savedis
Activesavedis has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.98M and a net result of €95k. Equity is growing by ~21.1% per year across the filed fiscal years. Its solvency ranks better than 89% of 4122 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
81
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability24▼-1
Solvency91▲+1
Growth52=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160k at 30 days acceptable
Liquidity ample (current ratio 1.6 against 1.57 in 2024), and 19.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Sector 47
higher
← 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
80.1%
Return on assets
3.9%
Age of the figures
11 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 11-05-2026, 11 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 · 9 filingsDeviation from the deadline
2025
11 d late
2024
on the day
2023
29 d late
2022
10 d early
2021
23 d late
2020
21 d late
2019
18 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€95k▼ 1.8%
2024 · €97k
2018: €180k
2019: €177k
2020: €230k
2021: €249k
2022: €432k
2023: €438k
2024: €97k
2018 → 2025
Working capital
€282k▲ 0.8%
2024 · €280k
2018: €372k
2019: €538k
2020: €781k
2021: €1.04M
2022: €1.40M
2023: €1.81M
2024: €280k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.01M-€1.44M▲ 42.9%€1.88M▲ 30.4%€1.98M▲ 5.2%€1.98M▲ 0.3%
Operating result€342k-€611k▲ 78.8%€601k▼ 1.7%€153k▼ 74.5%€132k▼ 13.8%
Net result€249k-€432k▲ 73.8%€438k▲ 1.4%€97k▼ 77.9%€95k▼ 1.8%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 14% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.47M
Fixed assets
€1.72M▼ 0.4%
Current assets
€750k▼ 3.1%
Equity and liabilities €2.47M
Equity
€1.98M▲ 0.3%
Debt
€492k▼ 6.7%
The debt ratio falls from 21.1% to 19.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€157k▼
2024 · €177k
Cash flow
€121k▼
2024 · €121k
Solvency
80.1%▲
2024 · 78.9%
Current ratio
1.60▲
2024 · 1.57
Quick ratio
0.98▲
2024 · 0.69
Debt / equity
0.25▼
2024 · 0.27
ROE
4.8%▼
2024 · 4.9%
ROA
3.9%▼
2024 · 3.9%
Interest coverage
5.83▲
2024 · 5.71
Debt
€492k▼
2024 · €528k
Debt ≤ 1 year
€468k▼
2024 · €495k
Income taxes
€12k▼
2024 · €26k
Staff costs
€410k▲
2024 · €328k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.50M€2.47M▼
Fixed assets21/28€1.73M€1.72M▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€59k€55k▼
Plant, machinery and equipment23€51k€48k▼
Furniture and vehicles24€8k€6k▼
Financial fixed assets28€1.67M€1.67M=
Current assets29/58€774k€750k▼
Stocks and contracts in progress3€433k€293k▼
Stocks30/36€433k€293k▼
Amounts receivable within one year40/41€74k€244k▲
Trade receivables40€27k€6k▼
Other amounts receivable41€47k€238k▲
Cash at bank and in hand54/58€250k€193k▼
Deferred charges and accrued income490/1€18k€19k▲
Equity and liabilities
Total equity and liabilities10/49€2.50M€2.47M▼
Equity10/15€1.98M€1.98M▲
Contributions10/11€70k€70k=
Reserves13€1.90M€1.90M=
Non-distributable reserves130/1€7k-
Reserves not available under the articles1311€7k-
Distributable reserves133€1.89M€1.90M▲
Profit (loss) carried forward14€9k€15k▲
Amounts payable17/49€528k€492k▼
Amounts payable within one year42/48€495k€468k▼
Current portion of amounts payable after more than one year42€78k€11k▼
Trade debts44€344k€318k▼
Suppliers440/4€344k€318k▼
Taxes, remuneration and social security45€68k€49k▼
Taxes450/3€28k€6k▼
Remuneration and social security454/9€41k€43k▲
Other amounts payable47/48€5k€90k▲
Accrued charges and deferred income492/3€33k€24k▼
Income statement
Code20242025
Remuneration, social security and pensions62€328k€410k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€26k▲
Other operating charges640/8€2k€4k▲
Gross operating margin9900€507k€571k▲
Operating profit (loss)9901€153k€132k▼
Financial income75/76B€968€3k▲
Recurring financial income75€968€3k▲
Financial charges65/66B€31k€27k▼
Recurring financial charges65€31k€27k▼
Profit (loss) for the period before taxes9903€123k€108k▼
Income taxes67/77€26k€12k▼
Profit (loss) for the period9904€97k€95k▼
Profit (loss) for the period to be appropriated9905€97k€95k▼
Appropriation of the result
Profit (loss) to be appropriated9906€99k€105k▲
Profit (loss) brought forward from the previous period14P€2k€9k▲
Transfer to equity691/2€90k-
To other reserves6921€90k-
Profit to be distributed694/7-€90k
Directors or managers695-€90k
Social balance
Average headcount (FTE)908712.215.1▲
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
Next filing, fiscal year 2026, expected by
2026
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 11 days late
2025
30-09
Financial
Weakest financial yearnet €95k ▼1.8%
Net result drops to €95k, the lowest in the series.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
29-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
30-09
Financial
Highest result since 2018net €438k ▲1.4%
Net result €438k, the highest in the series.
20-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
23-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 23 days late
2021
30-09
Financial
Equity above €1MEq €1.01M ▲32.8%
4 profitable years in a row build equity to €1.01M.
21-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 21 days late
2020
18-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 18 days late
2019
30-09
Financial
Equity above €500kEq €530k ▲50.3%
2 profitable years in a row build equity to €530k.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
22-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 directors, no change since 2025
SA DISPAL
CurrentDirector · since 01-01-2025 · Legal entity · perm. rep.: Eric PESTIAT
ERIZO DISTRIBUTION SA
CurrentDirector · since 17-07-2023 · Legal entity
01-01-2025
SA DISPAL: Appointed as Director
01-01-2025
SA ERIZO DISTRIBUTION: Resigned as Director
17-07-2023
ERIZO DISTRIBUTION SA: Appointed as Director
17-07-2023
Laurent Maréchal: Resigned as Director
17-07-2023
Stéphanie Dumont: Resigned as Director
Location & real-estate footprint
Registered office, Durbuy · 1 establishment unit since 2016
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.
Route de Marche 416940 DurbuyGround area
4,828 m²
Building footprint
982 m²
Parcel 83004B1549/00M000, Wallonia. Linked by address, not a title deed.
1 establishment unit
SPAR
since 20162.257.990.942
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83004B1549/00M000 | Wallonia | 4,828 m² | 1 · 982 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteDurbuy2.257.990.942
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CHAZAL HOLD
BE 1006.015.902
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MARCO
BE 0454.270.893
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CRODI
BE 0896.630.485
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Of 10,411 companies in sector 47110 we hold annual accounts for 5,787. 1,504 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-08-2016
Fiscal year end30-09
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
47114Supermarkets
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.