SaVa
ActiveThe computed 12-month bankruptcy probability of SaVa is 1.9% (moderate). The 2025 annual accounts show negative equity (€-87k) and a net result of €-9k. Equity is shrinking by ~74.1% per year across the filed fiscal years. Its solvency ranks better than 16% of 12762 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability53▼-47
Solvency33=
Growth32=
Stability100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.09 against 0.11 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
-38.8%
Return on assets
-4.1%
Age of the figures
8 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
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€87k
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
14 d early
2023
1 d late
2022
4 d early
2021
4 d early
2020
2 d early
2019
16 d early
← 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
09-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-87k▼ 12.0%
2024 · €-78k
2019: €25k
2020: €13k
2021: €245
2022: €-24k
2023: €-33k
2024: €-78k
2019 → 2025
Total assets
€225k▼ 20.1%
2024 · €282k
2019: €61k
2020: €448k
2021: €411k
2022: €417k
2023: €348k
2024: €282k
2019 → 2025
Net result
€-9k▲ 79.2%
2024 · €-45k
2019: €-4k
2020: €-13k
2021: €-12k
2022: €-24k
2023: €-9k
2024: €-45k
2019 → 2025
Working capital
€-260k▲ 6.2%
2024 · €-277k
2019: €32k
2020: €-19k
2021: €-29k
2022: €-348k
2023: €-286k
2024: €-277k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€245-€-24k€-33k▼ 37.8%€-78k▼ 137%€-87k▼ 12.0%
Operating result€-9k-€-21k▼ 126%€-6k▲ 74.1%€-41k▼ 643%€-5k▲ 88.1%
Net result€-12k-€-24k▼ 95.7%€-9k▲ 62.6%€-45k▼ 398%€-9k▲ 79.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €41k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €225k
Fixed assets
€199k▼ 19.8%
Current assets
€27k▼ 22.5%
Key figures and ratios
EBITDA
€48k▲
2024 · €24k
Cash flow
€44k▲
2024 · €20k
Solvency
-38.8%▼
2024 · -27.6%
Current ratio
0.09▼
2024 · 0.11
Quick ratio
0.07▲
2024 · 0.07
Debt / equity
-3.58▲
2024 · -4.62
ROE
10.7%▼
2024 · 57.7%
ROA
-4.1%▲
2024 · -16.0%
Interest coverage
12.10▲
2024 · 6.77
Debt
€313k▼
2024 · €360k
Debt ≤ 1 year
€286k▼
2024 · €311k
Debt > 1 year
€26k▼
2024 · €49k
Income taxes
€481▲
2024 · €452
Staff costs
€61k▼
2024 · €63k
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€282k€225k▼
Fixed assets21/28€248k€199k▼
Intangible fixed assets21€150k€120k▼
Tangible fixed assets22/27€98k€79k▼
Land and buildings22€27k-
Plant, machinery and equipment23€19k€17k▼
Furniture and vehicles24€35k€31k▼
Leasing and similar rights25€17k€8k▼
Other tangible fixed assets26-€23k
Current assets29/58€34k€27k▼
Stocks and contracts in progress3€13k€6k▼
Stocks30/36€13k€6k▼
Amounts receivable within one year40/41€842€1k▲
Trade receivables40€842€827▼
Other amounts receivable41-€450
Current investments50/53€4k-
Cash at bank and in hand54/58€13k€19k▲
Deferred charges and accrued income490/1€4k€1k▼
Equity and liabilities
Total equity and liabilities10/49€282k€225k▼
Equity10/15€-78k€-87k▼
Contributions10/11€19k€19k=
Reserves13€11k€11k=
Distributable reserves133€11k€11k=
Profit (loss) carried forward14€-107k€-116k▼
Amounts payable17/49€360k€313k▼
Amounts payable after more than one year17€49k€26k▼
Financial debts170/4€49k€26k▼
Amounts payable within one year42/48€311k€286k▼
Current portion of amounts payable after more than one year42€24k€22k▼
Financial debts43€266-
Credit institutions430/8€266-
Trade debts44€28k€21k▼
Suppliers440/4€28k€21k▼
Taxes, remuneration and social security45€14k€12k▼
Taxes450/3€6k€3k▼
Remuneration and social security454/9€8k€9k▲
Other amounts payable47/48€245k€232k▼
Income statement
Code20242025
Remuneration, social security and pensions62€63k€61k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65k€53k▼
Other operating charges640/8€7k€5k▼
Gross operating margin9900€93k€115k▲
Operating profit (loss)9901€-41k€-5k▲
Financial income75/76B€90€33▼
Recurring financial income75€90€33▼
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€-45k€-9k▲
Income taxes67/77€452€481▲
Profit (loss) for the period9904€-45k€-9k▲
Profit (loss) for the period to be appropriated9905€-45k€-9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-107k€-116k▼
Profit (loss) brought forward from the previous period14P€-62k€-107k▼
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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-45k
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
16-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-01
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 4 acts read
About the unread acts
We know of 4 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
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Directors · office · real estate
Directors
4 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, Genk · 1 establishment unit since 2005
Ground area
206 m²
Building footprint
98 m²
Volume, LiDAR
896 m³
Parcel 71307H0315/00F002, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
De Griek o Geros 2
since 20052.146.325.532
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71307H0315/00F002 | Flanders | 206 m² | 1 · 98 m² | 10.8 m · 3 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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EBENISSIMO
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RESTAURANT JER
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Alphonsius
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Of 20,229 companies in sector 56111 we hold annual accounts for 11,302. 462 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-03-2005
Fiscal year end31-12
Activities, NACEBEL
55301
55302
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.