SAVA-SÛR
ActiveSAVA-SÛR has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €211k and a net result of €-28k. Equity is growing by ~25.7% per year across the filed fiscal years. Its solvency ranks better than 44% of 19344 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
2
/ 100
Critical▼ -77 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-42
Solvency24▼-14
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.23 against 1.03 in 2023), and 76.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Sector 68
lower
← 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
23.9%
Return on assets
-3.2%
Age of the figures
20 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 31-10-2025, 92 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
92 d late
2023
30 d late
2022
28 d late
2021
59 d late
2020
131 d early
2019
100 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€211k▼ 11.7%
2023 · €239k
2018: €-61k
2019: €-60k
2020: €-58k
2021: €219k
2022: €219k
2023: €239k
2018 → 2024
Total assets
€885k▼ 6.6%
2023 · €948k
2018: €905k
2019: €873k
2020: €860k
2021: €964k
2022: €940k
2023: €948k
2018 → 2024
Net result
€-28k
2023 · €20k
2018: €7k
2019: €904
2020: €2k
2021: €-48k
2022: €19k
2023: €20k
2018 → 2024
Working capital
€-44k
2023 · €2k
2018: €-179k
2019: €-279k
2020: €-304k
2021: €-22k
2022: €-20k
2023: €2k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-58k-€219k€219k=€239k▲ 9.2%€211k▼ 11.7%
Operating result€28k-€-25k€45k€46k▲ 1.8%€-3k
Net result€2k-€-48k€19k€20k▲ 8.4%€-28k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €3k after €46k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €885k
Fixed assets
€872k▼ 1.1%
Current assets
€13k▼ 80.5%
Equity and liabilities €885k
Equity
€211k▼ 11.7%
Debt
€674k▼ 4.9%
The debt ratio rises from 74.8% to 76.1%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€37k▼
2023 · €82k
Cash flow
€12k▼
2023 · €56k
Solvency
23.9%▼
2023 · 25.2%
Current ratio
0.23▼
2023 · 1.03
Quick ratio
0.23▼
2023 · 1.03
Debt / equity
3.19▲
2023 · 2.96
ROE
-13.2%▼
2023 · 8.4%
ROA
-3.2%▼
2023 · 2.1%
Interest coverage
1.49▼
2023 · 3.26
Debt
€674k▼
2023 · €709k
Debt ≤ 1 year
€57k▼
2023 · €64k
Debt > 1 year
€617k▼
2023 · €644k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€948k€885k▼
Fixed assets21/28€882k€872k▼
Tangible fixed assets22/27€881k€872k▼
Land and buildings22€795k€769k▼
Plant, machinery and equipment23€3k€847▼
Furniture and vehicles24€18k€11k▼
Other tangible fixed assets26€65k€91k▲
Financial fixed assets28€290€290=
Current assets29/58€66k€13k▼
Amounts receivable within one year40/41€32k€2k▼
Trade receivables40€13k€774▼
Other amounts receivable41€18k€1k▼
Cash at bank and in hand54/58€33k€10k▼
Deferred charges and accrued income490/1€1k€1k=
Equity and liabilities
Total equity and liabilities10/49€948k€885k▼
Equity10/15€239k€211k▼
Revaluation surpluses12€295k€276k▼
Reserves13€41k€61k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€39k€59k▲
Profit (loss) carried forward14€-97k€-125k▼
Amounts payable17/49€709k€674k▼
Amounts payable after more than one year17€644k€617k▼
Financial debts170/4€644k€617k▼
Amounts payable within one year42/48€64k€57k▼
Current portion of amounts payable after more than one year42€30k€35k▲
Trade debts44€9k€2k▼
Suppliers440/4€9k€2k▼
Taxes, remuneration and social security45€5k-
Taxes450/3€5k-
Other amounts payable47/48€20k€20k=
Income statement
Code20232024
Non-recurring operating income76A€36k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€40k▲
Other operating charges640/8€12k€13k▲
Non-recurring operating charges66A€6k-
Gross operating margin9900€100k€49k▼
Operating profit (loss)9901€46k€-3k▼
Financial charges65/66B€25k€25k▼
Recurring financial charges65€25k€25k▼
Profit (loss) for the period before taxes9903€21k€-28k▼
Income taxes67/77€500-
Profit (loss) for the period9904€20k€-28k▼
Profit (loss) for the period to be appropriated9905€20k€-28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-92k€-125k▼
Profit (loss) brought forward from the previous period14P€-112k€-97k▲
Transfer from equity791/2-€19k
Transfer to equity691/2€5k€19k▲
To other reserves6921€5k€19k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €20k ▲8.4%
Operating result €46k, net result €20k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
31-12
Financial
Weakest financial yearnet €-48k ▼2426%
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €219k
Equity rises from €-58k to €219k.
22-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 100 days late
2019
15-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 15 days late
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 18 days late
2016
19-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 19 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Anderlecht · 1 establishment unit since 2021
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.
Itterbeekse Laan 601070 AnderlechtGround area
558 m²
Building footprint
269 m²
Volume, LiDAR
1,923 m³
2 parcels, Brussels · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SAVA-SÛR
since 20212.325.331.411
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21307G0268/00N000 | Brussels | 363 m² | 1 · 153 m² | 8.8 m · 2 fl. |
| 21308H0437/00T004 | Brussels | 194 m² | 1 · 116 m² | 11.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
HEKA WONEN
BE 0682.856.343
Herentals · Eq €211k
Immo & Estate Morel
BE 0670.430.841
Gent · Eq €211k
ABEILLE INVEST
BE 0534.899.966
Sint-Agatha-Berchem · Eq €211k
STIJN MORTIER
BE 0842.674.533
Aalter · Eq €211k
ORANGE IMMO
BE 0880.817.012
Maasmechelen · Eq €211k
Of 7,288 companies in sector 68110 we hold annual accounts for 5,354. 3,834 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-1997
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
62020IT consultancy
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.