SAVEURS
ActiveSummary
The computed 12-month bankruptcy probability of SAVEURS is 2.0% (moderate). The 2025 annual accounts show equity of €43,400 and a net result of -€1,111. Equity is growing by ~16.8% per year across the filed fiscal years. Its solvency ranks better than 72% of 13617 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability17▼-53
Solvency81▼-6
Growth52=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 2.16 against 2.62 in 2024; short-term debt: 43.8% and cash: 13.3% of total assets), and 43.8% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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
56.2%
Return on assets
-1.4%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 10 filingsDeviation from the deadline
2025
3 d late
2024
on the day
2023
22 d late
2022
211 d late
2021
576 d late
2020
25 d late
2019
61 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 128 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.
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. Usually files around 23 August (4 of the last 5 filed years within 188 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Equity
€43,400▼ 2.5%
2024 · €44,511
Total assets
€77,252▲ 7.9%
2024 · €71,576
Net result
-€1,111
2024 · €4,518
Working capital
€39,193▼ 10.8%
2024 · €43,957
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€7,404▼ 35.7%-€9,165€14,346€2,460▼ 82.8%-€2,452
Net result€8,691within the sector's middle half▼ 32.2%-€7,790within the sector's middle half€14,921within the sector's middle half€4,518within the sector's middle half▼ 69.7%-€1,111within the sector's middle half
Equity€32,861within the sector's middle half▲ 36.0%€25,071within the sector's middle half▼ 23.7%€39,992within the sector's middle half▲ 59.5%€44,511within the sector's middle half▲ 11.3%€43,400within the sector's middle half▼ 2.5%
Total assets€64,301within the sector's middle half▲ 11.8%€63,973within the sector's middle half▼ 0.5%€72,016within the sector's middle half▲ 12.6%€71,576within the sector's middle half▼ 0.6%€77,252within the sector's middle half▲ 7.9%
Debt€31,440▼ 5.7%€38,902▲ 23.7%€32,023▼ 17.7%€27,065▼ 15.5%€33,853▲ 25.1%
Working capital€30,793within the sector's middle half▲ 24.3%€23,526within the sector's middle half▼ 23.6%€38,970within the sector's middle half▲ 65.6%€43,957above the sector's middle half▲ 12.8%€39,193within the sector's middle half▼ 10.8%
Solvency51.1%within the sector's middle half▲ 9.1pp39.2%within the sector's middle half▼ 11.9pp55.5%within the sector's middle half▲ 16.3pp62.2%above the sector's middle half▲ 6.7pp56.2%within the sector's middle half▼ 6.0pp
Current ratio1.98within the sector's middle half▲ 0.181.60within the sector's middle half▼ 0.372.22above the sector's middle half▲ 0.612.62above the sector's middle half▲ 0.412.16within the sector's middle half▼ 0.47
Return on assets (ROA)13.5%within the sector's middle half▼ 8.8pp-12.2%below the sector's middle half▼ 25.7pp20.7%above the sector's middle half▲ 32.9pp6.3%within the sector's middle half▼ 14.4pp-1.4%within the sector's middle half▼ 7.8pp
Staff (FTE)0.5▲ 66.7%0.3▼ 40.0%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2,452 after €2,460 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77,252
Fixed assets
€4,207 ▲ 659%
Current assets
€73,046 ▲ 2.8%
Equity and liabilities €77,252
Equity
€43,400 ▼ 2.5%
Debt
€33,853 ▲ 25.1%
Debt's share of the balance-sheet total rises from 37.8% to 43.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€1,909▼
2024 · €2,929
Cash flow
-€568▼
2024 · €4,987
Quick ratio
1.97▼
2024 · 2.32
Debt to equity
0.78▲
2024 · 0.61
ROE
-2.6%▼
2024 · 10.2%
Interest coverage
-16.03▼
2024 · 5.16
Debt ≤ 1 year
€33,853▲
2024 · €27,065
Staff costs
€243▼
2024 · €267
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,910 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 91% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a small loss
1.1%
went bankrupt
7.8%
stopped otherwise
91%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,910 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €951 | €1,085 | €114 | €267 | €243 | ▼ 8.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €621 | €523 | €523 | €468 | €543 | ▲ 15.9% |
| Other operating charges640/8 | €715 | €2,994 | €2,513 | €2,103 | €2,722 | ▲ 29.5% |
| Gross operating margin9900 | €9,691 | -€4,562 | €17,497 | €5,298 | €1,056 | ▼ 80.1% |
| Operating profit (loss)9901 | €7,404 | -€9,165 | €14,346 | €2,460 | -€2,452 | ▼ 200% |
| Financial income75/76B | €2,951 | €3,524 | €2,473 | €3,004 | €2,754 | ▼ 8.3% |
| Recurring financial income75 | €2,951 | €3,524 | €2,473 | €3,004 | €2,754 | ▼ 8.3% |
| Financial charges65/66B | €1,664 | €2,149 | €1,898 | €946 | €1,413 | ▲ 49.3% |
| Recurring financial charges65 | €964 | €1,192 | €609 | €568 | €119 | ▼ 79.0% |
| Non-recurring financial charges66B | €700 | €958 | €1,289 | €379 | €1,293 | ▲ 241% |
| Profit (loss) for the period before taxes9903 | €8,691 | -€7,790 | €14,921 | €4,518 | -€1,111 | ▼ 125% |
| Profit (loss) for the period9904 | €8,691 | -€7,790 | €14,921 | €4,518 | -€1,111 | ▼ 125% |
| Profit (loss) for the period to be appropriated9905 | €8,691 | -€7,790 | €14,921 | €4,518 | -€1,111 | ▼ 125% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €64,301 | €63,973 | €72,016 | €71,576 | €77,252 | ▲ 7.9% |
| Fixed assets21/28 | €2,069 | €1,546 | €1,022 | €554 | €4,207 | ▲ 659% |
| Tangible fixed assets22/27 | €1,799 | €1,276 | €752 | €284 | €4,207 | ▲ 1,381% |
| Plant, machinery and equipment23 | €868 | €673 | €479 | €284 | €90 | ▼ 68.5% |
| Furniture and vehicles24 | - | - | - | - | €4,117 | - |
| Other tangible fixed assets26 | €931 | €602 | €274 | - | - | - |
| Financial fixed assets28 | €270 | €270 | €270 | €270 | - | - |
| Current assets29/58 | €62,233 | €62,427 | €70,993 | €71,022 | €73,046 | ▲ 2.8% |
| Stocks and contracts in progress3 | €9,548 | €10,175 | €8,653 | €8,165 | €6,213 | ▼ 23.9% |
| Stocks30/36 | €9,548 | €10,175 | €8,653 | €8,165 | €6,213 | ▼ 23.9% |
| Amounts receivable within one year40/41 | €41,596 | €44,872 | €55,794 | €50,902 | €56,246 | ▲ 10.5% |
| Trade receivables40 | €2,452 | €39 | €6,948 | €583 | €4,807 | ▲ 725% |
| Other amounts receivable41 | €39,145 | €44,833 | €48,846 | €50,319 | €51,439 | ▲ 2.2% |
| Cash at bank and in hand54/58 | €10,966 | €7,019 | €6,399 | €9,735 | €10,276 | ▲ 5.6% |
| Deferred charges and accrued income490/1 | €122 | €361 | €147 | €2,220 | €311 | ▼ 86.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €64,301 | €63,973 | €72,016 | €71,576 | €77,252 | ▲ 7.9% |
| Equity10/15 | €32,861 | €25,071 | €39,992 | €44,511 | €43,400 | ▼ 2.5% |
| Contributions10/11 | €14,500 | €14,500 | €14,500 | €14,500 | €14,500 | = |
| Reserves13 | €18,361 | €10,571 | €25,492 | €30,011 | €28,900 | ▼ 3.7% |
| Non-distributable reserves130/1 | €277 | €277 | - | - | - | - |
| Reserves not available under the articles1311 | €277 | €277 | - | - | - | - |
| Distributable reserves133 | €18,085 | €10,294 | €25,492 | €30,011 | €28,900 | ▼ 3.7% |
| Amounts payable17/49 | €31,440 | €38,902 | €32,023 | €27,065 | €33,853 | ▲ 25.1% |
| Amounts payable within one year42/48 | €31,440 | €38,902 | €32,023 | €27,065 | €33,853 | ▲ 25.1% |
| Current portion of amounts payable after more than one year42 | €2,311 | - | - | - | - | - |
| Trade debts44 | €5,468 | €5,189 | €5,662 | €2,677 | €9,015 | ▲ 237% |
| Suppliers440/4 | €5,468 | €5,189 | €5,662 | €2,677 | €9,015 | ▲ 237% |
| Taxes, remuneration and social security45 | €7,661 | €17,712 | €16,361 | €16,819 | €12,837 | ▼ 23.7% |
| Taxes450/3 | €7,624 | €17,636 | €16,361 | €16,819 | €12,837 | ▼ 23.7% |
| Remuneration and social security454/9 | €37 | €76 | - | - | - | - |
| Other amounts payable47/48 | €16,000 | €16,000 | €10,000 | €7,570 | €12,000 | ▲ 58.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,691 | -€7,790 | €14,921 | €4,518 | -€1,111 | ▼ 125% |
| + Depreciation and write-downs630 | €621 | €523 | €523 | €468 | €543 | ▲ 15.9% |
| Operating cash flow (approximation) | €9,312 | -€7,267 | €15,444 | €4,987 | -€568 | ▼ 111% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | -€4,195 | - |
| Change in cash | - | -€3,947 | -€621 | €3,337 | €540 | ▼ 83.8% |
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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
27-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 211 days late
27-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 576 days late
2023
31-12
Financial
Back to profitnet €14,921
Net result €14,921 after one loss-making year.
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Back to profitnet €12,809
Net result €12,809 after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
31-12
Financial
Weakest financial yearnet -€8,672
Net result drops to -€8,672, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Les Bons Villers · 1 establishment unit since 2014
Ground area
176 m²
Building footprint
66 m²
Parcel 52024B0065/00H002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Chaussée de Bruxelles(FLG) 534, 6210 Les Bons Villers
since 20142.236.919.968
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52024B0065/00H002 | Wallonia | 176 m² | 1 · 66 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLes Bons Villers2.236.919.968
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Of 20,509 companies in sector 56111 we hold annual accounts for 11,464. 9,775 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
Founded25-11-2014
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56210Event catering
E-invoicing
Reachable via Peppol
Peppol ID
0208:0505695444
Also
9925:BE0505695444
Registered
12-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.