Checked.be
Active
BE 0462.500.057Private limited company
SAVINGS & TRADING
Jean de Bolognelaan 36 ·1020 Brussel, Belgium· 28 yrs active
Sector: Business and other management consultancy
(70200)
Conclusion
SAVINGS & TRADING has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.16M and a net result of €-19k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 95% of 8388 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €1.16M |
| Net result | €-19k |
| Better than sector | 95% |
| Active | 28 yrs |
Financial profile
57
/ 100
Mixed profile: strong on solvency, weaker on profitability.
All 5 axes are computed from data Checked has read.
Health
52
Profitability
0
Solvency
100
Growth
32
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1998, 28 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
52
/ 100
Fair
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€60k
estimate, not credit advice
Score history
81
2021
70
2022
52
2023
94
2024
52
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 45.19 (≥ 1.5)
+10
Quick ratio
Quick ratio 45.19 (≥ 1.0)
+5
Leverage
Debt/equity 0.01 (< 1.0)
+10
Profitability
Negatieve ROE -2%
-10
Interest coverage
Interest coverage -86.8× (< 1.5×)
-10
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 09-06-2026 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable
Equity: stable across 5 fiscal years (±1%/year).
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 70, Activities of head offices; management consultancy activities · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 98.6% | 53.1% | |
| Net result | €-19k | €38k | |
| Equity | €1.16M | €354k | |
| Gross operating margin | €13k | €87k | |
| Staff costs | €25k | €79k |
€-17k
-
21-25
€-19k
-
21-25
€4k
-83.9%
21-25
€1.18M
-0.8%
21-25
€1.16M
-1.6%
21-25
€719k
+0.6%
21-25
1
0.0%
21-25
€25k
+5.4%
21-25
€488
+8.0%
21-25
€16k
+126.5%
21-25
€16k
+126.5%
21-25
€12k
-6.3%
21-25
45.19
-55.0%
21-25
45.19
-55.0%
21-25
98.6%
-0.8%
21-25
0.01
+130.1%
21-25
-1.6%
-
21-25
-1.6%
-
21-25
-86.77
-
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema |
| Revenue | - | - | - | - | - |
| EBITDA | €-17k | €8k | €-23k | €16k | €11k |
| Net profit | €-19k | €5k | €-28k | €-8k | €17k |
| Cash flow | €4k | €28k | €-4k | €15k | €46k |
| Staff costs | €25k | €23k | €23k | €20k | €21k |
| Income taxes | - | €488 | €452 | €594 | €458 |
| Dividends | - | - | - | - | - |
| Total assets | €1.18M | €1.19M | €1.18M | €1.22M | €1.24M |
| Equity | €1.16M | €1.18M | €1.17M | €1.20M | €1.21M |
| Debt | €16k | €7k | €6k | €16k | €29k |
| of which ≤ 1y | €16k | €7k | €6k | €4k | €17k |
| of which > 1y | - | - | - | €12k | €13k |
| Working capital | €719k | €715k | €687k | €704k | €689k |
| Employees (FTE) | - | - | 1.0 | 1.0 | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 45.19 | 100.46 | 111.46 | 188.47 | 42.68 |
| Quick ratio | 45.19 | 100.46 | 111.46 | 188.47 | 42.68 |
| Working capital ratio | 61.1% | 60.3% | 58.2% | 57.7% | 55.6% |
| Solvency | 98.6% | 99.4% | 99.5% | 98.7% | 97.6% |
| Debt / equity | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 |
| Long-term debt ratio | - | - | - | 0.01 | 0.01 |
| Interest coverage | -86.77 | 22.62 | -47.53 | 9.30 | 2.49 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | -1.6% | 0.4% | -2.4% | -0.7% | 1.4% |
| ROE | -1.6% | 0.4% | -2.4% | -0.7% | 1.4% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €1.18M | €1.19M | €1.18M | €1.22M | €1.24M |
| Fixed assets | 21/28 | €441k | €464k | €488k | €511k | €534k |
| Tangible fixed assets | 22/27 | €439k | €463k | €486k | €509k | €533k |
| Financial fixed assets | 28 | €2k | €2k | €2k | €2k | €2k |
| Current assets | 29/58 | €736k | €722k | €693k | €707k | €706k |
| Amounts receivable within one year | 40/41 | €734k | €720k | €693k | €701k | €672k |
| Cash & bank | 54/58 | €2k | €2k | €78 | €6k | €32k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.18M | €1.19M | €1.18M | €1.22M | €1.24M |
| Equity | 10/15 | €1.16M | €1.18M | €1.17M | €1.20M | €1.21M |
| Contributions / capital | 10/11 | €20k | €20k | €20k | €20k | €20k |
| Reserves | 13 | €122k | €122k | €113k | €104k | €650k |
| Accumulated profits (losses) | 14 | €490k | €509k | €505k | €532k | €541k |
| Amounts payable | 17/49 | €16k | €7k | €6k | €16k | €29k |
| Amounts payable after one year | 17 | - | - | - | €12k | €13k |
| Amounts payable within one year | 42/48 | €16k | €7k | €6k | €4k | €17k |
| Trade debts payable within one year | 44 | €2k | €3k | €2k | - | - |
| Income statement | ||||||
| Gross operating margin | 9900 | €13k | €36k | €6k | €47k | €41k |
| Operating result | 9901 | €-40k | €-15k | €-47k | €-7k | €-17k |
| Financial income | 75 | €22k | €21k | €20k | €1k | €39k |
| Financial charges | 65 | €194 | €363 | €490 | €2k | €5k |
| Result before taxes | 9903 | €-19k | €5k | €-27k | €-8k | €18k |
| Income taxes | 67/77 | - | €488 | €452 | €594 | €458 |
| Net result for the period | 9904 | €-19k | €5k | €-28k | €-8k | €17k |
| Result to be appropriated | 9905 | €-19k | €5k | €-28k | €-8k | €17k |
Legal Structure
| NACE primary | Business and other management consultancy(70200) |
| Legal form | Private limited company(610) |
| Incorporation | 21-01-1998 |
| Status | Active |
| Postal code | 1020 |
Establishment units
SAVINGS & TRADING
since 19982.088.279.148
Real-estate footprint
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21818E0220/00C002 | Brussels | 221 m² | 1 · 110 m² | 14.5 m · 4 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 24 days late
2024
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-28k
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 1 day late
2022
31-12
Financial
Liquidity quadruplescurrent ratio 188.47
Current ratio from 42.68 to 188.47; short-term debt falls from €17k to €4k.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 18 days late
2020
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
08-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
29-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
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.
Credit advice
Company registry (CBE)
Activities
Business and other management consultancy70200Business consulting70220
Names & trade names
| Legal nameNL | SAVINGS & TRADING |
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