SAVIDENT
ActiveSummary
The computed 12-month bankruptcy probability of SAVIDENT is 1.9% (moderate). The 2025 annual accounts show equity of €140,985 and a net result of €122,385. The figures fluctuate too strongly year-on-year for a reliable trend projection. 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
Profitability39▼-1
Solvency44▲+16
Growth58=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days only on tighter terms
Liquidity short (current ratio 0.22 against 0.17 in 2024; short-term debt: 58% and cash: 3.4% of total assets), and 81.2% 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
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
18.8%
Return on assets
16.3%
Age of the figures
15 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 · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-12-2025, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
46 d early
2023
43 d early
2022
49 d early
2021
41 d early
2020
46 d early
2019
43 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 45 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 16 December (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close30-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€122,385▼ 2.4%
2024 · €125,359
Working capital
-€338,987▲ 18.4%
2024 · -€415,489
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€8,800▼ 98.4%-€5,323▲ 39.5%-€7,413▼ 39.3%-€9,776▼ 31.9%-€11,393▼ 16.5%
Net result€94,903▲ 115%€58,690▼ 38.2%€114,267▲ 94.7%€125,359▲ 9.7%€122,385▼ 2.4%
Equity€301,701▲ 45.9%€290,392▼ 3.7%€304,659▲ 4.9%€18,600▼ 93.9%€140,985▲ 658%
Total assets€737,872▲ 6.8%€748,612▲ 1.5%€773,925▲ 3.4%€738,998▼ 4.5%€749,593▲ 1.4%
Debt€436,171▼ 9.8%€458,221▲ 5.1%€469,266▲ 2.4%€720,398▲ 53.5%€608,608▼ 15.5%
Working capital€47,319▲ 3,410%-€12,924-€47,589▼ 268%-€415,489▼ 773%-€338,987▲ 18.4%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €11,393 in 2025 against €9,776 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €749,593
Fixed assets
€653,767 ▼ 0.1%
Current assets
€95,826 ▲ 13.7%
Equity and liabilities €749,593
Equity
€140,985 ▲ 658%
Debt
€608,608 ▼ 15.5%
Debt's share of the balance-sheet total falls from 97.5% to 81.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
-€10,452▼
2024 · -€8,834
Cash flow
€123,327▼
2024 · €126,301
Current ratio
0.22▲
2024 · 0.17
Debt to equity
4.32▼
2024 · 38.73
ROE
86.8%▼
2024 · 674.0%
ROA
16.3%▼
2024 · 17.0%
Interest coverage
-2.60▼
2024 · -1.87
Debt ≤ 1 year
€434,813▼
2024 · €499,779
Debt > 1 year
€173,795▼
2024 · €220,619
Income taxes
€12,239
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €260 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €942 | €942 | €942 | €942 | €942 | = |
| Other operating charges640/8 | - | €348 | €348 | €453 | €395 | ▼ 12.8% |
| Gross operating margin9900 | -€6,990 | -€4,034 | -€6,123 | -€8,381 | -€10,057 | ▼ 20.0% |
| Operating profit (loss)9901 | -€8,800 | -€5,323 | -€7,413 | -€9,776 | -€11,393 | ▼ 16.5% |
| Financial income75/76B | - | €70,000 | €127,000 | €139,859 | €150,033 | ▲ 7.3% |
| Recurring financial income75 | €110,221 | €70,000 | €127,000 | €139,859 | €150,033 | ▲ 7.3% |
| Financial charges65/66B | - | €5,987 | €5,320 | €4,724 | €4,016 | ▼ 15.0% |
| Recurring financial charges65 | €6,518 | €5,987 | €5,320 | €4,724 | €4,016 | ▼ 15.0% |
| Profit (loss) for the period before taxes9903 | €94,903 | €58,690 | €114,267 | €125,359 | €134,624 | ▲ 7.4% |
| Income taxes67/77 | - | - | - | - | €12,239 | - |
| Profit (loss) for the period9904 | €94,903 | €58,690 | €114,267 | €125,359 | €122,385 | ▼ 2.4% |
| Profit (loss) for the period to be appropriated9905 | €94,903 | €58,690 | €114,267 | €125,359 | €122,385 | ▼ 2.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €737,872 | €748,612 | €773,925 | €738,998 | €749,593 | ▲ 1.4% |
| Fixed assets21/28 | €657,533 | €656,592 | €655,650 | €654,709 | €653,767 | ▼ 0.1% |
| Tangible fixed assets22/27 | €7,533 | €6,592 | €5,650 | €4,709 | €3,767 | ▼ 20.0% |
| Other tangible fixed assets26 | - | €6,592 | €5,650 | €4,709 | €3,767 | ▼ 20.0% |
| Financial fixed assets28 | €650,000 | €650,000 | €650,000 | €650,000 | €650,000 | = |
| Current assets29/58 | €80,339 | €92,021 | €118,275 | €84,289 | €95,826 | ▲ 13.7% |
| Amounts receivable within one year40/41 | €52,663 | €70,000 | €101,515 | €83,448 | €70,000 | ▼ 16.1% |
| Other amounts receivable41 | - | €70,000 | €101,515 | €83,448 | €70,000 | ▼ 16.1% |
| Cash at bank and in hand54/58 | €67 | €242 | €101 | €405 | €25,389 | ▲ 6,165% |
| Deferred charges and accrued income490/1 | - | €21,779 | €16,659 | €436 | €437 | ▲ 0.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €737,872 | €748,612 | €773,925 | €738,998 | €749,593 | ▲ 1.4% |
| Equity10/15 | €301,701 | €290,392 | €304,659 | €18,600 | €140,985 | ▲ 658% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Outside capital11 | - | €18,600 | - | - | - | - |
| Other1109/19 | - | €18,600 | - | - | - | - |
| Reserves13 | €283,101 | €271,792 | €286,059 | €0 | €122,385 | - |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €0 | - | - |
| Distributable reserves133 | - | €269,932 | €284,199 | €0 | €122,385 | - |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | - |
| Amounts payable17/49 | €436,171 | €458,221 | €469,266 | €720,398 | €608,608 | ▼ 15.5% |
| Amounts payable after more than one year17 | €403,151 | €353,276 | €303,402 | €220,619 | €173,795 | ▼ 21.2% |
| Financial debts170/4 | - | €353,276 | €303,402 | €220,619 | €173,795 | ▼ 21.2% |
| Amounts payable within one year42/48 | €33,020 | €104,945 | €165,864 | €499,779 | €434,813 | ▼ 13.0% |
| Current portion of amounts payable after more than one year42 | - | €24,937 | €24,937 | €46,113 | €46,824 | ▲ 1.5% |
| Trade debts44 | €2,870 | €972 | €29,072 | €979 | €391 | ▼ 60.0% |
| Suppliers440/4 | - | €972 | €29,072 | €979 | €391 | ▼ 60.0% |
| Taxes, remuneration and social security45 | - | €21,000 | €30,000 | €62,330 | €12,239 | ▼ 80.4% |
| Taxes450/3 | - | €21,000 | €30,000 | €62,330 | €12,239 | ▼ 80.4% |
| Other amounts payable47/48 | - | €58,036 | €81,855 | €390,357 | €375,359 | ▼ 3.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €94,903 | €58,690 | €114,267 | €125,359 | €122,385 | ▼ 2.4% |
| + Depreciation and write-downs630 | €942 | €942 | €942 | €942 | €942 | = |
| Operating cash flow (approximation) | €95,845 | €59,632 | €115,209 | €126,301 | €123,327 | ▼ 2.4% |
| Investment in fixed assets (approximation) | - | -€1 | -€0 | -€0 | €0 | ▲ 100% |
| Change in cash | - | €175 | -€141 | €304 | €24,983 | ▲ 8,112% |
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
2025
16-12
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
30-06
Financial
Equity above €100,000Eq €140,985 ▲658%
7 profitable years in a row build equity to €140,985.
2024
16-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
30-06
Financial
Highest result since 2019net €125,359 ▲9.7%
Net result €125,359, the highest in the series.
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
13-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
30-06
Financial
Liquidity doublescurrent ratio 2.43
Current ratio from 1.04 to 2.43.
2020
16-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
30-06
Financial
Weakest financial yearnet €44,099 ▼39.3%
Net result drops to €44,099, the lowest in the series; recovery starts the following year.
30-06
Financial
Equity above €200,000Eq €206,798 ▲27.1%
2 profitable years in a row build equity to €206,798.
2019
19-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
2018
12-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
13-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
14-12
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 4 acts read
About the unread acts
We know of 4 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
4 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, Watermaal-Bosvoorde · 1 establishment unit since 2014
Ground area
96 m²
Building footprint
49 m²
Volume, LiDAR
520 m³
Parcel 21652E0200/00V002, Brussels · tallest building 12.6 m, ±4 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Valkerijlaan 21, 1170 Watermaal-Bosvoorde
since 20142.229.674.860
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0200/00V002 | Brussels | 96 m² | 1 · 49 m² | 12.6 m · 4 fl. |
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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 30-06-2025 list no shareholders, and no other source names one.
Holdings 1
-
100%
According to the annual accounts to 30-06-2025 of SAVIDENT and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Identification & contact
Identification
Legal formPrivate limited company
Founded07-04-2014
Fiscal year end30-06
E-invoicing
Reachable via Peppol
Peppol ID
0208:0550420857
Registered
19-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.