SAVE-INFINI
ActiveSummary
For SAVE-INFINI, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €34k and a net result of €21k. Equity is growing by ~32% per year across the filed fiscal years. Its solvency ranks better than 53% of 8568 sector peers (fiscal year 2023). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability100▲+16
Solvency77▲+14
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit check 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 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← 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 2023Solvency, return and age of the figures
Solvency
52%
Return on assets
32.2%
Age of the figures
33 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 · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline25-09-2026 today
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 26-08-2024, 26 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
26 d late
2022
11 d early
2021
73 d early
2020
31 d early
2019
84 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2023, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€21k▲ 407%
2022 · €4k
2018: €-4k
2019: €22k▲ +682% vs 2018highest in 6 years
2020: €-12k▼ -158% vs 2019lowest in 6 years
2021: €660▲ +105% vs 2020
2022: €4k▲ +536% vs 2021
2023: €21k▲ +407% vs 2022
2018 → 2023
Working capital
€30k▲ 469%
2022 · €5k
2018: €-4klowest in 6 years
2019: €17k▲ +509% vs 2018
2020: €5k▼ -71.7% vs 2019
2021: €6k▲ +13.5% vs 2020
2022: €5k▼ -6.3% vs 2021
2023: €30k▲ +469% vs 2022highest in 6 years
2018 → 2023
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Equity€21k-€8k▼ 60.3%€9k▲ 8.1%€13k▲ 47.6%€34k▲ 163%
2019: €21k
2020: €8k▼ -60.3% vs 2019lowest in 5 years
2021: €9k▲ +8.1% vs 2020
2022: €13k▲ +47.6% vs 2021
2023: €34k▲ +163% vs 2022highest in 5 years
Operating result€25k-€-13k€735€2k▲ 132%€28k▲ 1,563%
2019: €25k
2020: €-13k▼ -150% vs 2019lowest in 5 years
2021: €735▲ +106% vs 2020
2022: €2k▲ +132% vs 2021
2023: €28k▲ +1563% vs 2022highest in 5 years
Net result€22k-€-12k€660€4k▲ 536%€21k▲ 407%
2019: €22khighest in 5 years
2020: €-12k▼ -158% vs 2019lowest in 5 years
2021: €660▲ +105% vs 2020
2022: €4k▲ +536% vs 2021
2023: €21k▲ +407% vs 2022
Result per fiscal year
Operating resultNet result
After the dip in 2020 the operating result has climbed three years in a row; 2023 is 1,563% above 2022 and is the highest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €66k
Fixed assets
€5k ▼ 39.8%
Current assets
€61k ▲ 134%
Equity and liabilities €66k
Equity
€34k ▲ 163%
Debt
€32k ▲ 50.9%
Debt's share of the balance-sheet total falls from 61.7% to 48.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€31k▲
2022 · €3k
Cash flow
€24k▲
2022 · €5k
Current ratio
1.93▲
2022 · 1.25
Debt to equity
0.92▼
2022 · 1.61
ROE
62.0%▲
2022 · 32.2%
ROA
32.2%▲
2022 · 12.3%
Interest coverage
36.66▲
2022 · 19.55
Debt ≤ 1 year
€32k▲
2022 · €21k
Income taxes
€6k▲
2022 · €420
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 · 2023 against 2022 · 44 lines
Balance sheet
Code20222023
Assets
Total assets20/58€34k€66k▲
Fixed assets21/28€8k€5k▼
Tangible fixed assets22/27€8k€5k▼
Furniture and vehicles24€8k€5k▼
Financial fixed assets28€0-
Current assets29/58€26k€61k▲
Amounts receivable within one year40/41€1k-
Trade receivables40€9-
Other amounts receivable41€1k-
Current investments50/53-€14k
Cash at bank and in hand54/58€25k€48k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€34k€66k▲
Equity10/15€13k€34k▲
Contributions10/11€6k€6k=
Reserves13€6k€6k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€764€22k▲
Amounts payable17/49€21k€32k▲
Amounts payable within one year42/48€21k€32k▲
Trade debts44€254€5k▲
Suppliers440/4€254€5k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€16k€11k▼
Taxes450/3€16k€11k▼
Other amounts payable47/48€5k€16k▲
Income statement
Code20222023
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€953€384▼
Gross operating margin9900€4k€32k▲
Operating profit (loss)9901€2k€28k▲
Financial income75/76B€3k-
Recurring financial income75€3k-
Financial charges65/66B€139€859▲
Recurring financial charges65€139€859▲
Profit (loss) for the period before taxes9903€5k€28k▲
Income taxes67/77€420€6k▲
Profit (loss) for the period9904€4k€21k▲
Profit (loss) for the period to be appropriated9905€4k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€22k▲
Profit (loss) brought forward from the previous period14P€764€764=
Transfer to equity691/2€4k-
To other reserves6921€4k-
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | €1k | €3k | ▲ 211% |
| Other operating charges640/8 | - | - | €347 | €953 | €384 | ▼ 59.6% |
| Gross operating margin9900 | €26k | €-12k | €1k | €4k | €32k | ▲ 771% |
| Operating profit (loss)9901 | €25k | €-13k | €735 | €2k | €28k | ▲ 1,563% |
| Financial income75/76B | - | - | - | €3k | - | - |
| Recurring financial income75 | - | €504 | - | €3k | - | - |
| Financial charges65/66B | - | - | €75 | €139 | €859 | ▲ 520% |
| Recurring financial charges65 | €300 | €288 | €75 | €139 | €859 | ▲ 520% |
| Profit (loss) for the period before taxes9903 | €25k | €-12k | €660 | €5k | €28k | ▲ 496% |
| Income taxes67/77 | €4k | - | - | €420 | €6k | ▲ 1,386% |
| Profit (loss) for the period9904 | €22k | €-12k | €660 | €4k | €21k | ▲ 407% |
| Profit (loss) for the period to be appropriated9905 | €22k | €-12k | €660 | €4k | €21k | ▲ 407% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €33k | €18k | €10k | €34k | €66k | ▲ 93.9% |
| Fixed assets21/28 | €3k | €3k | €3k | €8k | €5k | ▼ 39.8% |
| Tangible fixed assets22/27 | - | - | €0 | €8k | €5k | ▼ 39.8% |
| Furniture and vehicles24 | - | - | - | €8k | €5k | ▼ 39.8% |
| Financial fixed assets28 | €3k | €3k | €3k | €0 | - | - |
| Current assets29/58 | €30k | €15k | €7k | €26k | €61k | ▲ 134% |
| Amounts receivable within one year40/41 | €7k | €11k | €1k | €1k | - | - |
| Trade receivables40 | - | - | €940 | €9 | - | - |
| Other amounts receivable41 | - | - | €81 | €1k | - | - |
| Current investments50/53 | - | - | - | - | €14k | - |
| Cash at bank and in hand54/58 | €23k | €4k | €6k | €25k | €48k | ▲ 91.0% |
| Deferred charges and accrued income490/1 | - | - | €53 | €0 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €33k | €18k | €10k | €34k | €66k | ▲ 93.9% |
| Equity10/15 | €21k | €8k | €9k | €13k | €34k | ▲ 163% |
| Contributions10/11 | €6k | - | €6k | €6k | €6k | = |
| Reserves13 | €2k | €2k | €2k | €6k | €6k | = |
| Non-distributable reserves130/1 | - | - | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | - | €2k | €2k | €2k | = |
| Distributable reserves133 | - | - | - | €4k | €4k | = |
| Profit (loss) carried forward14 | €12k | €104 | €764 | €764 | €22k | ▲ 2,784% |
| Amounts payable17/49 | €13k | €10k | €1k | €21k | €32k | ▲ 50.9% |
| Amounts payable within one year42/48 | €13k | €10k | €1k | €21k | €32k | ▲ 50.9% |
| Trade debts44 | €2k | €2k | €761 | €254 | €5k | ▲ 1,735% |
| Suppliers440/4 | - | - | €761 | €254 | €5k | ▲ 1,735% |
| Advances received on contracts in progress46 | - | - | - | €0 | - | - |
| Taxes, remuneration and social security45 | - | - | - | €16k | €11k | ▼ 34.4% |
| Taxes450/3 | - | - | - | €16k | €11k | ▼ 34.4% |
| Other amounts payable47/48 | - | - | €310 | €5k | €16k | ▲ 255% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22k | €-12k | €660 | €4k | €21k | ▲ 407% |
| + Depreciation and write-downs630 | - | - | - | €1k | €3k | ▲ 211% |
| Operating cash flow (approximation) | €22k | €-12k | €660 | €5k | €24k | ▲ 369% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-6k | €0 | ▲ 100% |
| Change in cash | - | €-19k | €2k | €19k | €23k | ▲ 17.0% |
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
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €660
Net result €660 after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 6.19
Current ratio from 1.48 to 6.19; short-term debt falls from €10k to €1k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 84 days late
2019
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-12
Financial
Liquidity times 10current ratio 2.38
Current ratio from 0.23 to 2.38.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 3 days late
Show earlier events
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
2016
22-12
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 144 days late
2015
31-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Namur · 1 establishment unit since 2010
Ground area
2,689 m²
Building footprint
298 m²
Volume, LiDAR
5,177 m³
2 parcels, Wallonia · tallest building 29.3 m, ±9 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
Allée de Lairbois 31, 5530 Yvoir
since 20102.184.315.284
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91141A0069/00R008 | Wallonia | 2,531 m² | 1 · 130 m² | 9.0 m · 2 fl. |
| 92302G0204/00X007 | Wallonia | 158 m² | 1 · 168 m² | 29.3 m · 9 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.
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Of 11,220 companies in sector 82100 we hold annual accounts for 3,511. 2,450 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 (pre-2019)
Founded09-12-2009
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
Contact
Phone
0478/228529Yvoir
Scores and ratios are computed by Checked and are not a credit decision.