SAVEER GEMS
ActiveSummary
SAVEER GEMS has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.41M and a net result of €184k. Equity is growing by ~33.7% per year across the filed fiscal years. Its solvency ranks better than 34% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+32
Solvency54▼-20
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity tight (current ratio 1.35 against 1.95 in 2024; short-term debt: 71% and cash: 1.8% of total assets), and 71% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
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
29%
Return on assets
2.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 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 · 10 filingsDeviation from the deadline
2025
11 d late
2024
59 d late
2023
36 d early
2022
17 d early
2021
13 d early
2020
1 d early
2019
60 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.41M▲ 8.3%
2024 · €2.22M
2018: €28k
2019: €15k
2020: €16k
2021: €702k
2022: €1.78M
2023: €2.19M
2024: €2.22M
2018 → 2025
Total assets
€8.31M▲ 82.5%
2024 · €4.55M
2018: €307k
2019: €15k
2020: €629k
2021: €2.33M
2022: €3.84M
2023: €4.45M
2024: €4.55M
2018 → 2025
Net result
€184k▲ 567%
2024 · €28k
2018: €-19k
2019: €-14k
2020: €2k
2021: €686k
2022: €1.08M
2023: €412k
2024: €28k
2018 → 2025
Working capital
€2.07M▼ 6.6%
2024 · €2.21M
2018: €27k
2019: €15k
2020: €11k
2021: €696k
2022: €1.75M
2023: €2.17M
2024: €2.21M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€702k-€1.78M▲ 154%€2.19M▲ 23.1%€2.22M▲ 1.3%€2.41M▲ 8.3%
Operating result€758k-€1.14M▲ 49.9%€463k▼ 59.2%€36k▼ 92.2%€218k▲ 503%
Net result€686k-€1.08M▲ 57.6%€412k▼ 61.9%€28k▼ 93.3%€184k▲ 567%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 503% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.31M
Fixed assets
€338k ▲ 4,028%
Current assets
€7.97M ▲ 75.4%
Equity and liabilities €8.31M
Equity
€2.41M ▲ 8.3%
Debt
€5.90M ▲ 153%
Debt's share of the balance-sheet total rises from 51.2% to 71.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€235k▲
2024 · €39k
Cash flow
€200k▲
2024 · €31k
Current ratio
1.35▼
2024 · 1.95
Quick ratio
0.60▼
2024 · 1.66
Debt to equity
2.45▲
2024 · 1.05
ROE
7.6%▲
2024 · 1.2%
ROA
2.2%▲
2024 · 0.6%
Interest coverage
10.83▲
2024 · 2.45
Debt ≤ 1 year
€5.90M▲
2024 · €2.33M
Income taxes
€31k▲
2024 · €11k
Staff costs
€66k▲
2024 · €39k
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 · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€4.55M€8.31M▲
Fixed assets21/28€8k€338k▲
Tangible fixed assets22/27€8k€333k▲
Land and buildings22-€311k
Furniture and vehicles24€3k€18k▲
Other tangible fixed assets26€6k€5k▼
Financial fixed assets28-€5k
Current assets29/58€4.55M€7.97M▲
Amounts receivable after more than one year29€626k€668k▲
Other amounts receivable291€626k€668k▲
Stocks and contracts in progress3€675k€4.42M▲
Stocks30/36€675k€4.42M▲
Amounts receivable within one year40/41€2.87M€2.72M▼
Trade receivables40€2.85M€2.71M▼
Other amounts receivable41€22k€4k▼
Cash at bank and in hand54/58€236k€152k▼
Deferred charges and accrued income490/1€135k€19k▼
Equity and liabilities
Total equity and liabilities10/49€4.55M€8.31M▲
Equity10/15€2.22M€2.41M▲
Contributions10/11€19k€19k=
Reserves13€2.20M€2.39M▲
Distributable reserves133€2.20M€2.39M▲
Amounts payable17/49€2.33M€5.90M▲
Amounts payable within one year42/48€2.33M€5.90M▲
Trade debts44€2.33M€5.77M▲
Suppliers440/4€2.33M€5.77M▲
Taxes, remuneration and social security45€6k€36k▲
Taxes450/3€6k€31k▲
Remuneration and social security454/9-€4k
Other amounts payable47/48-€100k
Income statement
Code20242025
Remuneration, social security and pensions62€39k€66k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€16k▲
Other operating charges640/8€2k€28k▲
Non-recurring operating charges66A€3k-
Gross operating margin9900€82k€329k▲
Operating profit (loss)9901€36k€218k▲
Financial income75/76B€18k€19k▲
Recurring financial income75€18k€19k▲
Financial charges65/66B€16k€22k▲
Recurring financial charges65€16k€22k▲
Profit (loss) for the period before taxes9903€38k€215k▲
Income taxes67/77€11k€31k▲
Profit (loss) for the period9904€28k€184k▲
Profit (loss) for the period to be appropriated9905€28k€184k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€184k▲
Transfer to equity691/2€28k€184k▲
To other reserves6921€28k€184k▲
Social balance
Average headcount (FTE)90871.41.6▲
The notes to these accounts (7 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 11 days late
2025
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 59 days late
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €2MEq €2.19M ▲23.1%
4 profitable years in a row build equity to €2.19M.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €1.08M ▲57.6%
Operating result €1.14M, net result €1.08M, both a record.
31-12
Financial
Equity above €1MEq €1.78M ▲154%
3 profitable years in a row build equity to €1.78M.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €500kEq €702k ▲4,224%
2 profitable years in a row build equity to €702k.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
Show earlier events
2019
31-12
Financial
Liquidity times 268current ratio 294.51
Current ratio from 1.10 to 294.51; short-term debt falls from €278k to €50.
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Antwerpen · 1 establishment unit since 2003
Ground area
3,046 m²
Building footprint
2,904 m²
Volume, LiDAR
74,659 m³
Parcel 11808H1178/00S008, Flanders · tallest building 46.0 m, ±8 floors. Linked by address, not a title deed.
258
companies at this address
See who is registered here
1 establishment unit
SAVEER GEMS
since 20032.134.377.409
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1178/00S008 | Flanders | 3,046 m² | 1 · 2,904 m² | 46.0 m · 8 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.
Similar companies · same sector, comparable size
MADHAV DIAM
BE 0836.780.594
Antwerpen · Eq €2,431,526
SEBER CREATIONS
BE 0441.864.593
Antwerpen · Eq €2,380,418
SUN & MOON GEMS
BE 0887.954.529
Antwerpen · Eq €2,432,365
MANES DIAMONDS
BE 0433.757.571
Antwerpen · Eq €2,378,007
SANA DIAM
BE 0416.298.264
Antwerpen · Eq €2,376,658
Of 1,229 companies in sector 46861 we hold annual accounts for 678. 432 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-2003
Fiscal year end31-12
Activities, NACEBEL 2025
46861Wholesale of diamonds and other precious stones
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.