SAVC
ActiveSAVC has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €164k and a net result of €63k. Equity is growing by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 60% of 1294 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+8
Solvency80▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 1.73 against 1.53 in 2024; short-term debt: 43.3% and cash: 62.1% of total assets), and 44.9% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 33
Relative position
BE, all sectors
reference
Sector 33
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
55.1%
Return on assets
21.1%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-01-2026, 26 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
26 d early
2024
46 d early
2023
2 d early
2022
43 d early
2021
on the day
2020
25 d late
2019
49 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€164k▼ 5.3%
2024 · €173k
2019: €64k
2020: €114k
2021: €177k
2022: €178k
2023: €213k
2024: €173k
2019 → 2025
Total assets
€298k▼ 4.4%
2024 · €311k
2019: €274k
2020: €348k
2021: €347k
2022: €347k
2023: €336k
2024: €311k
2019 → 2025
Net result
€63k▲ 38.3%
2024 · €45k
2019: €27k
2020: €50k
2021: €57k
2022: €86k
2023: €35k
2024: €45k
2019 → 2025
Working capital
€95k▲ 41.1%
2024 · €67k
2019: €-113k
2020: €-67k
2021: €-14k
2022: €12k
2023: €59k
2024: €67k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€177k-€178k▲ 0.7%€213k▲ 19.6%€173k▼ 18.6%€164k▼ 5.3%
Operating result€78k-€110k▲ 41.4%€48k▼ 56.4%€59k▲ 23.6%€78k▲ 31.8%
Net result€57k-€86k▲ 52.6%€35k▼ 59.6%€45k▲ 30.4%€63k▲ 38.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 32% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €298k
Fixed assets
€74k▼ 36.6%
Current assets
€224k▲ 15.0%
Equity and liabilities €298k
Equity
€164k▼ 5.3%
Debt
€134k▼ 3.2%
The debt ratio rises from 44.4% to 44.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€128k▲
2024 · €110k
Cash flow
€113k▲
2024 · €96k
Solvency
55.1%▼
2024 · 55.6%
Current ratio
1.73▲
2024 · 1.53
Quick ratio
1.71▲
2024 · 1.50
Debt / equity
0.81▲
2024 · 0.80
ROE
38.3%▲
2024 · 26.2%
ROA
21.1%▲
2024 · 14.6%
Interest coverage
25.66▲
2024 · 25.49
Debt
€134k▼
2024 · €138k
Debt ≤ 1 year
€129k▲
2024 · €127k
Debt > 1 year
€4k▼
2024 · €10k
Income taxes
€17k▲
2024 · €13k
Staff costs
€68k▲
2024 · €59k
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€311k€298k▼
Fixed assets21/28€117k€74k▼
Intangible fixed assets21€76k€48k▼
Tangible fixed assets22/27€41k€26k▼
Plant, machinery and equipment23€978€698▼
Furniture and vehicles24€40k€25k▼
Financial fixed assets28€190€190=
Current assets29/58€195k€224k▲
Stocks and contracts in progress3€4k€4k▲
Stocks30/36€4k€4k▲
Amounts receivable within one year40/41€13k€20k▲
Trade receivables40€2k€5k▲
Other amounts receivable41€11k€15k▲
Current investments50/53€12k€9k▼
Cash at bank and in hand54/58€160k€185k▲
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€311k€298k▼
Equity10/15€173k€164k▼
Contributions10/11€19k€19k=
Reserves13€153k€141k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€152k€140k▼
Profit (loss) carried forward14€1k€4k▲
Amounts payable17/49€138k€134k▼
Amounts payable after more than one year17€10k€4k▼
Financial debts170/4€10k€4k▼
Amounts payable within one year42/48€127k€129k▲
Current portion of amounts payable after more than one year42€16k€9k▼
Trade debts44€24k€12k▼
Suppliers440/4€24k€12k▼
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€5€4▼
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€83k€103k▲
Accrued charges and deferred income492/3€632€632=
Income statement
Code20242025
Remuneration, social security and pensions62€59k€68k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€50k▼
Other operating charges640/8€17k€3k▼
Non-recurring operating charges66A€2k€2k▼
Gross operating margin9900€188k€200k▲
Operating profit (loss)9901€59k€78k▲
Financial income75/76B€4k€7k▲
Recurring financial income75€4k€7k▲
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€58k€80k▲
Income taxes67/77€13k€17k▲
Profit (loss) for the period9904€45k€63k▲
Profit (loss) for the period to be appropriated9905€45k€63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€86k€64k▼
Profit (loss) brought forward from the previous period14P€41k€1k▼
Transfer from equity791/2-€12k
Profit to be distributed694/7€85k€72k▼
Return on contributions (dividend)694€85k€72k▼
The notes to these accounts (12 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
05-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
16-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €200kEq €213k ▲19.6%
5 profitable years in a row build equity to €213k.
2022
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Highest result since 2019net €86k ▲52.6%
Operating result €110k, net result €86k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €150kEq €177k ▲55%
3 profitable years in a row build equity to €177k.
25-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
30-06
Financial
Equity above €100kEq €114k ▲77.9%
2 profitable years in a row build equity to €114k.
2019
13-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
01-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1 day 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, Villers-le-Bouillet · 1 establishment unit since 2017
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.
Rue de la Sablière 384530 Villers-le-BouilletGround area
806 m²
Building footprint
169 m²
Volume, LiDAR
1,149 m³
2 parcels, Wallonia · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SAV Chauffage
since 20172.262.466.897
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61068B1238/00A000 | Wallonia | 721 m² | 1 · 104 m² | 7.2 m · 2 fl. |
| 61031B0585/00C000 | Wallonia | 86 m² | 1 · 64 m² | 10.0 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.
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Of 887 companies in sector 33110 we hold annual accounts for 440. 338 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-03-2017
Fiscal year end30-06
Activities, NACEBEL
33110Repair and maintenance of fabricated metal products
42219Civil engineering
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.savchauffage.be