SAVIKO INVEST
ActiveSummary
SAVIKO INVEST has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38k and a net result of €2k. Equity remains stable across the filed fiscal years (±0.9% per year). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability45▼-3
Solvency99▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 4.57 against 4.81 in 2024; short-term debt: 21.9% and cash: 0.1% of total assets), and 26.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
73.7%
Return on assets
3.1%
Age of the figures
15 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €38k
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 25-01-2026, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
6 d early
2024
6 d late
2023
372 d late
2022
509 d late
2021
4 d early
2020
29 d late
2019
353 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€38k▲ 4.4%
2024 · €36k
2019: €65k
2020: €36k
2021: €31k
2022: €32k
2023: €34k
2024: €36k
2019 → 2025
Total assets
€51k▲ 5.6%
2024 · €49k
2019: €125k
2020: €102k
2021: €41k
2022: €44k
2023: €46k
2024: €49k
2019 → 2025
Net result
€2k▼ 24.9%
2024 · €2k
2019: €22k
2020: €-28k
2021: €-6k
2022: €2k
2023: €2k
2024: €2k
2019 → 2025
Working capital
€40k▲ 4.1%
2024 · €39k
2019: €67k
2020: €40k
2021: €33k
2022: €35k
2023: €36k
2024: €39k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€32k▲ 6.0%€34k▲ 5.3%€36k▲ 6.2%€38k▲ 4.4%
Operating result€-5k-€-358▲ 93.2%€-591
Net result€-6k-€2k€2k▼ 7.0%€2k▲ 23.4%€2k▼ 24.9%
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 is €-591 in 2025, compared with €-358 in 2022. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €51k
Equity
€38k ▲ 4.4%
Debt
€14k ▲ 9.0%
Debt's share of the balance-sheet total rises from 25.5% to 26.3%. Equity and debt are higher.
Key figures and ratios
Current ratio
4.57▼
2024 · 4.81
Debt to equity
0.36▲
2024 · 0.34
ROE
4.2%▼
2024 · 5.8%
ROA
3.1%▼
2024 · 4.3%
Debt ≤ 1 year
€11k▲
2024 · €10k
Income taxes
€530▼
2024 · €706
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 30 lines
Balance sheet
Code20242025
Assets
Total assets20/58€49k€51k▲
Current assets29/58€49k€51k▲
Amounts receivable within one year40/41€49k€51k▲
Other amounts receivable41€49k€51k▲
Cash at bank and in hand54/58€29€29=
Equity and liabilities
Total equity and liabilities10/49€49k€51k▲
Equity10/15€36k€38k▲
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€14k€16k▲
Amounts payable17/49€12k€14k▲
Amounts payable within one year42/48€10k€11k▲
Trade debts44€358€358=
Suppliers440/4€358€358=
Taxes, remuneration and social security45€9k€10k▲
Taxes450/3€9k€10k▲
Other amounts payable47/48€450€1k▲
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Other operating charges640/8-€591
Operating profit (loss)9901-€-591
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Profit (loss) for the period before taxes9903€3k€2k▼
Income taxes67/77€706€530▼
Profit (loss) for the period9904€2k€2k▼
Profit (loss) for the period to be appropriated9905€2k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€16k▲
Profit (loss) brought forward from the previous period14P€12k€14k▲
The notes to these accounts (1 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
25-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
06-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 372 days late
2024
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 509 days late
2022
30-06
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Liquidity triplescurrent ratio 5.23
Current ratio from 1.65 to 5.23; short-term debt falls from €61k to €8k.
01-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 29 days late
18-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 353 days late
2020
30-06
Financial
Weakest financial yearnet €-28k ▼228%
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 125 days late
02-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 456 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Sint-Niklaas · 1 establishment unit since 2012
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.
Elzenstraat 249112 Sint-NiklaasGround area
477 m²
Building footprint
114 m²
Volume, LiDAR
813 m³
Parcel 46019B1270/00X002, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Saviko Invest
since 20122.211.297.419
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46019B1270/00X002 | Flanders | 477 m² | 1 · 114 m² | 10.7 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-07-2012
Fiscal year end30-06
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.