SAVE YOUR PROPERTY
ActiveSAVE YOUR PROPERTY has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €91k and a net result of €5k. Equity is growing by ~51.9% per year across the filed fiscal years. Its solvency ranks better than 28% of 276 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability61▼-20
Solvency44▼-32
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.47 against 1.65 in 2023; short-term debt: 20.6% and cash: 4.1% of total assets), and 80.9% of the assets are financed with debt.
Credit advice 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 26
Relative position
BE, all sectors
reference
Sector 26
lower
← 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
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 2024Solvency, return and age of the figures
Solvency
19.1%
Return on assets
1.1%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-09-2025, 54 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
not confirmed
2024
54 d late
2023
48 d late
2022
66 d late
2021
65 d late
2020
27 d late
2019
82 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€91k▲ 6.2%
2023 · €86k
2018: €12k
2019: €-3k
2020: €14k
2021: €36k
2022: €70k
2023: €86k
2018 → 2024
Total assets
€480k▲ 186%
2023 · €168k
2018: €53k
2019: €31k
2020: €57k
2021: €59k
2022: €176k
2023: €168k
2018 → 2024
Net result
€5k▼ 67.0%
2023 · €16k
2018: €30k
2019: €-15k
2020: €18k
2021: €21k
2022: €34k
2023: €16k
2018 → 2024
Working capital
€-52k
2023 · €15k
2018: €4k
2019: €-5k
2020: €13k
2021: €13k
2022: €1k
2023: €15k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€14k-€36k▲ 151%€70k▲ 95.4%€86k▲ 23.2%€91k▲ 6.2%
Operating result€21k-€30k▲ 44.3%€48k▲ 60.0%€26k▼ 46.5%€16k▼ 37.4%
Net result€18k-€21k▲ 22.3%€34k▲ 58.8%€16k▼ 52.5%€5k▼ 67.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 37% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €480k
Fixed assets
€433k▲ 233%
Current assets
€47k▲ 23.2%
Equity and liabilities €480k
Equity
€91k▲ 6.2%
Debt
€388k▲ 375%
The debt ratio rises from 48.7% to 80.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€34k▼
2023 · €37k
Cash flow
€24k▼
2023 · €27k
Solvency
19.1%▼
2023 · 51.3%
Current ratio
0.47▼
2023 · 1.65
Quick ratio
0.47▼
2023 · 1.65
Debt / equity
4.25▲
2023 · 0.95
ROE
5.8%▼
2023 · 18.8%
ROA
1.1%▼
2023 · 9.7%
Interest coverage
4.90▼
2023 · 14.20
Debt
€388k▲
2023 · €82k
Debt ≤ 1 year
€99k▲
2023 · €23k
Debt > 1 year
€289k▲
2023 · €59k
Income taxes
€4k▼
2023 · €7k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€168k€480k▲
Fixed assets21/28€130k€433k▲
Tangible fixed assets22/27€130k€433k▲
Land and buildings22€104k€414k▲
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€13k€9k▼
Other tangible fixed assets26€7k€5k▼
Current assets29/58€38k€47k▲
Amounts receivable within one year40/41€20k€27k▲
Trade receivables40€19k€26k▲
Other amounts receivable41€887€1k▲
Cash at bank and in hand54/58€18k€20k▲
Equity and liabilities
Total equity and liabilities10/49€168k€480k▲
Equity10/15€86k€91k▲
Contributions10/11€12k€12k=
Reserves13€74k€79k▲
Distributable reserves133€74k€79k▲
Amounts payable17/49€82k€388k▲
Amounts payable after more than one year17€59k€289k▲
Financial debts170/4€59k€289k▲
Amounts payable within one year42/48€23k€99k▲
Current portion of amounts payable after more than one year42€7k€20k▲
Trade debts44€6k€7k▲
Suppliers440/4€6k€7k▲
Taxes, remuneration and social security45€10k€10k▼
Taxes450/3€10k€10k▼
Other amounts payable47/48€127€62k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€18k▲
Other operating charges640/8€1k€3k▲
Gross operating margin9900€38k€37k▼
Operating profit (loss)9901€26k€16k▼
Financial income75/76B€34€53▲
Recurring financial income75€34€53▲
Financial charges65/66B€3k€7k▲
Recurring financial charges65€3k€7k▲
Profit (loss) for the period before taxes9903€23k€9k▼
Income taxes67/77€7k€4k▼
Profit (loss) for the period9904€16k€5k▼
Profit (loss) for the period to be appropriated9905€16k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€5k▼
Transfer to equity691/2€16k€5k▼
To other reserves6921€16k€5k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 48 days late
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
31-12
Financial
Highest result since 2018net €34k ▲58.8%
Operating result €48k, net result €34k, both a record.
04-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 65 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
21-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 82 days late
2019
31-12
Financial
Weakest financial yearnet €-15k ▼152%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
23-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 54 days late
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 56 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 57 days late
2016
21-10
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 82 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Tessenderlo-Ham · 1 establishment unit since 2001
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.
Langven 20D3945 Tessenderlo-HamGround area
704 m²
Building footprint
145 m²
Volume, LiDAR
660 m³
Parcel 71046A1118/00X000, Flanders · tallest building 7.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
S.Y.P.
since 20012.116.619.479
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71046A1118/00X000 | Flanders | 704 m² | 1 · 145 m² | 7.7 m · 1 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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STONE
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SECUR LIFE PROTECT
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Chièvres · Eq €98k
Of 122 companies in sector 26300 we hold annual accounts for 97. 53 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-09-2001
Fiscal year end31-12
Abbreviation NL
S.Y.P.
Activities, NACEBEL
26300Manufacture of computer, electronic and optical products
31621
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.