SAVE WILLY
ActiveSummary
SAVE WILLY has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44,385 and a net result of €8,976. Equity is growing by ~46.7% per year across the filed fiscal years. Its solvency ranks better than 61% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▼-16
Solvency72▲+6
Growth44=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity tight (current ratio 1.05 against 0.87 in 2024; short-term debt: 53.2% and cash: 7.5% of total assets), and 53.2% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
46.8%
Return on assets
9.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
29 d late
2022
47 d early
2021
205 d early
2020
26 d late
2019
24 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 16 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€323,980▲ 8.1%
2019 · €299,636
EBIT margin
6.0%▲ 2.7pp
2019 · 3.3%
Net result
€8,976▼ 53.3%
2024 · €19,221
Working capital
€2,458
2024 · -€6,405
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result€45,288▲ 131%-€6,648€11,059€21,583▲ 95.2%€11,971▼ 44.5%
Net result€44,441above the sector's middle half▲ 123%-€8,467below the sector's middle half€9,837within the sector's middle half€19,221within the sector's middle half▲ 95.4%€8,976within the sector's middle half▼ 53.3%
EBIT margin
Equity€14,818within the sector's middle half€6,351within the sector's middle half▼ 57.1%€16,188within the sector's middle half▲ 155%€35,409within the sector's middle half▲ 119%€44,385within the sector's middle half▲ 25.3%
Total assets€48,571below the sector's middle half▼ 56.5%€50,643below the sector's middle half▲ 4.3%€114,836within the sector's middle half▲ 127%€86,343within the sector's middle half▼ 24.8%€94,884within the sector's middle half▲ 9.9%
Debt€33,753▼ 76.1%€44,293▲ 31.2%€98,649▲ 123%€50,934▼ 48.4%€50,499▼ 0.9%
Working capital-€29,291below the sector's middle half▲ 33.8%-€36,993below the sector's middle half▼ 26.3%-€26,391below the sector's middle half▲ 28.7%-€6,405within the sector's middle half▲ 75.7%€2,458within the sector's middle half
Solvency30.5%within the sector's middle half▲ 57.1pp12.5%within the sector's middle half▼ 18.0pp14.1%within the sector's middle half▲ 1.6pp41.0%within the sector's middle half▲ 26.9pp46.8%within the sector's middle half▲ 5.8pp
Current ratio0.13below the sector's middle half▼ 0.550.16below the sector's middle half▲ 0.030.73below the sector's middle half▲ 0.570.87within the sector's middle half▲ 0.141.05within the sector's middle half▲ 0.17
Return on assets (ROA)91.5%above the sector's middle half▲ 73.6pp-16.7%below the sector's middle half▼ 108.2pp8.6%within the sector's middle half▲ 25.3pp22.3%above the sector's middle half▲ 13.7pp9.5%within the sector's middle half▼ 12.8pp
Staff (FTE)0.3=
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €94,884
Fixed assets
€41,927 ▲ 0.3%
Current assets
€52,957 ▲ 18.9%
Equity and liabilities €94,884
Equity
€44,385 ▲ 25.3%
Debt
€50,499 ▼ 0.9%
Debt's share of the balance-sheet total falls from 59.0% to 53.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12,886▼
2024 · €22,348
Cash flow
€9,891▼
2024 · €19,986
Quick ratio
0.82▲
2024 · 0.77
Debt to equity
1.14▼
2024 · 1.44
ROE
20.2%▼
2024 · 54.3%
Interest coverage
163.68▲
2024 · 119.70
Debt ≤ 1 year
€50,499▼
2024 · €50,934
Income taxes
€3,299▲
2024 · €2,176
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €6,000 | €1,031 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,905 | €765 | €765 | €765 | €916 | ▲ 19.7% |
| Other operating charges640/8 | - | €8,771 | €5,308 | €4,763 | €4,913 | ▲ 3.1% |
| Gross operating margin9900 | €66,398 | €2,889 | €17,133 | €27,111 | €17,799 | ▼ 34.3% |
| Operating profit (loss)9901 | €45,288 | -€6,648 | €11,059 | €21,583 | €11,971 | ▼ 44.5% |
| Financial income75/76B | - | €0 | €3 | €1 | €382 | ▲ 33,437% |
| Recurring financial income75 | €2 | €0 | €3 | €1 | €382 | ▲ 33,437% |
| Financial charges65/66B | - | €1,701 | €1,225 | €187 | €79 | ▼ 57.8% |
| Recurring financial charges65 | €731 | €1,701 | €1,225 | €187 | €79 | ▼ 57.8% |
| Profit (loss) for the period before taxes9903 | €44,559 | -€8,349 | €9,837 | €21,397 | €12,275 | ▼ 42.6% |
| Income taxes67/77 | €118 | €118 | €0 | €2,176 | €3,299 | ▲ 51.6% |
| Profit (loss) for the period9904 | €44,441 | -€8,467 | €9,837 | €19,221 | €8,976 | ▼ 53.3% |
| Profit (loss) for the period to be appropriated9905 | €44,441 | -€8,467 | €9,837 | €19,221 | €8,976 | ▼ 53.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €48,571 | €50,643 | €114,836 | €86,343 | €94,884 | ▲ 9.9% |
| Fixed assets21/28 | €44,109 | €43,344 | €42,579 | €41,814 | €41,927 | ▲ 0.3% |
| Tangible fixed assets22/27 | €44,109 | €43,344 | €42,579 | €41,814 | €41,927 | ▲ 0.3% |
| Land and buildings22 | - | €43,344 | €42,579 | €41,814 | €41,049 | ▼ 1.8% |
| Plant, machinery and equipment23 | - | - | - | - | €878 | - |
| Current assets29/58 | €4,462 | €7,300 | €72,258 | €44,530 | €52,957 | ▲ 18.9% |
| Stocks and contracts in progress3 | - | - | - | €5,200 | €11,369 | ▲ 119% |
| Stocks30/36 | - | - | - | €5,200 | €11,369 | ▲ 119% |
| Amounts receivable within one year40/41 | €306 | €5,808 | €64,179 | €34,218 | €32,725 | ▼ 4.4% |
| Trade receivables40 | - | €5,808 | €64,179 | €34,218 | €32,725 | ▼ 4.4% |
| Cash at bank and in hand54/58 | €93 | €93 | €6,384 | €3,447 | €7,142 | ▲ 107% |
| Deferred charges and accrued income490/1 | - | €1,399 | €1,695 | €1,665 | €1,721 | ▲ 3.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €48,571 | €50,643 | €114,836 | €86,343 | €94,884 | ▲ 9.9% |
| Equity10/15 | €14,818 | €6,351 | €16,188 | €35,409 | €44,385 | ▲ 25.3% |
| Contributions10/11 | - | €40,000 | €40,000 | €40,000 | €40,000 | = |
| Reserves13 | €15,182 | €15,182 | €15,182 | €15,182 | €15,182 | = |
| Non-distributable reserves130/1 | - | €4,000 | €4,000 | €4,000 | €4,000 | = |
| Reserves not available under the articles1311 | - | €4,000 | €4,000 | €4,000 | €4,000 | = |
| Distributable reserves133 | - | €11,182 | €11,182 | €11,182 | €11,182 | = |
| Profit (loss) carried forward14 | -€40,364 | -€48,831 | -€38,994 | -€19,773 | -€10,797 | ▲ 45.4% |
| Amounts payable17/49 | €33,753 | €44,293 | €98,649 | €50,934 | €50,499 | ▼ 0.9% |
| Amounts payable within one year42/48 | €33,753 | €44,293 | €98,649 | €50,934 | €50,499 | ▼ 0.9% |
| Financial debts43 | - | €10,189 | €0 | - | - | - |
| Credit institutions430/8 | - | €10,189 | €0 | - | - | - |
| Trade debts44 | €4,592 | €3,211 | €48,108 | €4,998 | €1,523 | ▼ 69.5% |
| Suppliers440/4 | - | €3,211 | €48,108 | €4,998 | €1,523 | ▼ 69.5% |
| Taxes, remuneration and social security45 | - | €1,005 | €3,460 | €7,385 | €7,330 | ▼ 0.7% |
| Taxes450/3 | - | €1,005 | €3,460 | €7,385 | €7,330 | ▼ 0.7% |
| Other amounts payable47/48 | - | €29,887 | €47,081 | €38,551 | €41,645 | ▲ 8.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €44,441 | -€8,467 | €9,837 | €19,221 | €8,976 | ▼ 53.3% |
| + Depreciation and write-downs630 | €5,905 | €765 | €765 | €765 | €916 | ▲ 19.7% |
| Operating cash flow (approximation) | €50,346 | -€7,702 | €10,602 | €19,986 | €9,891 | ▼ 50.5% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | -€1,029 | - |
| Change in cash | - | €0 | €6,291 | -€2,937 | €3,695 | ▲ 226% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €9,837
Net result €9,837 after one loss-making year.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet -€8,467
Net result drops to -€8,467, the lowest in the series; recovery starts the following year.
07-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €44,441 ▲123%
Operating result €45,288, net result €44,441, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 26 days late
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 24 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
12-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 134 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 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, Mons
Ground area
1,422 m²
Building footprint
109 m²
Volume, LiDAR
978 m³
Parcel 53052A0033/00S000, Wallonia · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53052A0033/00S000 | Wallonia | 1,422 m² | 1 · 109 m² | 10.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 1,719 companies in sector 47521 we hold annual accounts for 1,288. 636 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
Founded06-07-1984
Fiscal year end31-12
Activities, NACEBEL 2025
47521Retail sale of hardware, building materials, paint and glass (general range)
43221Plumbing work
47552Retail sale of lighting equipment
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47789Other retail sale of new goods
E-invoicing
Reachable via Peppol
Peppol ID
0208:0425962335
Also
9925:BE0425962335
Registered
04-03-2026
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.