Turnover
≈ €110,000 estimated
The micro format states no turnover.
Savoir
Lifetime
5 annual accounts with figures on one time axispeak €35,927 (2022)
€15,003▲ 386%
lowest -€9,830 (2021)
€5,256▲ €8,640
peak €18,857 (2025)
€18,857▲ 34.8%
€50,267▼ 14.7%
Board1 name since 2020
1 directorSTIPPELMANS Wendy Marie Jeanne
Documentsfilings and deeds
24-09-202655 days late
2025micro format
Gross margin from €3,086 to €15,003Back to profit: €5,256Equity from €13,993 to €18,857
Key points
from the 2025 annual accountsChecked score
63
Healthy
Financially stronger than 34% of micro companies in computing infrastructure and information services (NACE 63)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.5% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 2,947 companies (NACE 63, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.1%lowest value
01-2025: 1.1%● unchanged vs 12-2024lowest value
02-2025: 1.1%● unchanged vs 01-2025lowest value
03-2025: 1.2%▲ +0.1 percentage points vs 02-2025
04-2025: 1.2%● unchanged vs 03-2025
05-2025: 1.2%● unchanged vs 04-2025
06-2025: 1.2%● unchanged vs 05-2025
07-2025: 1.2%● unchanged vs 06-2025
08-2025: 1.8%▲ +0.6 percentage points vs 07-2025
09-2025: 2.2%▲ +0.4 percentage points vs 08-2025
10-2025: 3.3%▲ +1.1 percentage points vs 09-2025highest value
11-2025: 1.7%▼ -1.6 percentage points vs 10-2025
12-2025: 1.7%● unchanged vs 11-2025
01-2026: 1.7%● unchanged vs 12-2025
02-2026: 1.8%▲ +0.1 percentage points vs 01-2026
03-2026: 1.8%● unchanged vs 02-2026
04-2026: 1.8%● unchanged vs 03-2026
05-2026: 1.8%● unchanged vs 04-2026
06-2026: 1.7%▼ -0.1 percentage points vs 05-2026
07-2026: 1.7%● unchanged vs 06-2026
08-2026: 2.4%▲ +0.7 percentage points vs 07-2026
09-2026: 2.8%▲ +0.4 percentage points vs 08-2026
10-2026: 1.5%▼ -1.3 percentage points vs 09-2026
11-2026: 1.5%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Last filed accounts filed 55 days late; 3 of the last 3 accounts late
Liquidity: current ratio 1.37, cash €194
Size: total assets €69,124
lowers risk
Sector: Computing infrastructure, data processing, hosting and other information service activities (NACE 63)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 63, micro). It does better than 30% of them on solvency, 6% on liquidity, 25% on profitability and 74% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,713 companies had the same profile as Savoir has now. Each dot stands for 17 companies, two years later.
95.8%
were still trading
2.2%
stopped another way
1.8%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Savoir itself: 1.5% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,713 companies, not a prediction for Savoir. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.37 (1.22 in 2024), below the usual 1.5. Short-term debt is 72.7% and cash 0.3% of total assets. 72.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 55 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-09-2026, 55 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filingsDeviation from the deadline
2025
55 days late
2024
70 days late
2023
31 days late
2022
on the day
2021
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 37 days after the deadline. In the sector (NACE 63), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 September (4 of the last 5 accounts filed within 32 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0757963938
Incorporation
Founding capital of €2,000, 100 shares · Founder: STIPPELMANS Wendy Marie Jeanne · Appointment: STIPPELMANS Wendy Marie Jeanne (director) · published on 13-11-2020 · Gazette deed
First establishment
Nachtzwaluwstraat 13, Hechtel-Eksel
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Savoir Hechtel-Eksel | €69,124 | €15,003 | 27.3% | - |
| KASART Sint-Truiden | €75,513 | €13,267 | 81.3% | - |
| Atelier 22 Brasschaat | €62,544 | €13,117 | -11.1% | - |
| CavinsCo Herent | €64,864 | €18,868 | 25.1% | - |
| Neuro-Pain Consulting Waasmunster | €64,104 | €17,735 | 90.3% | - |
| MediaLap Chaumont-Gistoux | €54,677 | €17,637 | 20.2% | - |
| BC Consultancy Geel | €95,497 | €15,728 | 92.3% | - |
These companies have the same main activity as Savoir: other information service activities (NACE 63920). They are comparable in size and age: total assets between €54,700 and €95,500, founded between 2020 and 2021.
Official details
Source: KBO- Status
- Active since 10-11-2020Normal situation
- Activity
- Other information service activitiesNACE 63920and 1 other
- Establishment unit
- 2.310.326.3033940 Hechtel-Eksel, since 10-11-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 28-05-2025
Insights on Savoir
Savoir files the micro format. That format states no turnover. The gross margin rose from -€6,332 in 2021 to €15,003 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Savoir
- What is the company number of Savoir?
- The company number of Savoir is 0757.963.938. The VAT number is the same number with BE in front: BE 0757.963.938.
- Where is Savoir based?
- The registered office is at Nachtzwaluwstraat 13, 3940 Hechtel-Eksel.Company details
- What does Savoir do?
- According to the KBO register, the main activity is other information service activities (NACE 63920).
- What is the legal form of Savoir?
- Savoir is a private limited company (BV).
- When was Savoir founded?
- Savoir was founded on 10-11-2020.
- Is Savoir still active?
- Yes, Savoir is an active enterprise in the KBO register.
- What is the turnover of Savoir?
- The turnover in financial year 2025 is ≈ €110,000. This figure is estimated from the gross margin of €15,003 and 6,297 comparable companies of the same size. It probably lies between €52,000 and €270,000. It is a rough estimate.Financials
- Is Savoir profitable?
- In financial year 2025, Savoir made a profit of €5,256.
- Where can I find the annual accounts of Savoir?
- Savoir filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Savoir due?
- Savoir must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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