Savim

Active

Public limited companyfounded 198441 yrs activeRue du Fourneau 11, 4900 Spa, BelgiumKBO/BCE: BE 0427.810.679

Summary

Savim has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €327,478 and a net result of €18,677. Equity remains stable across the filed fiscal years (±2% per year). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch Report Compare

SavimActiveChecked score 95/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€394,455total assets 2025

Equity: €327,478
Profit: €18,677

Turnover not published (abridged schema)

Financial health

95 Excellent Checked score 2025

Bankruptcy chance 12 m: < 0.1%

Structure

Board: 2 members

Accounts filed 12 d late1 of 13 deeds read

Why 95- Latest accounts 12 days late; 1 of the last 3 late+ Size: total assets €394,455+ Equity €327,478 (83.0% of total assets)+ Liquidity: current ratio 1.85, cash €118,019Show the evidence

Checked score

Score 2025

95 / 100

Excellent

Probability in this band: under 0.55%

Better than 61% of its sector peers (no NACE code, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 83.0% of total assets

Liquidity 83+3

short-term debt 16.6% · cash 29.9%

Profitability 75-2

return on assets 4.7%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 12 months 11-2025: < 0.1% 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%▼ -2.0% vs 12-2025lowest value 02-2026: < 0.1%● 0.0% vs 01-2026lowest value 03-2026: < 0.1%● 0.0% vs 02-2026lowest value 04-2026: < 0.1%● 0.0% vs 03-2026lowest value 05-2026: < 0.1%● 0.0% vs 04-2026lowest value 06-2026: < 0.1%▲ +4.2% vs 05-2026 07-2026: 0.1%▲ +12.0% vs 06-2026 08-2026: 0.1%▲ +121% vs 07-2026highest value 09-2026: < 0.1%▼ -61.3% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value

Size: total assets €394,455 lowers the probability for this profile
Equity €327,478 (83.0% of total assets) lowers the probability
Liquidity: current ratio 1.85, cash €118,019 lowers the probability
Latest accounts 12 days late; 1 of the last 3 late raises the probability

Credit up to €30,000 at 30 days acceptable

Liquidity ample (current ratio 1.85 against 2.08 in 2024; short-term debt: 16.6% and cash: 29.9% of total assets), and 17% of the assets are financed with debt.

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 (no NACE code, micro). Better than this share of them on solvency 81%, liquidity 75%, profitability 57%, growth against the median 29%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Size: total assets €394,455

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Equity €327,478 (83.0% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Liquidity: current ratio 1.85, cash €118,019

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts 12 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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 filings

Deviation from the deadline

2025

12 d late

2024

21 d early

2023

48 d late

2022

32 d early

2021

32 d early

2020

24 d early

2019

68 d late

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 7 accounts on average 3 days after 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)

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 10 July (4 of the last 5 filed years within 33 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

17-08-26 Appointments: SAVOYE Hélène Lutgarde Marie Robert…Resignations: SAVOYE Hélène Lutgarde Marie…
12-08-26 Annual accounts filedfiscal year 2025 · abbreviated…
10-07-25 Annual accounts filedfiscal year 2024 · micro…