SAVER
ActiveSummary
SAVER has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €626,582 and a net result of €327,782. Equity is growing by ~51% per year across the filed fiscal years. Its solvency ranks better than 94% of 1938 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55,000 at 30 days acceptable
Liquidity ample (current ratio 9.22 against 15.71 in 2023; short-term debt: 8.5% and cash: 52.7% of total assets), and 8.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 2024Solvency, return and age of the figures
Solvency
91.5%
Return on assets
47.9%
Age of the figures
21 mo
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 17-07-2025, 14 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
14 d early
2023
48 d early
2022
56 d early
2021
69 d early
2020
30 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 43 days before the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€626,582▼ 17.4%
2023 · €758,556
Total assets
€684,690▼ 14.2%
2023 · €798,123
Net result
€327,782▼ 28.7%
2023 · €459,756
Working capital
€477,873▼ 17.7%
2023 · €580,299
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€185,000-€240,405▲ 29.9%€387,673▲ 61.3%€610,153▲ 57.4%€428,859▼ 29.7%
Net result€129,576-€169,222▲ 30.6%€291,947▲ 72.5%€459,756▲ 57.5%€327,782▼ 28.7%
Equity€139,576-€308,798▲ 121%€600,746▲ 94.5%€758,556▲ 26.3%€626,582▼ 17.4%
Total assets€220,800-€373,378▲ 69.1%€638,458▲ 71.0%€798,123▲ 25.0%€684,690▼ 14.2%
Debt€81,224-€64,580▼ 20.5%€37,712▼ 41.6%€39,567▲ 4.9%€58,109▲ 46.9%
Working capital€107,900-€205,536▲ 90.5%€490,910▲ 139%€580,299▲ 18.2%€477,873▼ 17.7%
Staff (FTE)0
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 falls in 2024; 2024 is 30% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €684,690
Fixed assets
€148,708 ▼ 16.6%
Current assets
€535,982 ▼ 13.5%
Equity and liabilities €684,690
Equity
€626,582 ▼ 17.4%
Debt
€58,109 ▲ 46.9%
Debt's share of the balance-sheet total rises from 5.0% to 8.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€464,621▼
2023 · €638,581
Cash flow
€363,545▼
2023 · €488,184
Current ratio
9.22▼
2023 · 15.71
Debt to equity
0.09▲
2023 · 0.05
ROE
52.3%▼
2023 · 60.6%
ROA
47.9%▼
2023 · 57.6%
Interest coverage
1801.21▲
2023 · 1701.57
Debt ≤ 1 year
€58,109▲
2023 · €39,451
Income taxes
€108,167▼
2023 · €153,236
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,027 | €9,074 | €13,664 | €28,428 | €35,763 | ▲ 25.8% |
| Other operating charges640/8 | - | €2,534 | €921 | €1,410 | €2,100 | ▲ 48.9% |
| Gross operating margin9900 | €189,728 | €252,013 | €402,258 | €639,991 | €466,721 | ▼ 27.1% |
| Operating profit (loss)9901 | €185,000 | €240,405 | €387,673 | €610,153 | €428,859 | ▼ 29.7% |
| Financial income75/76B | - | €167 | €157 | €3,215 | €7,349 | ▲ 129% |
| Recurring financial income75 | €105 | €167 | €157 | €3,215 | €7,349 | ▲ 129% |
| Financial charges65/66B | - | €895 | €573 | €375 | €258 | ▼ 31.3% |
| Recurring financial charges65 | €1,065 | €895 | €573 | €375 | €258 | ▼ 31.3% |
| Profit (loss) for the period before taxes9903 | €184,039 | €239,676 | €387,256 | €612,993 | €435,949 | ▼ 28.9% |
| Income taxes67/77 | €54,462 | €70,454 | €95,309 | €153,236 | €108,167 | ▼ 29.4% |
| Profit (loss) for the period9904 | €129,576 | €169,222 | €291,947 | €459,756 | €327,782 | ▼ 28.7% |
| Profit (loss) for the period to be appropriated9905 | €129,576 | €169,222 | €291,947 | €459,756 | €327,782 | ▼ 28.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €220,800 | €373,378 | €638,458 | €798,123 | €684,690 | ▼ 14.2% |
| Formation expenses20 | €354 | - | - | - | - | - |
| Fixed assets21/28 | €31,322 | €103,263 | €110,503 | €178,373 | €148,708 | ▼ 16.6% |
| Intangible fixed assets21 | - | €1,365 | €1,091 | €7,371 | €5,559 | ▼ 24.6% |
| Tangible fixed assets22/27 | €31,322 | €101,898 | €109,412 | €171,002 | €143,149 | ▼ 16.3% |
| Land and buildings22 | - | €98,024 | €104,334 | €91,789 | €81,222 | ▼ 11.5% |
| Plant, machinery and equipment23 | - | €3,874 | €5,078 | €4,319 | €5,056 | ▲ 17.1% |
| Furniture and vehicles24 | - | - | - | €74,894 | €56,871 | ▼ 24.1% |
| Current assets29/58 | €189,124 | €270,115 | €527,955 | €619,750 | €535,982 | ▼ 13.5% |
| Amounts receivable after more than one year29 | - | €40,000 | €270,000 | €65,000 | €65,000 | = |
| Other amounts receivable291 | - | €40,000 | €270,000 | €65,000 | €65,000 | = |
| Amounts receivable within one year40/41 | €22,989 | €19,836 | €53,781 | €283,189 | €75,992 | ▼ 73.2% |
| Trade receivables40 | - | €495 | €40,578 | €100,936 | €22,046 | ▼ 78.2% |
| Other amounts receivable41 | - | €19,341 | €13,203 | €182,253 | €53,946 | ▼ 70.4% |
| Cash at bank and in hand54/58 | €125,558 | €209,305 | €198,633 | €268,618 | €360,705 | ▲ 34.3% |
| Deferred charges and accrued income490/1 | - | €974 | €5,541 | €2,943 | €34,284 | ▲ 1,065% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €220,800 | €373,378 | €638,458 | €798,123 | €684,690 | ▼ 14.2% |
| Equity10/15 | €139,576 | €308,798 | €600,746 | €758,556 | €626,582 | ▼ 17.4% |
| Contributions10/11 | - | €10,000 | €10,000 | €1 | €1 | = |
| Reserves13 | €129,576 | €298,798 | €298,798 | €298,798 | €298,798 | = |
| Distributable reserves133 | - | €298,798 | €298,798 | €298,798 | €298,798 | = |
| Profit (loss) carried forward14 | - | - | €291,947 | €459,756 | €327,782 | ▼ 28.7% |
| Amounts payable17/49 | €81,224 | €64,580 | €37,712 | €39,567 | €58,109 | ▲ 46.9% |
| Amounts payable within one year42/48 | €81,224 | €64,580 | €37,045 | €39,451 | €58,109 | ▲ 47.3% |
| Trade debts44 | €12,497 | €10,118 | €21,533 | €14,082 | €33,031 | ▲ 135% |
| Suppliers440/4 | - | €10,118 | €21,533 | €14,082 | €33,031 | ▲ 135% |
| Advances received on contracts in progress46 | - | - | - | €383 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | €54,462 | €15,512 | €24,986 | €25,078 | ▲ 0.4% |
| Taxes450/3 | - | €54,462 | €15,512 | €24,986 | €23,378 | ▼ 6.4% |
| Remuneration and social security454/9 | - | - | - | - | €1,700 | - |
| Accrued charges and deferred income492/3 | - | - | €667 | €116 | €0 | ▼ 100% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €129,576 | €169,222 | €291,947 | €459,756 | €327,782 | ▼ 28.7% |
| + Depreciation and write-downs630 | €2,027 | €9,074 | €13,664 | €28,428 | €35,763 | ▲ 25.8% |
| Operating cash flow (approximation) | €131,604 | €178,296 | €305,612 | €488,184 | €363,545 | ▼ 25.5% |
| Investment in fixed assets (approximation) | - | -€81,015 | -€20,904 | -€96,297 | -€6,098 | ▲ 93.7% |
| Change in cash | - | €83,748 | -€10,673 | €69,985 | €92,087 | ▲ 31.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2020net €459,756 ▲57.5%
Operating result €610,153, net result €459,756, both a record.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 14.25
Current ratio from 4.18 to 14.25; short-term debt falls from €64,580 to €37,045.
31-12
Financial
Equity above €500,000Eq €600,746 ▲94.5%
3 profitable years in a row build equity to €600,746.
23-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200,000Eq €308,798 ▲121%
2 profitable years in a row build equity to €308,798.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Izegem · 1 establishment unit since 2020
Ground area
584 m²
Building footprint
111 m²
Volume, LiDAR
626 m³
Parcel 36494D0703/00G002, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
SAVER
since 20202.306.522.418
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36494D0703/00G002 | Flanders | 584 m² | 1 · 111 m² | 10.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
TRV.X
BE 0550.382.156
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Sinep
BE 0400.055.813
Ukkel · Eq €626,408
STUDIO SOMERS
BE 0502.681.318
Sint-Truiden · Eq €627,091
SKALD ENGINEERING
BE 0759.665.792
Roeselare · Eq €626,026
VOITH TURBO
BE 0407.189.073
Leuven · Eq €627,222
Of 11,571 companies in sector 71121 we hold annual accounts for 6,563. 4,123 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded01-09-2020
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
71111Activities of building architects
74999Other professional, scientific and technical activities
82990Other business support services
Contact
E-mail
info@saver-bv.be
Phone
0492/53.68.91
Scores and ratios are computed by Checked and are not a credit decision.