SAVENERGIE

Active

Private limited companyfounded 20242 yrs activeNieuwpoortlaan 133, 8660 De Panne, BelgiumKBO/BCE: BE 1009.930.742

The computed 12-month bankruptcy probability of SAVENERGIE is 3.9% (moderate). The 2025 annual accounts show equity of €64k and a net result of €16k. Its solvency ranks better than 31% of 27711 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

61 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability78▼-22

Solvency55▼-16

Growth52

Track record82

Bankruptcy probability, 12 months

3.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €3.5k at 30 days acceptable

Liquidity ample (current ratio 2.52 against 14.52 in 2024; short-term debt: 36.7% and cash: 41.4% of total assets), but 70.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

29.7%

Return on assets

7.4%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-07-2026, 13 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

13 d early

2024

26 d early

← before the deadline after the deadline →

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 months

Position in the running window

21-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€64k▲ 33.1%

2024 · €48k

2024: €48k

2024 → 2025

Total assets

€215k▲ 105%

2024 · €105k

2024: €105k

2024 → 2025

Net result

€16k▼ 43.2%

2024 · €28k

2024: €28k

2024 → 2025

Working capital

€120k▲ 25.3%

2024 · €96k

2024: €96k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€48k-€64k▲ 33.1%

Operating result€35k-€24k▼ 32.1%

Net result€28k-€16k▼ 43.2%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 32% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €214k

92.9%

Fixed assets €15k▲ 2,407%

Current assets €198k▲ 93.2%

Equity and liabilities €215k

29.7%

70.3%

Equity €64k▲ 33.1%

Debt €151k▲ 166%

The debt ratio rises from 54.2% to 70.3%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€24k▼

2024 · €36k

Cash flow

€17k▼

2024 · €29k

Solvency

29.7%▼

2024 · 45.8%

Current ratio

2.52▼

2024 · 14.52

Quick ratio

2.52▼

2024 · 14.52

Debt / equity

2.37▲

2024 · 1.18

ROE

24.8%▼

2024 · 58.3%

ROA

7.4%▼

2024 · 26.7%

Interest coverage

376.70▼

2024 · 937.50

Debt

€151k▲

2024 · €57k

Debt ≤ 1 year

€79k▲

2024 · €7k

Income taxes

€8k▲

2024 · €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 · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€105k€215k▲

Formation expenses20€1k€1k▼

Fixed assets21/28€604€15k▲

Intangible fixed assets21€604€302▼

Tangible fixed assets22/27-€15k

Furniture and vehicles24-€15k

Current assets29/58€103k€198k▲

Amounts receivable within one year40/41€55k€106k▲

Trade receivables40€48k€63k▲

Other amounts receivable41€8k€44k▲

Cash at bank and in hand54/58€35k€89k▲

Deferred charges and accrued income490/1€13k€3k▼

Equity and liabilities

Total equity and liabilities10/49€105k€215k▲

Equity10/15€48k€64k▲

Contributions10/11€20k€20k=

Reserves13€28k-

Distributable reserves133€28k-

Profit (loss) carried forward14-€44k

Amounts payable17/49€57k€151k▲

Amounts payable within one year42/48€7k€79k▲

Trade debts44-€62k

Suppliers440/4-€62k

Taxes, remuneration and social security45€7k€17k▲

Taxes450/3€7k€15k▲

Remuneration and social security454/9-€2k

Accrued charges and deferred income492/3€50k€72k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€639€663▲

Other operating charges640/8-€433

Gross operating margin9900€36k€25k▼

Operating profit (loss)9901€35k€24k▼

Financial income75/76B€3€39▲

Recurring financial income75€3€39▲

Financial charges65/66B€38€65▲

Recurring financial charges65€38€65▲

Profit (loss) for the period before taxes9903€35k€24k▼

Income taxes67/77€7k€8k▲

Profit (loss) for the period9904€28k€16k▼

Profit (loss) for the period to be appropriated9905€28k€16k▼

Appropriation of the result

Profit (loss) to be appropriated9906€28k€44k▲

Profit (loss) brought forward from the previous period14P-€28k

Transfer to equity691/2€28k-

To other reserves6921€28k-

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

18-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

05-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, De Panne · 3 establishment units since 2024

establishment All 3 establishment units on the map

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.

Nieuwpoortlaan 1338660 De Panne

Ground area

1,897 m²

Building footprint

474 m²

Volume, LiDAR

6,485 m³

3 parcels, Flanders, Wallonia · tallest building 23.5 m, ±7 floors. Linked by address, not a title deed.

3 establishment units

SAVENERGIE

Nieuwpoortlaan 133, 8660 De PanneGeneral construction of buildings

since 20242.360.411.361

Savenergie

Avenue des Aubépines 74, 1480 TubizeGeneral construction of buildings

since 20242.366.413.186

Savenergie

Rue du Calvaire 14, 1495 Villers-la-VilleGeneral construction of buildings

since 20242.366.413.285

3 parcels

Flanders 1 (33.3%) Wallonia 2 (66.7%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25062H0375/00M000	Wallonia	1,028 m²	1 · 91 m²	6.0 m · 2 fl.
25019B0229/00L020	Wallonia	576 m²	1 · 82 m²	-
38008A0876/00_000	Flanders	294 m²	1 · 301 m²	23.5 m · 7 fl.