SAVARI INVEST
ActiveSAVARI INVEST has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €375k and a net result of €84k. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 40% of 7452 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+72
Solvency59▼-2
Growth52▲+17
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 1.5 against 1.51 in 2024; short-term debt: 65.6% and cash: 25.7% of total assets), but 65.6% of the assets are financed with debt.
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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
34.4%
Return on assets
7.7%
Age of the figures
9 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
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 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
56 d early
2023
56 d early
2022
53 d early
2021
51 d early
2020
33 d early
2019
50 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€609k▼ 13.9%
2023 · €707k
2021: €2.54M
2022: €523k
2023: €707k
2021 → 2024
EBIT margin
-10.7%▼ 11.1pp
2023 · 0.5%
2021: 21.5%
2022: -6.5%
2023: 0.5%
2021 → 2024
Net result
€84k
2024 · €-66k
2018: €-10k
2019: €-19k
2020: €-51k
2021: €363k
2022: €-10k
2023: €3k
2024: €-66k
2018 → 2025
Working capital
€360k▲ 33.9%
2024 · €269k
2018: €68k
2019: €745k
2020: €1.19M
2021: €340k
2022: €334k
2023: €328k
2024: €269k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2.54M-€523k▼ 79.4%€707k▲ 35.1%€609k▼ 13.9%
Equity€364k-€354k▼ 2.8%€357k▲ 0.9%€291k▼ 18.5%€375k▲ 29.0%
Operating result€546k-€-34k€3k€-65k€85k
Net result€363k-€-10k€3k€-66k€84k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €85k after a loss of €65k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.09M
Fixed assets
€15k▼ 30.6%
Current assets
€1.08M▲ 35.8%
Equity and liabilities €1.09M
Equity
€375k▲ 29.0%
Debt
€717k▲ 36.9%
The debt ratio rises from 64.3% to 65.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€92k▲
2024 · €-58k
Cash flow
€91k▲
2024 · €-59k
Solvency
34.4%▼
2024 · 35.7%
Current ratio
1.50▼
2024 · 1.51
Quick ratio
0.46▲
2024 · 0.34
Debt / equity
1.91▲
2024 · 1.80
ROE
22.5%▲
2024 · -22.7%
ROA
7.7%▲
2024 · -8.1%
Interest coverage
350.92▲
2024 · -363.13
Debt
€717k▲
2024 · €524k
Debt ≤ 1 year
€717k▲
2024 · €524k
Income taxes
€343▼
2024 · €937
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€815k€1.09M▲
Fixed assets21/28€22k€15k▼
Tangible fixed assets22/27€22k€15k▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€22k€15k▼
Current assets29/58€793k€1.08M▲
Stocks and contracts in progress3€613k€750k▲
Stocks30/36€613k€750k▲
Amounts receivable within one year40/41€26k€46k▲
Trade receivables40€6k€15k▲
Other amounts receivable41€20k€31k▲
Cash at bank and in hand54/58€154k€281k▲
Deferred charges and accrued income490/1€155€201▲
Equity and liabilities
Total equity and liabilities10/49€815k€1.09M▲
Equity10/15€291k€375k▲
Contributions10/11€25k€25k=
Reserves13€365k€365k=
Distributable reserves133€365k€365k=
Profit (loss) carried forward14€-99k€-15k▲
Amounts payable17/49€524k€717k▲
Amounts payable within one year42/48€524k€717k▲
Trade debts44€1k€17k▲
Suppliers440/4€1k€17k▲
Taxes, remuneration and social security45€9k€48k▲
Taxes450/3€9k€48k▲
Other amounts payable47/48€514k€653k▲
Income statement
Code20242025
Turnover70€609k-
Goods, raw materials, services and sundry goods60/61€690k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€10k€5k▼
Gross operating margin9900€-48k€97k▲
Operating profit (loss)9901€-65k€85k▲
Financial income75/76B€110€100▼
Recurring financial income75€110€100▼
Financial charges65/66B€160€261▲
Recurring financial charges65€160€261▲
Profit (loss) for the period before taxes9903€-65k€85k▲
Income taxes67/77€937€343▼
Profit (loss) for the period9904€-66k€84k▲
Profit (loss) for the period to be appropriated9905€-66k€84k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-99k€-15k▲
Profit (loss) brought forward from the previous period14P€-33k€-99k▼
The notes to these accounts (4 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €84k
Net result €84k after one loss-making year.
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-66k ▼2201%
Net result drops to €-66k, the lowest in the series; recovery starts the following year.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €363k
Net result €363k after 3 loss-making years.
31-12
Financial
Equity above €200kEq €364k ▲24357%
Equity rises from €1k to €364k.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 69 days late
2018
05-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 36 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 11 days late
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, Charleroi · 1 establishment unit since 2014
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.
Chaussée de Bruxelles 1596040 CharleroiGround area
1,560 m²
Building footprint
186 m²
Volume, LiDAR
2,083 m³
Parcel 52363D0612/00G000, Wallonia · tallest building 14.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SAVARI INVEST
since 20142.234.653.732
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52363D0612/00G000 | Wallonia | 1,560 m² | 1 · 186 m² | 14.0 m · 4 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 29,801 companies in sector 41001 we hold annual accounts for 16,050. 10,269 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-02-2014
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.