Financials
- Fiscal year
- 2025
- Turnover
- €221,827
- Loss
- -€15,080
- Solvency
- 87.9%
Turnover▲ 18.3%
Net result
20202025
SAVENERG
ActiveSummary
SAVENERG has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €212,052 and a net result of -€15,080. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 94% of 2284 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Activity
Installation of electric heating, air conditioning, cooling and ventilation
NACE 43222NACE 45331
#8 oldest company in Sint-Lambrechts-Woluwe, Construction sector1 site
Size
€221,827turnover 2025
- Staff
- 4.2 FTE
- Equity
- €212,052
- Loss
- -€15,080
Structure
- Parent
- Close Techniques · 100%
Accounts 29 d early0 of 12 deeds read
Why 89- Loss of €15,080, the second in a row (FY 2025)- Size: turnover €221,827, 4.2 FTE, total assets €241,309- Sector Specialised construction activities (NACE 43)+ Liquidity: current ratio 7.95, cash €104,230Show the evidence
Checked score
Score 2025
89
/ 100
Excellent
Probability in this band: under 0.55%
Better than 61% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
100=
equity 87.9% of total assets
Liquidity
99+4
short-term debt 12.1% · cash 43.2%
Profitability
8+2
return on assets -6.2%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.1%lowest value
12-2024: 0.1%● 0.0% vs 11-2024lowest value
01-2025: 0.1%● 0.0% vs 12-2024lowest value
02-2025: 0.1%● 0.0% vs 01-2025lowest value
03-2025: 0.1%▲ +9.8% vs 02-2025
04-2025: 0.1%▲ +2.7% vs 03-2025
05-2025: 0.1%▲ +3.5% vs 04-2025
06-2025: 0.1%▼ -7.6% vs 05-2025
07-2025: 0.1%● 0.0% vs 06-2025
08-2025: 0.2%▲ +103% vs 07-2025
09-2025: 0.2%● 0.0% vs 08-2025
10-2025: 0.2%● 0.0% vs 09-2025
11-2025: 0.2%● 0.0% vs 10-2025
12-2025: 0.2%● 0.0% vs 11-2025
01-2026: 0.2%● 0.0% vs 12-2025
02-2026: 0.2%● 0.0% vs 01-2026
03-2026: 0.2%▲ +9.9% vs 02-2026
04-2026: 0.3%▲ +6.5% vs 03-2026highest value
05-2026: 0.3%▼ -0.8% vs 04-2026
06-2026: 0.2%▼ -3.9% vs 05-2026
07-2026: 0.2%▼ -3.2% vs 06-2026
08-2026: 0.2%▼ -8.7% vs 07-2026
09-2026: 0.2%● 0.0% vs 08-2026
10-2026: 0.2%● 0.0% vs 09-2026
- Liquidity: current ratio 7.95, cash €104,230 lowers the probability
- Loss of €15,080, the second in a row (FY 2025) raises the probability
- Size: turnover €221,827, 4.2 FTE, total assets €241,309 raises the probability for this profile
- Sector Specialised construction activities (NACE 43) raises the probability
Credit up to €18,000 at 30 days acceptable
Liquidity ample (current ratio 7.95 against 5.29 in 2024; short-term debt: 12.1% and cash: 43.2% of total assets), and 12.1% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 90%, liquidity 95%, profitability 11%, growth against the median 49%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1920202122232425
2019 to 2025 · latest year -€15,080
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
22 d early
2023
24 d late
2022
23 d late
2021
22 d late
2020
30 d late
2020
65 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 after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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. Usually files around 22 August (4 of the last 5 filed years within 44 days of that day).
Companies Code · seven monthsPosition in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · full…
- Annual accounts filedfiscal year 2024 · full…
- Annual accounts filedfiscal year 2023 · full…
Key points
By topic
Board & ownership
- Parent
- Close Techniques · 100%
- Known shareholders
- 100%
Timeline
- Events
- 15
- Since
- 2016
- Next accounts
- by 31-07-2027
- 02-07-2026Annual accounts filed
- 09-07-2025Annual accounts filed
- 24-08-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Installation of electric heating, air conditioning, cooling and…NACE 43222
- Founded
- 07-12-1989
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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