Savoir
ActiveSummary
Savoir has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €5k. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 22% of 2279 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability44▲+27
Solvency52▲+8
Growth78=
Track record94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.37 against 1.22 in 2024; short-term debt: 72.7% and cash: 0.3% of total assets), and 72.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Computing infrastructure, data processing, hosting and other information service activities (NACE 63)
about 52% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
27.3%
Return on assets
7.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 2279 sector peers (2024).
NBB · sector comparisonPosition among 2279 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
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. 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 · 5 filingsDeviation from the deadline
2025
55 d late
2024
70 d late
2023
31 d late
2022
on the day
2021
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · 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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▲ 34.8%
2024 · €14k
2021: €-8klowest in 5 years
2022: €18k▲ +329% vs 2021
2023: €17k▼ -3.1% vs 2022
2024: €14k▼ -19.5% vs 2023
2025: €19k▲ +34.8% vs 2024highest in 5 years
2021 → 2025
Total assets
€69k▼ 5.2%
2024 · €73k
2021: €9klowest in 5 years
2022: €37k▲ +311% vs 2021
2023: €61k▲ +65.3% vs 2022
2024: €73k▲ +19.8% vs 2023highest in 5 years
2025: €69k▼ -5.2% vs 2024
2021 → 2025
Net result
€5k
2024 · €-3k
2021: €-10klowest in 5 years
2022: €26k▲ +362% vs 2021highest in 5 years
2023: €-565▼ -102% vs 2022
2024: €-3k▼ -499% vs 2023
2025: €5k▲ +255% vs 2024
2021 → 2025
Working capital
€19k▲ 46.8%
2024 · €13k
2021: €-12klowest in 5 years
2022: €11k▲ +187% vs 2021
2023: €14k▲ +31.7% vs 2022
2024: €13k▼ -7.7% vs 2023
2025: €19k▲ +46.8% vs 2024highest in 5 years
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-8k-€18k€17k▼ 3.1%€14k▼ 19.5%€19k▲ 34.8%
2021: €-8klowest in 5 years
2022: €18k▲ +329% vs 2021
2023: €17k▼ -3.1% vs 2022
2024: €14k▼ -19.5% vs 2023
2025: €19k▲ +34.8% vs 2024highest in 5 years
Operating result€-10k-€34k€6k▼ 82.6%€268▼ 95.5%€12k▲ 4,537%
2021: €-10klowest in 5 years
2022: €34k▲ +451% vs 2021highest in 5 years
2023: €6k▼ -82.6% vs 2022
2024: €268▼ -95.5% vs 2023
2025: €12k▲ +4537% vs 2024
Net result€-10k-€26k€-565€-3k▼ 499%€5k
2021: €-10klowest in 5 years
2022: €26k▲ +362% vs 2021highest in 5 years
2023: €-565▼ -102% vs 2022
2024: €-3k▼ -499% vs 2023
2025: €5k▲ +255% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 4,537% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €69k
Fixed assets
€30 ▼ 97.4%
Current assets
€69k ▼ 3.7%
Equity and liabilities €69k
Equity
€19k ▲ 34.8%
Debt
€50k ▼ 14.7%
Debt's share of the balance-sheet total falls from 80.8% to 72.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€14k▲
2024 · €3k
Cash flow
€6k▲
2024 · €-1k
Current ratio
1.37▲
2024 · 1.22
Debt to equity
2.67▼
2024 · 4.21
ROE
27.9%▲
2024 · -24.2%
ROA
7.6%▲
2024 · -4.6%
Interest coverage
1.90▲
2024 · 0.51
Debt ≤ 1 year
€50k▼
2024 · €59k
Income taxes
€2k▲
2024 · €120
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€73k€69k▼
Fixed assets21/28€1k€30▼
Tangible fixed assets22/27€1k€30▼
Furniture and vehicles24€1k€30▼
Current assets29/58€72k€69k▼
Amounts receivable after more than one year29€70k€67k▼
Other amounts receivable291€70k€67k▼
Amounts receivable within one year40/41€2k€2k▲
Trade receivables40€486€85▼
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€194€194=
Equity and liabilities
Total equity and liabilities10/49€73k€69k▼
Equity10/15€14k€19k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€12k€17k▲
Amounts payable17/49€59k€50k▼
Amounts payable within one year42/48€59k€50k▼
Financial debts43€32k€31k▼
Credit institutions430/8€32k€31k▼
Trade debts44€2k€399▼
Suppliers440/4€2k€399▼
Taxes, remuneration and social security45€8k€7k▼
Taxes450/3€8k€7k▼
Other amounts payable47/48€17k€12k▼
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€511€1k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€3k€15k▲
Operating profit (loss)9901€268€12k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€-3k€7k▲
Income taxes67/77€120€2k▲
Profit (loss) for the period9904€-3k€5k▲
Profit (loss) for the period to be appropriated9905€-3k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€17k▲
Profit (loss) brought forward from the previous period14P€15k€12k▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €0 | - | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €488 | €654 | €1k | €2k | €1k | ▼ 50.8% |
| Other operating charges640/8 | €3k | €1k | €6k | €511 | €1k | ▲ 182% |
| Non-recurring operating charges66A | - | - | €0 | €0 | - | - |
| Gross operating margin9900 | €-6k | €36k | €13k | €3k | €15k | ▲ 386% |
| Operating profit (loss)9901 | €-10k | €34k | €6k | €268 | €12k | ▲ 4,537% |
| Financial income75/76B | €8 | €64 | €936 | €2k | €2k | ▲ 38.3% |
| Recurring financial income75 | €8 | €64 | €936 | €2k | €2k | ▲ 38.3% |
| Financial charges65/66B | €96 | €1k | €5k | €5k | €7k | ▲ 41.5% |
| Recurring financial charges65 | €96 | €1k | €5k | €5k | €7k | ▲ 41.5% |
| Profit (loss) for the period before taxes9903 | €-10k | €33k | €1k | €-3k | €7k | ▲ 326% |
| Income taxes67/77 | - | €7k | €2k | €120 | €2k | ▲ 1,674% |
| Profit (loss) for the period9904 | €-10k | €26k | €-565 | €-3k | €5k | ▲ 255% |
| Profit (loss) for the period to be appropriated9905 | €-10k | €26k | €-565 | €-3k | €5k | ▲ 255% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €9k | €37k | €61k | €73k | €69k | ▼ 5.2% |
| Fixed assets21/28 | €4k | €7k | €3k | €1k | €30 | ▼ 97.4% |
| Tangible fixed assets22/27 | €4k | €5k | €3k | €1k | €30 | ▼ 97.4% |
| Furniture and vehicles24 | €4k | €5k | €3k | €1k | €30 | ▼ 97.4% |
| Financial fixed assets28 | - | €3k | €0 | - | - | - |
| Current assets29/58 | €5k | €29k | €57k | €72k | €69k | ▼ 3.7% |
| Amounts receivable after more than one year29 | - | - | €31k | €70k | €67k | ▼ 4.1% |
| Other amounts receivable291 | - | - | €31k | €70k | €67k | ▼ 4.1% |
| Amounts receivable within one year40/41 | - | €29k | €27k | €2k | €2k | ▲ 6.9% |
| Trade receivables40 | - | €7k | €6k | €486 | €85 | ▼ 82.6% |
| Other amounts receivable41 | - | €22k | €20k | €2k | €2k | ▲ 35.8% |
| Cash at bank and in hand54/58 | €5k | €684 | €0 | €194 | €194 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €9k | €37k | €61k | €73k | €69k | ▼ 5.2% |
| Equity10/15 | €-8k | €18k | €17k | €14k | €19k | ▲ 34.8% |
| Contributions10/11 | €2k | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €-10k | €16k | €15k | €12k | €17k | ▲ 40.6% |
| Amounts payable17/49 | €17k | €19k | €44k | €59k | €50k | ▼ 14.7% |
| Amounts payable within one year42/48 | €17k | €19k | €44k | €59k | €50k | ▼ 14.7% |
| Financial debts43 | - | - | €32k | €32k | €31k | ▼ 0.5% |
| Credit institutions430/8 | - | - | €32k | €32k | €31k | ▼ 0.5% |
| Trade debts44 | €9k | €1k | €1k | €2k | €399 | ▼ 79.6% |
| Suppliers440/4 | €9k | €1k | €1k | €2k | €399 | ▼ 79.6% |
| Taxes, remuneration and social security45 | €6k | €17k | €11k | €8k | €7k | ▼ 20.1% |
| Taxes450/3 | €6k | €17k | €11k | €8k | €7k | ▼ 20.1% |
| Other amounts payable47/48 | €2k | €0 | - | €17k | €12k | ▼ 31.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-10k | €26k | €-565 | €-3k | €5k | ▲ 255% |
| + Depreciation and write-downs630 | €488 | €654 | €1k | €2k | €1k | ▼ 50.8% |
| Operating cash flow (approximation) | €-9k | €26k | €755 | €-1k | €6k | ▲ 694% |
| Investment in fixed assets (approximation) | - | €-4k | €3k | €0 | €0 | - |
| Change in cash | - | €-4k | €-684 | €194 | €0 | ▼ 100% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 55 days late
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 70 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
31-12
Financial
Liquidity times 6current ratio 1.56
Current ratio from 0.28 to 1.56.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Hechtel-Eksel · 1 establishment unit since 2020
Ground area
412 m²
Building footprint
104 m²
Volume, LiDAR
547 m³
Parcel 72013A0292/00G000, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Savoir
since 20202.310.326.303
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72013A0292/00G000 | Flanders | 412 m² | 1 · 104 m² | 6.6 m · 2 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 89 EUR awarded · 89 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 89 EUR | 89 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,152 companies in sector 63920 we hold annual accounts for 1,525. 929 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
Founded10-11-2020
Fiscal year end31-12
Activities, NACEBEL 2025
63920Other information service activities
82300Organisation of conventions and trade shows
Contact
E-mail
wendy@savoir.be
E-mail
wendy@savoirbv.beHechtel-Eksel
Scores and ratios are computed by Checked and are not a credit decision.