SAVE DEAL
ActiveSummary
SAVE DEAL has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.41M and a net result of €45k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 29% of 3200 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability39▼-5
Solvency54▼-35
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €210k at 30 days acceptable
Liquidity ample (current ratio 7.62 against 3.56 in 2024; short-term debt: 3.3% and cash: 1.7% of total assets), but 71% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
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
29%
Return on assets
0.4%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
2 d late
2024
4 d late
2022
72 d late
2021
79 d late
2020
89 d late
2019
91 d late
2018
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€936k
EBIT margin
54.1%
Net result
€45k▼ 13.7%
2024 · €53k
2018: €285k
2019: €111k▼ -60.9% vs 2018
2020: €443k▲ +298% vs 2019highest value
2021: €273k▼ -38.4% vs 2020
2022: €50k▼ -81.7% vs 2021
2024: €53k
2025: €45k▼ -13.7% vs 2024lowest value
2018 → 2025
Working capital
€2.57M▲ 21.6%
2024 · €2.12M
2018: €2.41M
2019: €2.48M▲ +2.8% vs 2018
2020: €2.48M▲ +0.3% vs 2019
2021: €2.47M▼ -0.4% vs 2020
2022: €2.74M▲ +10.9% vs 2021highest value
2024: €2.12Mlowest value
2025: €2.57M▲ +21.6% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€3.69M-€3.78M▲ 2.3%€3.69M▼ 2.2%€3.48M▼ 5.8%€3.41M▼ 1.9%
2020: €3.69M
2021: €3.78M▲ +2.3% vs 2020highest value
2022: €3.69M▼ -2.2% vs 2021
2024: €3.48M
2025: €3.41M▼ -1.9% vs 2024lowest value
Operating result€698k-€276k▼ 60.5%€72k▼ 73.8%€103k▲ 42.5%€214k▲ 107%
2020: €698khighest value
2021: €276k▼ -60.5% vs 2020
2022: €72k▼ -73.8% vs 2021lowest value
2024: €103k
2025: €214k▲ +107% vs 2024
Net result€443k-€273k▼ 38.4%€50k▼ 81.7%€53k▲ 5.5%€45k▼ 13.7%
2020: €443khighest value
2021: €273k▼ -38.4% vs 2020
2022: €50k▼ -81.7% vs 2021
2024: €53k
2025: €45k▼ -13.7% vs 2024lowest value
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 107% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11.78M
Fixed assets
€8.82M ▲ 252%
Current assets
€2.96M ▲ 0.7%
Equity and liabilities €11.78M
Equity
€3.41M ▼ 1.9%
Debt
€8.37M ▲ 325%
Debt's share of the balance-sheet total rises from 36.2% to 71.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€562k▲
2024 · €284k
Cash flow
€393k▲
2024 · €234k
Current ratio
7.62▲
2024 · 3.56
Debt to equity
2.45▲
2024 · 0.57
ROE
1.3%▼
2024 · 1.5%
ROA
0.4%▼
2024 · 1.0%
Interest coverage
2.38▼
2024 · 2.88
Debt ≤ 1 year
€389k▼
2024 · €826k
Debt > 1 year
€7.93M▲
2024 · €1.09M
Income taxes
€9k▼
2024 · €32k
Staff costs
€29k▼
2024 · €47k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 64 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.45M€11.78M▲
Fixed assets21/28€2.51M€8.82M▲
Tangible fixed assets22/27€1.86M€8.17M▲
Land and buildings22€1.80M€8.13M▲
Furniture and vehicles24€60k€38k▼
Financial fixed assets28€646k€646k=
Current assets29/58€2.94M€2.96M▲
Amounts receivable after more than one year29-€562k
Other amounts receivable291-€562k
Amounts receivable within one year40/41€952k€408k▼
Trade receivables40€253k€289k▲
Other amounts receivable41€699k€120k▼
Current investments50/53€1.53M€1.72M▲
Cash at bank and in hand54/58€225k€198k▼
Deferred charges and accrued income490/1€232k€77k▼
Equity and liabilities
Total equity and liabilities10/49€5.45M€11.78M▲
Equity10/15€3.48M€3.41M▼
Contributions10/11€1.82M€1.82M=
Reserves13€1.50M€1.43M▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€36k€36k=
Distributable reserves133€1.46M€1.40M▼
Profit (loss) carried forward14€160k€161k▲
Provisions and deferred taxes16€0-
Deferred taxes168€0-
Amounts payable17/49€1.97M€8.37M▲
Amounts payable after more than one year17€1.09M€7.93M▲
Financial debts170/4€1.09M€7.43M▲
Other amounts payable178/9-€501k
Amounts payable within one year42/48€826k€389k▼
Current portion of amounts payable after more than one year42€149k€180k▲
Financial debts43€360k€0▼
Credit institutions430/8€360k€0▼
Trade debts44€34k€70k▲
Suppliers440/4€34k€70k▲
Taxes, remuneration and social security45€17k€8k▼
Taxes450/3€13k€4k▼
Remuneration and social security454/9€4k€4k▼
Other amounts payable47/48€266k€131k▼
Accrued charges and deferred income492/3€50k€48k▼
Income statement
Code20242025
Remuneration, social security and pensions62€47k€29k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€181k€348k▲
Other operating charges640/8€30k€24k▼
Gross operating margin9900€361k€614k▲
Operating profit (loss)9901€103k€214k▲
Financial income75/76B€79k€77k▼
Recurring financial income75€79k€77k▼
Financial charges65/66B€99k€236k▲
Recurring financial charges65€99k€236k▲
Profit (loss) for the period before taxes9903€83k€55k▼
Transfer from deferred taxes780€933€0▼
Income taxes67/77€32k€9k▼
Profit (loss) for the period9904€53k€45k▼
Transfer from tax-exempt reserves789€3k€0▼
Profit (loss) for the period to be appropriated9905€55k€45k▼
Appropriation of the result
Profit (loss) to be appropriated9906€215k€206k▼
Profit (loss) brought forward from the previous period14P€160k€160k▲
Transfer from equity791/2€266k€113k▼
Transfer to equity691/2€55k€45k▼
To other reserves6921€55k€45k▼
Profit to be distributed694/7€266k€113k▼
Return on contributions (dividend)694€266k€113k▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (18 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €26k | €26k | €47k | €29k | ▼ 38.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €139k | €158k | €148k | €181k | €348k | ▲ 92.2% |
| Other operating charges640/8 | - | €16k | €18k | €30k | €24k | ▼ 22.5% |
| Gross operating margin9900 | €872k | €476k | €265k | €361k | €614k | ▲ 69.9% |
| Operating profit (loss)9901 | €698k | €276k | €72k | €103k | €214k | ▲ 107% |
| Financial income75/76B | - | €165k | €56k | €79k | €77k | ▼ 2.5% |
| Recurring financial income75 | €27k | €165k | €56k | €79k | €77k | ▼ 2.5% |
| Financial charges65/66B | - | €57k | €79k | €99k | €236k | ▲ 139% |
| Recurring financial charges65 | €65k | €57k | €79k | €99k | €236k | ▲ 139% |
| Profit (loss) for the period before taxes9903 | €661k | €384k | €50k | €83k | €55k | ▼ 34.5% |
| Transfer from deferred taxes780 | - | €884 | €884 | €933 | €0 | ▼ 100% |
| Income taxes67/77 | €219k | €112k | €904 | €32k | €9k | ▼ 70.9% |
| Profit (loss) for the period9904 | €443k | €273k | €50k | €53k | €45k | ▼ 13.7% |
| Transfer from tax-exempt reserves789 | - | €3k | €3k | €3k | €0 | ▼ 100% |
| Transfer to tax-exempt reserves689 | - | €0 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €627k | €276k | €53k | €55k | €45k | ▼ 18.0% |
| Line | 2020 | 2021 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6.45M | €5.79M | €5.75M | €5.45M | €11.78M | ▲ 116% |
| Fixed assets21/28 | €2.47M | €2.47M | €2.53M | €2.51M | €8.82M | ▲ 252% |
| Tangible fixed assets22/27 | €2.11M | €2.11M | €1.98M | €1.86M | €8.17M | ▲ 339% |
| Land and buildings22 | - | €2.11M | €1.98M | €1.80M | €8.13M | ▲ 352% |
| Furniture and vehicles24 | - | €48 | €819 | €60k | €38k | ▼ 36.0% |
| Financial fixed assets28 | €356k | €356k | €556k | €646k | €646k | = |
| Current assets29/58 | €3.98M | €3.33M | €3.21M | €2.94M | €2.96M | ▲ 0.7% |
| Amounts receivable after more than one year29 | - | - | - | - | €562k | - |
| Other amounts receivable291 | - | - | - | - | €562k | - |
| Amounts receivable within one year40/41 | €735k | €533k | €840k | €952k | €408k | ▼ 57.1% |
| Trade receivables40 | - | €16k | €135k | €253k | €289k | ▲ 13.8% |
| Other amounts receivable41 | - | €517k | €705k | €699k | €120k | ▼ 82.9% |
| Current investments50/53 | €535k | €1.37M | €1.50M | €1.53M | €1.72M | ▲ 12.0% |
| Cash at bank and in hand54/58 | €2.66M | €1.28M | €699k | €225k | €198k | ▼ 11.9% |
| Deferred charges and accrued income490/1 | - | €139k | €176k | €232k | €77k | ▼ 66.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6.45M | €5.79M | €5.75M | €5.45M | €11.78M | ▲ 116% |
| Equity10/15 | €3.69M | €3.78M | €3.69M | €3.48M | €3.41M | ▼ 1.9% |
| Contributions10/11 | - | €1.82M | €1.82M | €1.82M | €1.82M | = |
| Reserves13 | €1.77M | €1.85M | €1.71M | €1.50M | €1.43M | ▼ 4.5% |
| Non-distributable reserves130/1 | - | €65k | €65k | €0 | - | - |
| Reserves not available under the articles1311 | - | €65k | €65k | €0 | - | - |
| Tax-exempt reserves132 | - | €41k | €38k | €36k | €36k | = |
| Distributable reserves133 | - | €1.74M | €1.61M | €1.46M | €1.40M | ▼ 4.6% |
| Profit (loss) carried forward14 | €101k | €107k | €160k | €160k | €161k | ▲ 0.3% |
| Provisions and deferred taxes16 | €3k | €2k | €933 | €0 | - | - |
| Deferred taxes168 | - | €2k | €933 | €0 | - | - |
| Amounts payable17/49 | €2.75M | €2.02M | €2.05M | €1.97M | €8.37M | ▲ 325% |
| Amounts payable after more than one year17 | €1.26M | €1.16M | €1.55M | €1.09M | €7.93M | ▲ 625% |
| Financial debts170/4 | - | €464k | €1.55M | €1.09M | €7.43M | ▲ 579% |
| Other amounts payable178/9 | - | €700k | - | - | €501k | - |
| Amounts payable within one year42/48 | €1.50M | €854k | €470k | €826k | €389k | ▼ 52.9% |
| Current portion of amounts payable after more than one year42 | - | €92k | €128k | €149k | €180k | ▲ 20.9% |
| Financial debts43 | - | €535k | €180k | €360k | €0 | ▼ 100% |
| Credit institutions430/8 | - | €535k | €180k | €360k | €0 | ▼ 100% |
| Trade debts44 | €21k | €19k | €10k | €34k | €70k | ▲ 106% |
| Suppliers440/4 | - | €19k | €10k | €34k | €70k | ▲ 106% |
| Taxes, remuneration and social security45 | - | €29k | €20k | €17k | €8k | ▼ 51.1% |
| Taxes450/3 | - | €24k | €14k | €13k | €4k | ▼ 66.0% |
| Remuneration and social security454/9 | - | €5k | €5k | €4k | €4k | ▼ 7.7% |
| Other amounts payable47/48 | - | €181k | €133k | €266k | €131k | ▼ 50.8% |
| Accrued charges and deferred income492/3 | - | - | €28k | €50k | €48k | ▼ 4.8% |
| Line | 2020 | 2021 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €443k | €273k | €50k | €53k | €45k | ▼ 13.7% |
| + Depreciation and write-downs630 | €139k | €158k | €148k | €181k | €348k | ▲ 92.2% |
| Operating cash flow (approximation) | €583k | €431k | €197k | €234k | €393k | ▲ 68.3% |
| Investment in fixed assets (approximation) | - | €-159k | €-213k | - | €-6.66M | - |
| Change in cash | - | €-1.38M | €-584k | - | €-27k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 2 days late
2025
30-06
Financial
Weakest financial yearnet €45k ▼13.7%
Net result drops to €45k, the lowest in the series.
30-06
Financial
Liquidity doublescurrent ratio 7.62
Current ratio from 3.56 to 7.62; short-term debt falls from €826k to €389k.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 4 days late
2023
11-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 72 days late
2022
18-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 79 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 89 days late
2020
31-12
Financial
Highest result since 2018net €443k ▲298%
Operating result €698k, net result €443k, both a record.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Watermaal-Bosvoorde · 1 establishment unit since 2002
Ground area
4,498 m²
Building footprint
957 m²
Volume, LiDAR
13,037 m³
2 parcels, Brussels · tallest building 19.9 m, ±5 floors. Linked by address, not a title deed.
88
companies at this address
See who is registered here
1 establishment unit
Paul Hymanslaan 83 8, 1200 Sint-Lambrechts-Woluwe
since 20022.114.114.109
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21672C0013/00S000 | Brussels | 2,315 m² | 1 · 242 m² | 19.9 m · 5 fl. |
| 21652E0165/00Y007 | Brussels | 2,183 m² | 1 · 716 m² | 19.5 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
549300MLSI902WI0HV91
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 14,610 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-07-2002
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.