Savetech
ActiveThe computed 12-month bankruptcy probability of Savetech is 1.6% (moderate). The 2025 annual accounts show equity of €23k and a net result of €-6k. Equity is growing by ~77.5% per year across the filed fiscal years. Its solvency ranks better than 64% of 11297 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-51
Solvency85▲+31
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity ample (current ratio 2.47 against 1.42 in 2024; short-term debt: 40.4% and cash: 0.6% of total assets), and 40.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
59.6%
Return on assets
-17.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
24 d late
2024
132 d late
2023
77 d late
2022
443 d late
2021
24 d late
2020
25 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▼ 22.3%
2024 · €29k
2020: €3k
2021: €5k
2022: €2k
2023: €24k
2024: €29k
2020 → 2025
Total assets
€38k▼ 61.7%
2024 · €99k
2020: €51k
2021: €50k
2022: €55k
2023: €84k
2024: €99k
2020 → 2025
Net result
€-6k
2024 · €5k
2020: €3k
2021: €4k
2022: €-3k
2023: €22k
2024: €5k
2020 → 2025
Working capital
€23k▼ 22.3%
2024 · €29k
2020: €249
2021: €3k
2022: €-519
2023: €21k
2024: €29k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€2k▼ 66.2%€24k▲ 1,245%€29k▲ 23.0%€23k▼ 22.3%
Operating result€7k-€-12k€31k€9k▼ 69.8%€-6k
Net result€4k-€-3k€22k€5k▼ 75.2%€-6k
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 turns negative in 2025: a loss of €6k after €9k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €38k
Equity
€23k▼ 22.3%
Debt
€15k▼ 78.1%
The debt ratio falls from 70.6% to 40.4%. Equity and debt are lower.
Key figures and ratios
Solvency
59.6%▲
2024 · 29.4%
Current ratio
2.47▲
2024 · 1.42
Quick ratio
2.31▲
2024 · 1.38
Debt / equity
0.68▼
2024 · 2.40
ROE
-28.7%▼
2024 · 18.7%
ROA
-17.1%▼
2024 · 5.5%
Debt
€15k▼
2024 · €70k
Debt ≤ 1 year
€15k▼
2024 · €70k
Income taxes
€144▼
2024 · €2k
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€99k€38k▼
Current assets29/58€99k€38k▼
Amounts receivable after more than one year29€7k€6k▼
Other amounts receivable291€7k€6k▼
Stocks and contracts in progress3€3k€3k=
Stocks30/36€3k€3k=
Amounts receivable within one year40/41€75k€28k▼
Trade receivables40€67k€21k▼
Other amounts receivable41€8k€7k▼
Cash at bank and in hand54/58€15k€239▼
Deferred charges and accrued income490/1-€745
Equity and liabilities
Total equity and liabilities10/49€99k€38k▼
Equity10/15€29k€23k▼
Contributions10/11€1€1=
Reserves13€29k€23k▼
Distributable reserves133€29k€23k▼
Amounts payable17/49€70k€15k▼
Amounts payable within one year42/48€70k€15k▼
Financial debts43-€4k
Credit institutions430/8-€4k
Trade debts44€44k€9k▼
Suppliers440/4€44k€9k▼
Taxes, remuneration and social security45€7k€2k▼
Taxes450/3€7k€2k▼
Other amounts payable47/48€20k-
Income statement
Code20242025
Remuneration, social security and pensions62€259-
Other operating charges640/8€19k€897▼
Gross operating margin9900€29k€-5k▼
Operating profit (loss)9901€9k€-6k▼
Financial income75/76B€237€0▼
Recurring financial income75€237€0▼
Financial charges65/66B€2k€383▼
Recurring financial charges65€2k€383▼
Profit (loss) for the period before taxes9903€8k€-6k▼
Income taxes67/77€2k€144▼
Profit (loss) for the period9904€5k€-6k▼
Profit (loss) for the period to be appropriated9905€5k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k-
Profit (loss) brought forward from the previous period14P-€6k
Transfer to equity691/2€5k-
To the legal reserve6920€5k-
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Weakest financial yearnet €-6k ▼219%
Net result drops to €-6k, the lowest in the series.
10-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 132 days late
2024
16-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 77 days late
16-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 443 days late
2023
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 24 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Antwerpen · 1 establishment unit since 2019
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.
Georges De Grooflei 142150 AntwerpenGround area
147 m²
Building footprint
80 m²
Volume, LiDAR
473 m³
Parcel 11007A0023/00F006, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Savetech
since 20192.289.861.380
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11007A0023/00F006 | Flanders | 147 m² | 1 · 80 m² | 7.5 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 540 EUR awarded · 540 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 540 EUR | 540 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 156 companies in sector 46836 we hold annual accounts for 113. 49 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-05-2019
Fiscal year end31-12
Activities, NACEBEL
46836Wholesale trade
46842Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.