SAVEYN
ActiveThe computed 12-month bankruptcy probability of SAVEYN is 1.5% (moderate). The 2025 annual accounts show equity of €25k and a net result of €23k. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 76% of 1887 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency97▼-2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 3.38 against 3.2 in 2024; short-term debt: 27.7% and cash: 32.1% of total assets), and 27.7% 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.
−lowers risk+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 25
Relative position
BE, all sectors
reference
Sector 25
higher
← 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
72.3%
Return on assets
67.6%
Age of the figures
9 mo
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 05-06-2026, 56 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
56 d early
2024
175 d early
2023
21 d early
2022
80 d early
2021
31 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€25k▲ 13.5%
2024 · €22k
2021: €20k
2022: €20k
2023: €22k
2024: €22k
2021 → 2025
Total assets
€34k▲ 16.8%
2024 · €29k
2021: €31k
2022: €34k
2023: €31k
2024: €29k
2021 → 2025
Net result
€23k▲ 95.4%
2024 · €12k
2021: €15k
2022: €220
2023: €2k
2024: €12k
2021 → 2025
Working capital
€23k▲ 36.6%
2024 · €17k
2021: €15k
2022: €16k
2023: €19k
2024: €17k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€20k▲ 1.1%€22k▲ 8.9%€22k▲ 0.2%€25k▲ 13.5%
Operating result€24k-€3k▼ 87.2%€4k▲ 20.5%€16k▲ 335%€31k▲ 94.2%
Net result€15k-€220▼ 98.5%€2k▲ 706%€12k▲ 566%€23k▲ 95.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 94% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34k
Fixed assets
€2k▼ 59.3%
Current assets
€32k▲ 33.4%
Equity and liabilities €34k
Equity
€25k▲ 13.5%
Debt
€9k▲ 26.4%
The debt ratio rises from 25.6% to 27.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€32k▲
2024 · €17k
Cash flow
€24k▲
2024 · €13k
Solvency
72.3%▼
2024 · 74.4%
Current ratio
3.38▲
2024 · 3.20
Quick ratio
3.38▲
2024 · 3.20
Debt / equity
0.38▲
2024 · 0.34
ROE
93.6%▲
2024 · 54.3%
ROA
67.6%▲
2024 · 40.4%
Interest coverage
42.94▲
2024 · 17.46
Debt
€9k▲
2024 · €7k
Debt ≤ 1 year
€9k▲
2024 · €7k
Income taxes
€7k▲
2024 · €3k
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€29k€34k▲
Fixed assets21/28€5k€2k▼
Tangible fixed assets22/27€5k€2k▼
Plant, machinery and equipment23€423€102▼
Furniture and vehicles24€5k€2k▼
Current assets29/58€24k€32k▲
Amounts receivable within one year40/41€17k€21k▲
Trade receivables40€13k€21k▲
Other amounts receivable41€4k€0▼
Cash at bank and in hand54/58€7k€11k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€29k€34k▲
Equity10/15€22k€25k▲
Contributions10/11€5k€5k=
Reserves13€15k€15k=
Distributable reserves133€15k€15k=
Profit (loss) carried forward14€2k€5k▲
Amounts payable17/49€7k€9k▲
Amounts payable within one year42/48€7k€9k▲
Trade debts44€3k€6k▲
Suppliers440/4€3k€6k▲
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Other amounts payable47/48€2k€1k▼
Income statement
Code20242025
Non-recurring operating income76A-€9k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-1k
Other operating charges640/8€882€634▼
Gross operating margin9900€18k€31k▲
Operating profit (loss)9901€16k€31k▲
Financial charges65/66B€979€739▼
Recurring financial charges65€979€739▼
Profit (loss) for the period before taxes9903€15k€30k▲
Income taxes67/77€3k€7k▲
Profit (loss) for the period9904€12k€23k▲
Profit (loss) for the period to be appropriated9905€12k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€25k▲
Profit (loss) brought forward from the previous period14P€2k€2k▲
Profit to be distributed694/7€12k€20k▲
Return on contributions (dividend)694€12k€20k▲
The notes to these accounts (16 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €23k ▲95.4%
Operating result €31k, net result €23k, both a record.
06-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €220 ▼98.5%
Net result drops to €220, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Evergem · 1 establishment unit since 2020
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.
Kwadeweg 12E9940 EvergemGround area
5,188 m²
Building footprint
71 m²
Volume, LiDAR
457 m³
Parcel 44302D1233/00S002, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SAVEYN
since 20202.302.684.780
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44302D1233/00S002 | Flanders | 5,188 m² | 1 · 71 m² | 9.6 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 3,463 companies in sector 25530 we hold annual accounts for 1,656. 814 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-04-2020
Fiscal year end31-12
Activities, NACEBEL
25530Machining of metals
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress 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.