SAVVA
ActiveSummary
The computed 12-month bankruptcy probability of SAVVA is 3.3% (moderate). The 2025 annual accounts show equity of €23,978 and a net result of -€673. Equity is growing by about 73% per year across the filed financial years. Its solvency ranks better than 29% of 39,137 sector peers (NACE 70, financial year 2025). The company has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
- Equity
- €23,978
- Loss
- -€673
Why 49raises risk2 changes of registered office in 24 monthsLast filed accounts filed 62 days late; 1 of the last 3 lateLiquidity: current ratio 1.54, cash €3,317lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Show the evidence
Checked score
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 70, micro): better than 30% on solvency, 11% on liquidity, 20% on profitability and 35% on growth.
The bankruptcy probability was computed on 26-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 4 accounts on average 51 days before the deadline; the sector median (NACE 70) for financial year 2024 is 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Registered office · Amendment of the…Registered-office move
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, micro format
2025 annual accounts filed late (62 days) Filed on 1 July 2026, deadline 30 April 2026 (7 months after the close on 30 September 2025, Companies Code art. 3:10). Source: NBB, 2026-00263960.
2022 to 2025, 4 financial years
The operating result falls in 2025; 2025 is 98% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 70, Activities of head offices; management consultancy activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 1,548 companies that looked in July 2024 the way this one looks now, 4.3% went bankrupt within 24 months and 91.3% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a small loss
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 3.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,475 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,548 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,195 | - | €178 | €3,052 | ▲ 17× |
| Other operating charges640/8 | €100 | - | - | €50 | - |
| Gross operating margin9900 | -€11,085 | €6,670 | €29,605 | €3,737 | ▼ 87.4% |
| Operating profit (loss)9901 | -€13,380 | €6,670 | €29,427 | €635 | ▼ 97.8% |
| Financial charges65/66B | €1,183 | €782 | €753 | €1,308 | ▲ 73.7% |
| Recurring financial charges65 | €1,183 | €782 | €753 | €1,308 | ▲ 73.7% |
| Profit (loss) for the period before taxes9903 | -€14,563 | €5,888 | €28,674 | -€673 | - |
| Income taxes67/77 | - | - | €5,348 | - | - |
| Profit (loss) for the period9904 | -€14,563 | €5,888 | €23,326 | -€673 | - |
| Profit (loss) for the period to be appropriated9905 | -€14,563 | €5,888 | €23,326 | -€673 | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €3,626 | €9,273 | €35,604 | €83,581 | ▲ 135% |
| Fixed assets21/28 | - | - | €7,104 | €13,350 | ▲ 87.9% |
| Tangible fixed assets22/27 | - | - | €7,104 | €13,350 | ▲ 87.9% |
| Furniture and vehicles24 | - | - | €1,131 | €877 | ▼ 22.5% |
| Other tangible fixed assets26 | - | - | €5,973 | €12,473 | ▲ 109% |
| Current assets29/58 | €3,626 | €9,273 | €28,500 | €70,232 | ▲ 146% |
| Amounts receivable after more than one year29 | - | - | - | €35,646 | - |
| Other amounts receivable291 | - | - | - | €35,646 | - |
| Stocks and contracts in progress3 | €1,309 | - | - | - | - |
| Stocks30/36 | €1,309 | - | - | - | - |
| Amounts receivable within one year40/41 | €1,785 | €2,541 | €23,504 | €31,269 | ▲ 33.0% |
| Trade receivables40 | €1,785 | €2,541 | €4,677 | €10,848 | ▲ 132% |
| Other amounts receivable41 | - | - | €18,828 | €20,421 | ▲ 8.5% |
| Cash at bank and in hand54/58 | €532 | €6,732 | €4,996 | €3,317 | ▼ 33.6% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €3,626 | €9,273 | €35,604 | €83,581 | ▲ 135% |
| Equity10/15 | -€4,563 | €1,325 | €24,651 | €23,978 | ▼ 2.7% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Profit (loss) carried forward14 | -€14,563 | -€8,675 | €14,651 | €13,978 | ▼ 4.6% |
| Amounts payable17/49 | €8,190 | €7,948 | €10,953 | €59,603 | ▲ 444% |
| Amounts payable after more than one year17 | - | - | - | €14,050 | - |
| Financial debts170/4 | - | - | - | €14,050 | - |
| Amounts payable within one year42/48 | €8,190 | €7,948 | €10,953 | €45,553 | ▲ 316% |
| Current portion of amounts payable after more than one year42 | - | - | - | €3,797 | - |
| Financial debts43 | - | - | - | €7,500 | - |
| Credit institutions430/8 | - | - | - | €7,500 | - |
| Trade debts44 | €2,110 | €1,075 | €325 | €29,946 | ▲ 92× |
| Suppliers440/4 | €2,110 | €1,075 | €325 | €29,946 | ▲ 92× |
| Taxes, remuneration and social security45 | €514 | €1,008 | €10,628 | €4,310 | ▼ 59.4% |
| Taxes450/3 | €514 | €1,008 | €10,628 | €4,310 | ▼ 59.4% |
| Other amounts payable47/48 | €5,565 | €5,865 | - | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€14,563 | €5,888 | €23,326 | -€673 | - |
| + Depreciation and write-downs630 | €2,195 | - | €178 | €3,052 | ▲ 17× |
| Operating cash flow (approximation) | -€12,368 | €5,888 | €23,504 | €2,379 | ▼ 89.9% |
| Investment in fixed assets (approximation) | - | - | - | -€9,298 | - |
| Change in cash | - | €6,200 | -€1,736 | -€1,679 | ▲ 3.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (4)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 30-09-2025 | micro format | 01-07-2026 | 2026-00263960 |
| 30-09-2024 | micro format | 10-01-2025 | 2025-00003278 |
| 30-09-2023 | micro format | 25-01-2024 | 2024-00006693 |
| 30-09-2022 | micro format | 28-02-2023 | 2023-00032858 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Owners and capital
Capital and shareholders
- 16-05-2025 Capital stated in the deed · 100 shares
Group and network
Connections & network
No directors read yet: 2 of 4 Gazette acts processed.
History
Acts, filings and financial milestones
16-05
Gazette deed
Registered office · Amendment of the articlesRegistered-office move3 facts ▸
- General meeting, 30-01-2025
- Registered-office move, Rue du Plagniau 50,1330 Rixensart
- Other provision, “schorsing en voortzetting vergadering, taalwijziging” (deed in Dutch)
About the unread acts
Of the 4 Belgian Official Gazette deeds we know for this company, 2 have been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 27 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
2 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 25091G0018/00R002 | Wallonia | 721 m² | 1 · 98 m² | 8.5 m · 2 |
| 23037B0126/00B003 | Flanders | 232 m² | 1 · 103 m² | 8.3 m · 2 |
How the parcels are linked
Articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région wallonne, sièges administratifs,agences,ateliers,dépôts,succursales” (deed in French)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Article 12. Représentation externe Chaque administrateur - aussi lorsqu'il y en a plusieurs - représente la société vis-à-vis de tiers…”
- Board ruleHow the board is made up, meets and takes decisions.
- “Avec ou sans limitation de durée, personnes physiques ou morales,actionnaires ou non” (deed in French)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Third Friday of March at 10:00