SAVEC
ActiveSAVEC is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €846k and a net result of €254k. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 24% of 9865 sector peers (fiscal year 2024). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 9865 sector peers (2024).
NBB · sector comparisonPosition among 9865 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-07-2025, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d early
2023
30 d early
2022
32 d early
2021
31 d early
2020
36 d early
2019
32 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€846k▲ 43.0%
2023 · €591k
2018: €270k
2019: €316k
2020: €378k
2021: €401k
2022: €470k
2023: €591k
2018 → 2024
Net result
€254k▲ 109%
2023 · €122k
2018: €58k
2019: €45k
2020: €62k
2021: €23k
2022: €69k
2023: €122k
2018 → 2024
Total assets
€3.74M▲ 37.8%
2023 · €2.71M
2018: €808k
2019: €993k
2020: €950k
2021: €2.53M
2022: €2.60M
2023: €2.71M
2018 → 2024
Solvency
22.6%▲ 0.8pp
2023 · 21.8%
2018: 33.5%
2019: 31.8%
2020: 39.8%
2021: 15.9%
2022: 18.1%
2023: 21.8%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€378k-€401k▲ 6.1%€470k▲ 17.1%€591k▲ 25.9%€846k▲ 43.0%
Operating result€91k-€38k▼ 58.6%€101k▲ 167%€175k▲ 74.0%€331k▲ 89.0%
Net result€62k-€23k▼ 62.9%€69k▲ 198%€122k▲ 77.0%€254k▲ 109%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 89% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.74M
Fixed assets
€3.65M▲ 47.6%
Current assets
€91k▼ 62.2%
Equity and liabilities €3.74M
Equity
€846k▲ 43.0%
Provisions
€45k
Debt
€2.85M▲ 34.2%
The debt ratio falls from 78.2% to 76.2%: equity grows faster than debt.
Key figures and ratios
Solvency
22.6%▲
2023 · 21.8%
ROE
30.1%▲
2023 · 20.6%
ROA
6.8%▲
2023 · 4.5%
Debt
€2.85M▲
2023 · €2.12M
Debt ≤ 1 year
€2.80M▲
2023 · €2.06M
Debt > 1 year
€43k▼
2023 · €56k
Income taxes
€28k▼
2023 · €51k
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€2.71M€3.74M▲
Fixed assets21/28€2.47M€3.65M▲
Tangible fixed assets22/27€2.47M€3.65M▲
Land and buildings22€2.10M€3.65M▲
Assets under construction and advance payments27€368k-
Current assets29/58€242k€91k▼
Amounts receivable within one year40/41€4k€13k▲
Trade receivables40€4k€6k▲
Other amounts receivable41-€7k
Cash at bank and in hand54/58€237k€76k▼
Deferred charges and accrued income490/1€346€2k▲
Equity and liabilities
Total equity and liabilities10/49€2.71M€3.74M▲
Equity10/15€591k€846k▲
Contributions10/11€24k€24k=
Reserves13€567k€822k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132-€182k
Distributable reserves133€565k€637k▲
Provisions and deferred taxes16-€45k
Deferred taxes168-€45k
Amounts payable17/49€2.12M€2.85M▲
Amounts payable after more than one year17€56k€43k▼
Financial debts170/4€56k€43k▼
Amounts payable within one year42/48€2.06M€2.80M▲
Current portion of amounts payable after more than one year42€13k€13k▲
Trade debts44-€678
Suppliers440/4-€678
Taxes, remuneration and social security45€24k€8k▼
Taxes450/3€24k€8k▼
Other amounts payable47/48€2.02M€2.77M▲
Accrued charges and deferred income492/3€6k€11k▲
Income statement
Code20232024
Non-recurring operating income76A-€229k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€136k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€225k€468k▲
Operating profit (loss)9901€175k€331k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€172k€328k▲
Transfer from deferred taxes780-€296
Transfer to deferred taxes680-€46k
Income taxes67/77€51k€28k▼
Profit (loss) for the period9904€122k€254k▲
Transfer from tax-exempt reserves789-€1k
Transfer to tax-exempt reserves689-€183k
Profit (loss) for the period to be appropriated9905€122k€73k▼
Appropriation of the result
Profit (loss) to be appropriated9906€122k€73k▼
Transfer to equity691/2€122k€73k▼
To other reserves6921€122k€73k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €254k ▲109%
Operating result €331k, net result €254k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €500kEq €591k ▲25.9%
6 profitable years in a row build equity to €591k.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €23k ▼62.9%
Net result drops to €23k, the lowest in the series; recovery starts the following year.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
23-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Merksplas · 1 establishment unit since 2011
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.
Hofeinde 312330 MerksplasGround area
775 m²
Building footprint
165 m²
Volume, LiDAR
1,322 m³
Parcel 13023I0425/00S000, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
De Keyser Sven
since 20112.199.114.516
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13023I0425/00S000 | Flanders | 775 m² | 1 · 165 m² | 10.3 m · 3 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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Q & C
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BEDIMMO
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,689. 13,017 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-02-2011
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.