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Savings

Active Risk: not assessed
Private limited companyfounded 20233 yrs activeTheo Coertjenslaan 7, 2960 Brecht, BelgiumKBO/BCE: BE 0804.972.712
Summary

Savings is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €15,348 and a net result of €1,970. Its solvency ranks better than 85% of 127 sector peers (fiscal year 2026). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals

1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 27-07-2026, 188 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2026
188 d early
2025
2 d early
← before the deadline after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2027 and is due by 31-01-2028. Nothing is late today.
Companies Code · seven months
Position in the running window
29-09-2026 today30-06-2027 close31-01-2028 deadline
neutral · 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

History

On 22 August 2023, Savings was incorporated as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2026.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2026

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Financials · fiscal year 2026, abbreviated schema

Equity
€15,348▲ 14.7%
2025 · €13,377
Net result
€1,970▼ 41.7%
2025 · €3,377
Total assets
€16,331▼ 0.7%
2025 · €16,447
Solvency
94.0%▲ 12.6pp
2025 · 81.3%
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20252026
Operating result€4,492-€2,651▼ 41.0%
Net result€3,377below the sector's middle half-€1,970▼ 41.7%
Equity€13,377below the sector's middle half-€15,348▲ 14.7%
Total assets€16,447below the sector's middle half-€16,331▼ 0.7%
Debt€3,070-€984▼ 68.0%
Working capital-€998within the sector's middle half--€857▲ 14.1%
Solvency81.3%above the sector's middle half-94.0%▲ 12.6pp
Current ratio0.68within the sector's middle half-0.13▼ 0.55
Return on assets (ROA)20.5%above the sector's middle half-12.1%▼ 8.5pp
above within below the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
€0€2,000€4,000Operating result 2025: €4,492€4,492Net result 2025: €3,377€3,377Operating result 2026: €2,651€2,651Net result 2026: €1,970€1,97020252026€0€2,000€4,000Operating result 2025: €4,492€4,490Net result 2025: €3,377€3,380Operating result 2026: €2,651€2,650Net result 2026: €1,970€1,97020252026
The operating result falls in 2026; 2026 is 41% below 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €16,331
Fixed assets €16,205 ▲ 12.7%
Current assets €126 ▼ 93.9%
Equity and liabilities €16,331
Equity €15,348 ▲ 14.7%
Debt €984 ▼ 68.0%
Debt's share of the balance-sheet total falls from 18.7% to 6.0%. Equity is higher and debt is lower.
Key figures and ratios
2026 value · change against 2025
ROE
12.8%▼
2025 · 25.2%
Debt ≤ 1 year
€984▼
2025 · €3,070
Income taxes
€657▼
2025 · €1,126
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2026 against 2025 · 33 lines
Balance sheet Code20252026
Assets
Total assets20/58€16,447€16,331▼
Fixed assets21/28€14,375€16,205▲
Financial fixed assets28€14,375€16,205▲
Current assets29/58€2,072€126▼
Amounts receivable within one year40/41€1,515€0▼
Trade receivables40€1,515€0▼
Cash at bank and in hand54/58€557€126▼
Equity and liabilities
Total equity and liabilities10/49€16,447€16,331▼
Equity10/15€13,377€15,348▲
Contributions10/11€10,000€10,000=
Reserves13€3,377€5,348▲
Distributable reserves133€3,377€5,348▲
Amounts payable17/49€3,070€984▼
Amounts payable within one year42/48€3,070€984▼
Trade debts44€286€307▲
Suppliers440/4€286€307▲
Taxes, remuneration and social security45€1,371€677▼
Taxes450/3€1,371€677▼
Other amounts payable47/48€1,414€0▼
Income statement Code20252026
Other operating charges640/8€1,432€614▼
Gross operating margin9900€5,923€3,265▼
Operating profit (loss)9901€4,492€2,651▼
Financial income75/76B€41€7▼
Recurring financial income75€41€7▼
Financial charges65/66B€30€30=
Recurring financial charges65€30€30=
Profit (loss) for the period before taxes9903€4,503€2,627▼
Income taxes67/77€1,126€657▼
Profit (loss) for the period9904€3,377€1,970▼
Profit (loss) for the period to be appropriated9905€3,377€1,970▼
Appropriation of the result
Profit (loss) to be appropriated9906€3,377€1,970▼
Transfer to equity691/2€3,377€1,970▼
To other reserves6921€3,377€1,970▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20252026Change
Other operating charges640/8€1,432€614▼ 57.1%
Gross operating margin9900€5,923€3,265▼ 44.9%
Operating profit (loss)9901€4,492€2,651▼ 41.0%
Financial income75/76B€41€7▼ 84.0%
Recurring financial income75€41€7▼ 84.0%
Financial charges65/66B€30€30=
Recurring financial charges65€30€30=
Profit (loss) for the period before taxes9903€4,503€2,627▼ 41.7%
Income taxes67/77€1,126€657▼ 41.7%
Profit (loss) for the period9904€3,377€1,970▼ 41.7%
Profit (loss) for the period to be appropriated9905€3,377€1,970▼ 41.7%
Line20252026Change
Assets
Total assets20/58€16,447€16,331▼ 0.7%
Fixed assets21/28€14,375€16,205▲ 12.7%
Financial fixed assets28€14,375€16,205▲ 12.7%
Current assets29/58€2,072€126▼ 93.9%
Amounts receivable within one year40/41€1,515€0▼ 100%
Trade receivables40€1,515€0▼ 100%
Cash at bank and in hand54/58€557€126▼ 77.3%
Equity and liabilities
Total equity and liabilities10/49€16,447€16,331▼ 0.7%
Equity10/15€13,377€15,348▲ 14.7%
Contributions10/11€10,000€10,000=
Reserves13€3,377€5,348▲ 58.3%
Distributable reserves133€3,377€5,348▲ 58.3%
Amounts payable17/49€3,070€984▼ 68.0%
Amounts payable within one year42/48€3,070€984▼ 68.0%
Trade debts44€286€307▲ 7.4%
Suppliers440/4€286€307▲ 7.4%
Taxes, remuneration and social security45€1,371€677▼ 50.6%
Taxes450/3€1,371€677▼ 50.6%
Other amounts payable47/48€1,414€0▼ 100%
Line20252026Change
Profit (loss) for the period9904€3,377€1,970▼ 41.7%
Operating cash flow (approximation)€3,377€1,970▼ 41.7%
Investment in fixed assets (approximation)--€1,830-
Change in cash--€431-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2027, expected by 31-01-2028
2026
27-07
NBB filing Annual accounts filed
fiscal year 2026 · abbreviated schema
29-01
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Brecht · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
2,876 m²
Parcel 11043D0922/00B000, Flanders. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
Savings
Theo Coertjenslaan 7, 2960 BrechtFinancial service activities, except insurance and pension funding
since 20232.348.749.189
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11043D0922/00B000 Flanders 2,876 m² - -
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 holding

Owners 0

The accounts to 30-06-2026 list no shareholders, and no other source names one.

Holdings 1

According to the annual accounts to 30-06-2026 of Savings 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.

Similar companies · same sector, comparable size

Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 6,470 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded22-08-2023
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID 0208:0804972712
Also 9925:BE0804972712
Registered 19-12-2024

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.