24,164 | 30.9% | - |
| NP 44 Pajottegem | €36,938 | €25,822 | 36.5% | - |
| FULLRISING Braine-le-Comte | €24,732 | €25,500 | -49.6% | - |
| ANDENNE CONSULT Andenne | €29,759 | €24,388 | 18.3% | - |
| VAN GARSSE DC Tongeren-Borgloon | €29,491 | €23,097 | -378.2% | - |
These companies have the same main activity as SAVA: office administrative and support services (NACE 82100). They are comparable in size and age: total assets between €24,700 and €36,900, founded between 2021 and 2023.
Official details
Source: KBO- Status
- Active since 29-04-2022Normal situation
- Activity
- Office administrative and support servicesNACE 82100
- Establishment unit
- 2.331.254.7456150 Anderlues, since 29-04-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 23-10-2025
Annual accounts 2025
- €28,443▼ 17.4%
- €19,481▼ 21.4%
- €5,000▼ 54.0%
- €31,157▼ 45.4%
- Filing
- Filed on 07-05-2026, 85 days before the end of the filing period
Insights on SAVA
SAVA files the micro format. That format states no turnover. The gross margin rose from €11,368 in 2022 to €28,443 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 07-05-2026, 85 days before the deadline€28,443
▼ 17.4%
€24,993
▼ 21.0%
€19,481
▼ 21.4%
€1,312
▼ 76.2%
16.0%
▼ 3.0 percentage points
1.05
▼ 0.07
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €56,000. Estimated: probably between €45,000 and €85,000.
Balance sheet
balance sheet total €31,157 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
16.0%
Higher than 24% of 9,696 companies in 2025.
1.05
Higher than 29% of 9,314 companies in 2025.
62.5%
Higher than 94% of 9,438 companies in 2025.
SAVA
Middle half of the sector
80% of the sector
Micro accounts in office administrative support (NACE 82)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
31,157 | 57,035 | 32,610 | 15,656 | |
21/28 |
3,688 | 5,347 | 6,056 | 722 | |
22/27 |
3,688 | 5,347 | 6,056 | 722 | |
24 |
3,688 | 5,347 | 6,056 | 722 | |
29/58 |
27,469 | 51,687 | 26,554 | 14,935 | |
40/41 |
5,907 | 2,503 | 1,452 | 1,095 | |
40 |
3,200 | 1,997 | 1,452 | 605 | |
41 |
2,707 | 507 | 0 | 490 | |
54/58 |
21,562 | 49,184 | 25,102 | 13,840 | |
| Balance sheet: equity and liabilities | |||||
10/49 |
31,157 | 57,035 | 32,610 | 15,656 | |
10/15 |
5,000 | 10,868 | 29,821 | 13,933 | |
10/11 |
5,000 | 5,000 | 5,000 | 5,000 | |
14 |
0 | 5,868 | 24,821 | 8,933 | |
17/49 |
26,157 | 46,167 | 2,788 | 1,723 | |
42/48 |
26,157 | 46,167 | 2,788 | 1,723 | |
44 |
138 | 139 | 367 | 995 | |
440/4 |
138 | 139 | 367 | 995 | |
46 |
- | - | 0 | - | |
45 |
4,472 | 10,468 | 1,862 | 673 | |
450/3 |
4,472 | 10,468 | 1,862 | 673 | |
47/48 |
21,547 | 35,560 | 560 | 55 | |
| Income statement | |||||
76A |
51 | - | - | - | |
9900 |
28,443 | 34,435 | 23,359 | 11,368 | |
630 |
3,051 | 2,809 | 1,912 | 174 | |
640/8 |
400 | - | - | - | |
9901 |
24,993 | 31,626 | 21,447 | 11,194 | |
75/76B |
- | 0 | - | - | |
75 |
- | 0 | - | - | |
65/66B |
131 | 136 | 60 | - | |
65 |
131 | 136 | 60 | - | |
9903 |
24,862 | 31,490 | 21,387 | 11,194 | |
67/77 |
5,380 | 6,693 | 4,699 | 2,260 | |
9904 |
19,481 | 24,797 | 16,688 | 8,933 | |
9905 |
19,481 | 24,797 | 16,688 | 8,933 | |
| Appropriation of the result | |||||
9906 |
25,349 | 49,618 | 25,621 | 8,933 | |
14P |
5,868 | 24,821 | 8,933 | - | |
694/7 |
25,349 | 43,750 | 800 | - | |
694 |
25,349 | 43,750 | 800 | - | |
| Document | |||||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 07-05-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| 28,043 | 34,435 | 23,359 | 11,368 | ||
| 22,532 | 27,605 | 18,600 | 9,108 | ||
| 1,391 | 2,100 | 7,247 | 896 | ||
| -27,621 | 24,082 | 11,262 | - | ||
| 1,312 | 5,520 | 23,765 | 13,212 | ||
| 16.0% | 19.1% | 91.4% | 89.0% | ||
| 1.05 | 1.12 | 9.52 | 8.67 | ||
| 5.23 | 4.25 | 0.09 | 0.12 | ||
| 389.6% | 228.2% | 56.0% | 64.1% | ||
| 62.5% | 43.5% | 51.2% | 57.1% | ||
| over 100 | over 100 | over 100 | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Tangible fixed assets | €1,391 | €2,100 | €7,247 | €896 |
| €3,051 | €2,809 | €1,912 | €174 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on SAVA
The operating result for 2025 is 21% lower than in 2024.
Debt's share of the balance-sheet total rises from 80.9% to 84.0%. Equity and debt are lower.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 29-04-2022
term without a fixed end
listed in the 2025 annual accounts, filed on 07-05-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Article 11. Pouvoirs de l’organe d’administration S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est…”deed of 03-05-2022
Mandates through the years
1 name, the dashed line is todayJAUMOT Michaël
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- JAUMOT Michaël
- Director (not named in the articles), from 25-04-2022 to date
Control
Capital
- Contribution
- €5,000
- Shares
- 100
- Contribution per share
- €50
- Equity per share
- €50 in 2025
- Source
- deed of 03-05-2022
Articles of association
deed of 03-05-2022 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié à charge cédant et moitié à charge acquéreurs proportionnellement au nombre d’actions acquises, nullité à défaut d’agrément”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Friday of June
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 03-05-2022 ↗
- JAUMOT Michaël 100 shares (100%) · €5,000 in cash
Network & group
No group
SAVA has no parent and no holdings in its annual accounts. JAUMOT Michaël is the only director. SAVA shares no director with another company.
Timeline
Timeline
9 events since 2022Filings
Financial
Establishments
Address
20222023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed PDFmicro format · 85 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0785567366
Annual accounts 2024 filed PDFmicro format · 72 days before the deadline
2024
Highest result from 2022 to 2025 net €24,797 ▲48.6% The operating result of €31,626 and the net result of €24,797 are both a record.
Annual accounts 2023 filed PDFmicro format · 61 days before the deadline
2023
Registered office moved from Carnières to AnderluesNew registered office: rue des Bruyères 48 boîte 2-6150 Anderlues · Previous registered office: Cité Bougard, 17-7141 Carnières · General meeting of 16-11-20232 points ▸
- General meeting, 16-11-2023
- Registered-office move, rue des Bruyères 48 boîte 2-6150 Anderlues
Annual accounts 2022 filed PDFmicro format · 48 days before the deadline
2022
IncorporationFounding capital of €5,000, 100 shares · Founder: JAUMOT Michaël · Appointment: JAUMOT Michaël (director) · published on 03-05-20226 points ▸
- Founder, JAUMOT Michaël
- Founding capital, €5,000, 100 shares
- 100 shares
- Registered office clause, 7141 Morlanwelz (Carnières) Cité Bougard n°17
- Board rule, 1
- Director appointment, JAUMOT Michaël (director (not named in the articles))
- The deed holds 10 more points.
First establishment Rue des Bruyères 48, Anderlues
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0785.567.366
- VAT number
- BE 0785.567.366
- Peppol ID
- 0208:0785567366
- Other Peppol ID
- 9925:BE0785567366
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 29-04-2022
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Friday of Junedeed of 03-05-2022 (in French)
- Peppol
- Reachable since 23-10-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- SAVA in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 03-05-2022 (in French)
Activities
NACEBEL 202582100
Office administrative and support services main activity
Codes under NACEBEL 2008
82110
Office administrative, office support and other business support activities main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Sous-traitance,conseil,expertise,vérification,assistance et services destinées aux entreprises et ou aux privés en matière juridique; Toutes…”deed of 03-05-2022 (in French)
7 activities
- Sous-traitance,conseil,expertise,vérification,assistance et services destinées aux entreprises et ou aux privés en matière juridique.
- Toutes activités juridiques directement destinées aux entreprises et ou aux privés.
- La société peut également prendre une participation ou s’intéresser par toute autre voie dans,ou coopérer avec,d’autres sociétés ou associations.
- Elle pourra également effectuer d’autres activités didactiques ou autres,liées au droit,comme la tenue ou la participation à des cours et conférences,séminaires,colloques et cours académiques en Belgique et à l’étranger,aussi que la publication d’articles et de livres.
- Toutes activités juridiques au sens le plus large du terme.
- L’assistance juridique,les services administratifs combinés de bureau,le soutien aux entreprises principalement pour des études notariales et sociétés immobilières.
- Sont visés principalement,l’établissement et la rédaction de compromis de vente.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue des Bruyères 48 registered office 6150 Anderlues | 29-04-2022 | 2.331.254.745 |
1 former office
- Cité Bougard,17, 7141 Carnières until 16-11-2023 · deed of 27-12-2023
Buildings and parcels at the address
- Ground area
- 514 m²
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 56302D0818/00M000 | 514 m² | - | - |