Financials
- Fiscal year
- 2025
- Total assets
- €700,815
- Profit
- €244,293
- Solvency
- -53.0%
Total assets▲ 2.8%
Net result
20182025
SAVICS
ActiveSummary
SAVICS has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€371,538) and a net result of €244,293. Equity is shrinking by ~49.3% per year across the filed fiscal years. Its solvency ranks better than 5% of 20854 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Activity
Computer programming
NACE 62100NACE 62010
1 site
Size
€700,815total assets 2025
- Equity
- -€371,538
- Profit
- €244,293
Structure
Auditor: Baker Tilly BedrijfsrevisorenAccounts filed 31 d late1 of 7 deeds read
Why 55Capped at 59: negative equity- Latest accounts 31 days late; 2 of the last 3 late- Negative equity -€371,538+ Size: total assets €700,815+ Sector Computer programming, consultancy and related activities (NACE 62)Show the evidence
Checked score
Score 2025
55
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 48% of its sector peers (NACE 62, micro)
Performance against the sector, not lower risk
Negative equity caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency
0=
equity -53.0% of total assets
Liquidity
46+43
short-term debt 25.1% · cash 4.3%
Profitability
100+98
return on assets 34.9%
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 6.3%
12-2024: 6.5%▲ +2.3% vs 11-2024
01-2025: 7.7%▲ +18.9% vs 12-2024highest value
02-2025: 2.5%▼ -67.7% vs 01-2025
03-2025: 2.5%▼ -1.1% vs 02-2025
04-2025: 2.5%● 0.0% vs 03-2025
05-2025: 2.6%▲ +4.8% vs 04-2025
06-2025: 2.7%▲ +4.0% vs 05-2025
07-2025: 2.7%▲ +2.6% vs 06-2025
08-2025: 3.2%▲ +16.0% vs 07-2025
09-2025: 3.6%▲ +12.9% vs 08-2025
10-2025: 1.7%▼ -52.8% vs 09-2025
11-2025: 1.7%● 0.0% vs 10-2025
12-2025: 1.7%● 0.0% vs 11-2025
01-2026: 1.7%● 0.0% vs 12-2025
02-2026: 1.7%● 0.0% vs 01-2026
03-2026: 1.6%▼ -4.3% vs 02-2026
04-2026: 1.6%▼ -1.6% vs 03-2026
05-2026: 1.5%▼ -3.9% vs 04-2026
06-2026: 1.5%▼ -0.7% vs 05-2026
07-2026: 1.5%▼ -0.9% vs 06-2026
08-2026: 1.8%▲ +18.4% vs 07-2026
09-2026: 0.3%▼ -81.2% vs 08-2026lowest value
10-2026: 0.3%● 0.0% vs 09-2026lowest value
- Size: total assets €700,815 lowers the probability for this profile
- Latest accounts 31 days late; 2 of the last 3 late raises the probability
- Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability
- Negative equity -€371,538 raises the probability
No credit on open account
Liquidity tight (current ratio 1.45 against 0.34 in 2024; short-term debt: 25.1% and cash: 4.3% of total assets), and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 62, micro). Better than this share of them on solvency 3%, liquidity 21%, profitability 82%, growth against the median 87%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 20854 sector peers (2025).
NBB · sector comparisonPosition among 20854 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
170 d late
2022
179 d late
2021
61 d late
2020
185 d late
2019
32 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 98 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% 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 30 September (4 of the last 5 filed years within 110 days of that day).
Companies Code · seven monthsPosition in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Appointment: Baker Tilly Bedrijfsrevisoren BV (statutory…State Gazette act
- Back to profitnet €244,293
Key points
By topic
Board & ownership
- Auditor
- Baker Tilly Bedrijfsrevisoren
Timeline
- Events
- 15
- Since
- 2018
- Next accounts
- by 31-07-2027
- 31-08-2026Annual accounts filed
- 16-04-2026Appointment: Baker Tilly Bedrijfsrevisoren BV (statutory auditor)
- 31-12-2025Back to profit
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Computer programmingNACE 62100
- Founded
- 01-03-2016
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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