SaveTax
ActiveSummary
SaveTax has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44k and a net result of €39k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 3307 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▼-19
Solvency36=
Growth63=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.01 against 1.05 in 2024; short-term debt: 74.1% and cash: 6.9% of total assets), and 89.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Seven 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
10.8%
Return on assets
9.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 3307 sector peers (2025).
NBB · sector comparisonPosition among 3307 sector peers
Solvency
better than 20%
← weakest
strongest →
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 26-07-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
30 d late
2023
29 d late
2022
31 d late
2021
2 d late
2020
4 d early
2019
101 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
Turnover
€383k▲ 0.2%
2018 · €382k
2018: €382k
2019: €383k▲ +0.2% vs 2018
2018 → 2019
EBIT margin
-1.4%▼ 1.9pp
2018 · 0.5%
2018: 0.5%
2019: -1.4%▼ -365% vs 2018
2018 → 2019
Net result
€39k▼ 41.1%
2024 · €67k
2018: €-3k
2019: €-12k▼ -275% vs 2018lowest in 8 years
2020: €16k▲ +234% vs 2019
2021: €35k▲ +123% vs 2020
2022: €30k▼ -11.9% vs 2021
2023: €17k▼ -44.4% vs 2022
2024: €67k▲ +293% vs 2023highest in 8 years
2025: €39k▼ -41.1% vs 2024
2018 → 2025
Working capital
€2k▼ 69.1%
2024 · €6k
2018: €25k
2019: €13k▼ -47.1% vs 2018
2020: €29k▲ +120% vs 2019
2021: €43k▲ +50.2% vs 2020highest in 8 years
2022: €11k▼ -73.7% vs 2021
2023: €1k▼ -90.8% vs 2022lowest in 8 years
2024: €6k▲ +521% vs 2023
2025: €2k▼ -69.1% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€52k▼ 11.1%€69k▲ 32.4%€27k▼ 61.3%€44k▲ 64.4%
2021: €59k
2022: €52k▼ -11.1% vs 2021
2023: €69k▲ +32.4% vs 2022highest in 5 years
2024: €27k▼ -61.3% vs 2023lowest in 5 years
2025: €44k▲ +64.4% vs 2024
Operating result€51k-€41k▼ 20.8%€32k▼ 20.5%€95k▲ 193%€61k▼ 35.2%
2021: €51k
2022: €41k▼ -20.8% vs 2021
2023: €32k▼ -20.5% vs 2022lowest in 5 years
2024: €95k▲ +193% vs 2023highest in 5 years
2025: €61k▼ -35.2% vs 2024
Net result€35k-€30k▼ 11.9%€17k▼ 44.4%€67k▲ 293%€39k▼ 41.1%
2021: €35k
2022: €30k▼ -11.9% vs 2021
2023: €17k▼ -44.4% vs 2022lowest in 5 years
2024: €67k▲ +293% vs 2023highest in 5 years
2025: €39k▼ -41.1% vs 2024
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €410k
Fixed assets
€104k ▲ 1.4%
Current assets
€305k ▲ 113%
Equity and liabilities €410k
Equity
€44k ▲ 64.4%
Debt
€366k ▲ 66.8%
Debt's share of the balance-sheet total rises from 89.1% to 89.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€65k▼
2024 · €100k
Cash flow
€43k▼
2024 · €72k
Current ratio
1.01▼
2024 · 1.05
Debt to equity
8.29▲
2024 · 8.17
ROE
89.0%▼
2024 · 248.5%
ROA
9.6%▼
2024 · 27.1%
Interest coverage
9.42▼
2024 · 13.19
Debt ≤ 1 year
€303k▲
2024 · €137k
Debt > 1 year
€62k▼
2024 · €83k
Income taxes
€19k▼
2024 · €26k
Staff costs
€304k▲
2024 · €230k
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 · 58 lines
Balance sheet
Code20242025
Assets
Total assets20/58€246k€410k▲
Fixed assets21/28€103k€104k▲
Intangible fixed assets21€949€8k▲
Tangible fixed assets22/27€2k€968▼
Furniture and vehicles24€1k€968▼
Other tangible fixed assets26€462-
Financial fixed assets28€100k€96k▼
Current assets29/58€143k€305k▲
Amounts receivable within one year40/41€118k€264k▲
Trade receivables40€118k€264k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€12k€28k▲
Deferred charges and accrued income490/1€13k€13k▲
Equity and liabilities
Total equity and liabilities10/49€246k€410k▲
Equity10/15€27k€44k▲
Contributions10/11€10k€10k=
Reserves13€17k€17k=
Tax-exempt reserves132€17k-
Distributable reserves133€0€17k▲
Profit (loss) carried forward14€0€17k▲
Amounts payable17/49€219k€366k▲
Amounts payable after more than one year17€83k€62k▼
Financial debts170/4€83k€62k▼
Amounts payable within one year42/48€137k€303k▲
Current portion of amounts payable after more than one year42€20k€20k▲
Financial debts43€0-
Other loans439€0-
Trade debts44€31k€171k▲
Suppliers440/4€31k€171k▲
Taxes, remuneration and social security45€77k€90k▲
Taxes450/3€43k€33k▼
Remuneration and social security454/9€33k€58k▲
Other amounts payable47/48€9k€22k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€11k-
Remuneration, social security and pensions62€230k€304k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Other operating charges640/8€3k€10k▲
Gross operating margin9900€333k€379k▲
Operating profit (loss)9901€95k€61k▼
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€92k€58k▼
Income taxes67/77€26k€19k▼
Profit (loss) for the period9904€67k€39k▼
Transfer from tax-exempt reserves789-€17k
Profit (loss) for the period to be appropriated9905€67k€56k▼
Appropriation of the result
Profit (loss) to be appropriated9906€89k€56k▼
Profit (loss) brought forward from the previous period14P€22k-
Transfer from equity791/2€20k-
Transfer to equity691/2-€17k
To other reserves6921-€17k
Profit to be distributed694/7€109k€22k▼
Return on contributions (dividend)694€109k-
Employees696-€22k
Social balance
Average headcount (FTE)90874.76.2▲
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €3k | €8k | €0 | €11k | - | - |
| Remuneration, social security and pensions62 | €149k | €177k | €224k | €230k | €304k | ▲ 32.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | €16k | €27k | €5k | €4k | ▼ 26.9% |
| Other operating charges640/8 | €2k | €6k | €8k | €3k | €10k | ▲ 185% |
| Non-recurring operating charges66A | €445 | €2k | €0 | - | - | - |
| Gross operating margin9900 | €203k | €240k | €291k | €333k | €379k | ▲ 13.6% |
| Operating profit (loss)9901 | €51k | €41k | €32k | €95k | €61k | ▼ 35.2% |
| Financial income75/76B | €432 | €517 | €3k | €5k | €4k | ▼ 25.5% |
| Recurring financial income75 | €432 | €517 | €3k | €5k | €4k | ▼ 25.5% |
| Financial charges65/66B | €1k | €2k | €6k | €8k | €7k | ▼ 8.6% |
| Recurring financial charges65 | €1k | €2k | €6k | €8k | €7k | ▼ 8.6% |
| Profit (loss) for the period before taxes9903 | €50k | €39k | €30k | €92k | €58k | ▼ 36.9% |
| Income taxes67/77 | €16k | €9k | €13k | €26k | €19k | ▼ 25.9% |
| Profit (loss) for the period9904 | €35k | €30k | €17k | €67k | €39k | ▼ 41.1% |
| Transfer from tax-exempt reserves789 | - | - | - | - | €17k | - |
| Transfer to tax-exempt reserves689 | €17k | €0 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €18k | €30k | €17k | €67k | €56k | ▼ 15.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €123k | €260k | €304k | €246k | €410k | ▲ 66.6% |
| Fixed assets21/28 | €16k | €112k | €171k | €103k | €104k | ▲ 1.4% |
| Intangible fixed assets21 | €9k | €7k | €5k | €949 | €8k | ▲ 705% |
| Tangible fixed assets22/27 | €5k | €104k | €78k | €2k | €968 | ▼ 48.9% |
| Furniture and vehicles24 | €3k | €103k | €77k | €1k | €968 | ▼ 32.5% |
| Other tangible fixed assets26 | €2k | €2k | €1k | €462 | - | - |
| Financial fixed assets28 | €1k | €1k | €88k | €100k | €96k | ▼ 4.4% |
| Current assets29/58 | €107k | €148k | €134k | €143k | €305k | ▲ 113% |
| Amounts receivable within one year40/41 | €76k | €109k | €116k | €118k | €264k | ▲ 123% |
| Trade receivables40 | €76k | €109k | €109k | €118k | €264k | ▲ 123% |
| Other amounts receivable41 | €64 | €121 | €6k | €0 | - | - |
| Cash at bank and in hand54/58 | €29k | €27k | €7k | €12k | €28k | ▲ 138% |
| Deferred charges and accrued income490/1 | €2k | €11k | €11k | €13k | €13k | ▲ 0.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €123k | €260k | €304k | €246k | €410k | ▲ 66.6% |
| Equity10/15 | €59k | €52k | €69k | €27k | €44k | ▲ 64.4% |
| Contributions10/11 | €22k | €10k | €10k | €10k | €10k | = |
| Outside capital11 | €22k | - | - | - | - | - |
| Other1109/19 | €22k | - | - | - | - | - |
| Reserves13 | €37k | €37k | €37k | €17k | €17k | = |
| Tax-exempt reserves132 | €17k | €17k | €17k | €17k | - | - |
| Distributable reserves133 | €20k | €20k | €20k | €0 | €17k | - |
| Profit (loss) carried forward14 | - | €5k | €22k | €0 | €17k | - |
| Amounts payable17/49 | €64k | €208k | €235k | €219k | €366k | ▲ 66.8% |
| Amounts payable after more than one year17 | - | €71k | €102k | €83k | €62k | ▼ 24.7% |
| Financial debts170/4 | - | €71k | €102k | €83k | €62k | ▼ 24.7% |
| Amounts payable within one year42/48 | €64k | €137k | €133k | €137k | €303k | ▲ 122% |
| Current portion of amounts payable after more than one year42 | - | €19k | €19k | €20k | €20k | ▲ 3.1% |
| Financial debts43 | - | - | €20k | €0 | - | - |
| Other loans439 | - | - | €20k | €0 | - | - |
| Trade debts44 | €3k | €37k | €43k | €31k | €171k | ▲ 446% |
| Suppliers440/4 | €3k | €37k | €43k | €31k | €171k | ▲ 446% |
| Taxes, remuneration and social security45 | €41k | €56k | €51k | €77k | €90k | ▲ 18.2% |
| Taxes450/3 | €22k | €21k | €23k | €43k | €33k | ▼ 24.8% |
| Remuneration and social security454/9 | €19k | €34k | €27k | €33k | €58k | ▲ 73.9% |
| Other amounts payable47/48 | €19k | €26k | €0 | €9k | €22k | ▲ 141% |
| Accrued charges and deferred income492/3 | €116 | €48 | €48 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €35k | €30k | €17k | €67k | €39k | ▼ 41.1% |
| + Depreciation and write-downs630 | €1k | €16k | €27k | €5k | €4k | ▼ 26.9% |
| Operating cash flow (approximation) | €36k | €46k | €44k | €72k | €43k | ▼ 40.0% |
| Investment in fixed assets (approximation) | - | €-112k | €-85k | €62k | €-5k | ▼ 109% |
| Change in cash | - | €-1k | €-21k | €5k | €17k | ▲ 210% |
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
Next filing, fiscal year 2026, expected by
2026
25-09
State Gazette act
General meeting · Registered-office move
Power of attorney · Permanent representative
24-09
State Gazette act
General meeting · Director appointment
Permanent representative · Declaration
16-09
State Gazette act
General meeting · Registered-office move
Power of attorney · Permanent representative
24-08
State Gazette act
Incorporation · Founding capital
Corporate purpose · General meeting
26-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
01-07
State Gazette act
Incorporation · Founder
Founding capital · Corporate purpose
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 30 days late
2024
31-12
Financial
Highest result since 2018net €67k ▲293%
Operating result €95k, net result €67k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
31-12
Financial
Back to profitnet €16k
Net result €16k after 2 loss-making years.
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
07-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 251 days late
2019
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
2018
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 122 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 61 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Mettet · 3 establishment units since 2006
Ground area
5,669 m²
Building footprint
204 m²
Volume, LiDAR
1,076 m³
2 parcels, Wallonia · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
3 establishment units
SaveTax Namur
since 20062.203.340.746
SaveTax BW
since 20212.320.944.932
SaveTax Liège
since 20222.346.592.524
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62814C0393/00V002 | Wallonia | 4,768 m² | - | - |
| 92087I0373/00D000 | Wallonia | 901 m² | 1 · 204 m² | 6.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 5,760 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
Founded19-10-1992
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Contact
Website
www.savetax.be
E-mail
info@savetax.be
Phone
+32010397297
Phone
081396396
Phone
+3281396396Mettet
Phone
04/2958131Liège
Scores and ratios are computed by Checked and are not a credit decision.