Savoir
ActiveSavoir has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €14k and a net result of €-3k. Equity is growing by ~21.4% per year across the filed fiscal years. Its solvency ranks better than 22% of 2281 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
36
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability17▼-12
Solvency44▼-10
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 only on tighter terms
Liquidity tight (current ratio 1.22 against 1.32 in 2023; short-term debt: 80.8% and cash: 0.3% of total assets), and 80.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
Sector 63
lower
← 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 2024Solvency, return and age of the figures
Solvency
19.2%
Return on assets
-4.6%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 2281 sector peers (2024).
NBB · sector comparisonPosition among 2281 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-10-2025, 70 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
70 d late
2023
31 d late
2022
on the day
2021
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€14k▼ 19.5%
2023 · €17k
2021: €-8k
2022: €18k
2023: €17k
2021 → 2024
Total assets
€73k▲ 19.8%
2023 · €61k
2021: €9k
2022: €37k
2023: €61k
2021 → 2024
Net result
€-3k▼ 499%
2023 · €-565
2021: €-10k
2022: €26k
2023: €-565
2021 → 2024
Working capital
€13k▼ 7.7%
2023 · €14k
2021: €-12k
2022: €11k
2023: €14k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€-8k-€18k€17k▼ 3.1%€14k▼ 19.5%
Operating result€-10k-€34k€6k▼ 82.6%€268▼ 95.5%
Net result€-10k-€26k€-565€-3k▼ 499%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 95% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €73k
Fixed assets
€1k▼ 66.4%
Current assets
€72k▲ 25.0%
Equity and liabilities €73k
Equity
€14k▼ 19.5%
Debt
€59k▲ 35.4%
The debt ratio rises from 71.5% to 80.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€3k▼
2023 · €7k
Cash flow
€-1k▼
2023 · €755
Solvency
19.2%▼
2023 · 28.5%
Current ratio
1.22▼
2023 · 1.32
Quick ratio
1.22▼
2023 · 1.32
Debt / equity
4.21▲
2023 · 2.51
ROE
-24.2%▼
2023 · -3.3%
ROA
-4.6%▼
2023 · -0.9%
Interest coverage
0.51▼
2023 · 1.33
Debt
€59k▲
2023 · €44k
Debt ≤ 1 year
€59k▲
2023 · €44k
Income taxes
€120▼
2023 · €2k
Staff costs
€0
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€61k€73k▲
Fixed assets21/28€3k€1k▼
Tangible fixed assets22/27€3k€1k▼
Furniture and vehicles24€3k€1k▼
Financial fixed assets28€0-
Current assets29/58€57k€72k▲
Amounts receivable after more than one year29€31k€70k▲
Other amounts receivable291€31k€70k▲
Amounts receivable within one year40/41€27k€2k▼
Trade receivables40€6k€486▼
Other amounts receivable41€20k€2k▼
Cash at bank and in hand54/58€0€194▲
Equity and liabilities
Total equity and liabilities10/49€61k€73k▲
Equity10/15€17k€14k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€15k€12k▼
Amounts payable17/49€44k€59k▲
Amounts payable within one year42/48€44k€59k▲
Financial debts43€32k€32k▼
Credit institutions430/8€32k€32k▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€11k€8k▼
Taxes450/3€11k€8k▼
Other amounts payable47/48-€17k
Income statement
Code20232024
Remuneration, social security and pensions62-€0
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€6k€511▼
Non-recurring operating charges66A€0€0▼
Gross operating margin9900€13k€3k▼
Operating profit (loss)9901€6k€268▼
Financial income75/76B€936€2k▲
Recurring financial income75€936€2k▲
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€1k€-3k▼
Income taxes67/77€2k€120▼
Profit (loss) for the period9904€-565€-3k▼
Profit (loss) for the period to be appropriated9905€-565€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€12k▼
Profit (loss) brought forward from the previous period14P€16k€15k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
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.
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
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Nachtzwaluwstraat 133940 Hechtel-EkselGround 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
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.
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 3,153 companies in sector 63920 we hold annual accounts for 1,522. 927 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-11-2020
Fiscal year end31-12
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:wendy@savoir.be
E-mail:wendy@savoirbv.be