Savertens
ActiveSavertens has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61k and a net result of €59k. Its solvency ranks better than 70% of 474 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes
Profitability100
Solvency100
Growth-
Stability67
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity ample (current ratio 3.39), and 29.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← 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
70.9%
Return on assets
68.6%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 10-02-2026, 79 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
79 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€61k
Total assets
€86k
Net result
€59k
Working capital
€60k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €86k
Fixed assets
€1k
Current assets
€85k
Equity and liabilities €86k
Equity
€61k
Debt
€25k
Debt finances 29.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€83k
Cash flow
€60k
Solvency
70.9%
Current ratio
3.39
Quick ratio
3.39
Debt / equity
0.41
ROE
96.7%
ROA
68.6%
Interest coverage
187.67
Debt
€25k
Debt ≤ 1 year
€25k
Income taxes
€23k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€86k
Fixed assets21/28€1k
Tangible fixed assets22/27€967
Furniture and vehicles24€967
Financial fixed assets28€74
Current assets29/58€85k
Amounts receivable within one year40/41€3k
Trade receivables40€3k
Cash at bank and in hand54/58€83k
Equity and liabilities
Total equity and liabilities10/49€86k
Equity10/15€61k
Contributions10/11€2k
Capital10€2k
Issued capital100€2k
Reserves13€59k
Distributable reserves133€59k
Amounts payable17/49€25k
Amounts payable within one year42/48€25k
Trade debts44€1k
Suppliers440/4€1k
Taxes, remuneration and social security45€24k
Taxes450/3€24k
Other amounts payable47/48€261
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€484
Other operating charges640/8€916
Gross operating margin9900€84k
Operating profit (loss)9901€82k
Financial charges65/66B€442
Recurring financial charges65€442
Profit (loss) for the period before taxes9903€82k
Income taxes67/77€23k
Profit (loss) for the period9904€59k
Profit (loss) for the period to be appropriated9905€59k
Appropriation of the result
Profit (loss) to be appropriated9906€59k
Transfer to equity691/2€59k
To other reserves6921€59k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
10-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated 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, Gent · 1 establishment unit since 2023
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.
Zwanebloemstraat 159032 GentGround area
1,660 m²
Building footprint
165 m²
Volume, LiDAR
895 m³
Parcel 44074C0248/00S002, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Zwanebloemstraat 15, 9032 Gent
since 20232.352.556.638
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44074C0248/00S002 | Flanders | 1,660 m² | 1 · 165 m² | 8.7 m · 2 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.
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Of 3,142 companies in sector 63920 we hold annual accounts for 1,516. 1,233 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-11-2023
Fiscal year end30-09
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.