SavoCo
SavoCo is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €123k and a net result of €37k. Equity is growing by ~37.8% per year across the filed fiscal years. Its solvency ranks better than 68% of 1205 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €123k |
| Net result | €37k |
| Better than sector | 68% |
| Active | 5 yrs |
Strong profile, led by profitability.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
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).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 68.2% | 47.4% | |
| Net result | €37k | €43k | |
| Equity | €123k | €84k | |
| Gross operating margin | €61k | €70k | |
| Total assets | €180k | €211k |
| Fiscal year | 2025 |
|---|---|
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €37k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €11k |
| Dividends | €37k |
| Total assets | €180k |
| Equity | €123k |
| Debt | €57k |
| of which ≤ 1y | €57k |
| of which > 1y | - |
| Working capital | n/a |
| Employees (FTE) | - |
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 68.2% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 20.3% |
| ROE | 29.8% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €180k |
| Fixed assets | 21/28 | €46k |
| Tangible fixed assets | 22/27 | €46k |
| Current assets | 29/58 | €134k |
| Amounts receivable within one year | 40/41 | €2k |
| Investments | 50/53 | €40k |
| Cash & bank | 54/58 | €92k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €180k |
| Equity | 10/15 | €123k |
| Contributions / capital | 10/11 | €5k |
| Reserves | 13 | €118k |
| Amounts payable | 17/49 | €57k |
| Amounts payable within one year | 42/48 | €57k |
| Income statement | ||
| Gross operating margin | 9900 | €61k |
| Operating result | 9901 | €48k |
| Financial charges | 65 | €618 |
| Result before taxes | 9903 | €47k |
| Income taxes | 67/77 | €11k |
| Net result for the period | 9904 | €37k |
| Result to be appropriated | 9905 | €37k |
| NACE primary | Financial services(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 26-02-2021 |
| Status | Active |
| Postal code | 3300 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24594B0294/00X000 | Flanders | 833 m² | 1 · 140 m² | 8.9 m · 2 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
15-10-2024 Marie-Lies Swartenbroek appointed as director
- Marie-Lies Swartenbroek, Bestuurder
Technical details
{
"events": [
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Marie-Lies Swartenbroek",
"address": null,
"birth_date": null,
"profession": null,
"birth_place": null
},
"reason": null,
"subkind": "regular",
"via_org": null,
"statutory": null,
"compensated": false,
"effective_date": "2024-09-17",
"evidence_quote": "Tijdens de bijzondere algemene vergadering gehouden op 17 september 2024, op de maatschappelijke zetel van de vennootschap, werd beslist om mevrouw Marie-Lies Swartenbroek te benoemen als bestuurder voor onbepaalde duur. Mevrouw Swartenbroek aanvaardt dit mandaat.",
"decharge_status": null,
"mandate_duration": {
"kind": "indefinite",
"value": null
},
"rep_rotation_new_rep": null,
"rep_rotation_old_rep": null,
"effective_date_qualifier": null
}
],
"notary": {
"name": null,
"firm_city": null,
"firm_name": null,
"office_city": null,
"is_associated": false
},
"act_meta": {
"language": "mixed",
"pub_date": "2024-10-15",
"filing_date": null,
"act_kind_objet": "Onderwerp akte:"
},
"decisions": [
{
"body": "bijzondere_algemene_vergadering",
"date": "2024-09-17",
"unanimous": true
}
],
"is_correction": false,
"subject_company": {
"kbo": "0764.390.286",
"name_full": "SAVOCO",
"legal_form": "BV"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": "SavoCo BV",
"person_name": "Johan Savonet",
"org_rep_person_name": null,
"person_role_at_subject": "Bestuurder"
},
"co_filed_documents": [
"notulen van de bijzondere algemene vergadering"
],
"corrected_publication_numac": null
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameNL | SavoCo |