SAVVY
ActiveSAVVY has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €152. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 54% of 1973 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69=
Solvency79▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.96 against 1.8 in 2024; short-term debt: 45.7% and cash: 40.2% of total assets), and 45.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 90
Relative position
BE, all sectors
reference
Sector 90
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-12-2025, 39 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
39 d early
2024
7 d early
2023
6 d early
2022
48 d early
2021
40 d early
2020
45 d early
2019
39 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€45k▲ 0.3%
2024 · €45k
2019: €32k
2020: €31k
2021: €27k
2022: €51k
2023: €52k
2024: €45k
2019 → 2025
Total assets
€83k▼ 7.4%
2024 · €90k
2019: €51k
2020: €59k
2021: €50k
2022: €99k
2023: €87k
2024: €90k
2019 → 2025
Net result
€152
2024 · €-50
2019: €7k
2020: €-952
2021: €-4k
2022: €37k
2023: €1k
2024: €-50
2019 → 2025
Working capital
€37k▲ 5.6%
2024 · €35k
2019: €21k
2020: €15k
2021: €11k
2022: €36k
2023: €37k
2024: €35k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€51k▲ 90.2%€52k▲ 2.2%€45k▼ 13.7%€45k▲ 0.3%
Operating result€-4k-€53k€4k▼ 93.0%€1k▼ 60.9%€5k▲ 242%
Net result€-4k-€37k€1k▼ 97.0%€-50€152
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 242% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€9k▼ 27.7%
Current assets
€75k▼ 4.3%
Equity and liabilities €83k
Equity
€45k▲ 0.3%
Debt
€38k▼ 15.1%
The debt ratio falls from 49.8% to 45.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€8k▲
2024 · €7k
Cash flow
€4k▼
2024 · €5k
Solvency
54.3%▲
2024 · 50.2%
Current ratio
1.96▲
2024 · 1.80
Quick ratio
1.96▲
2024 · 1.80
Debt / equity
0.84▼
2024 · 0.99
ROE
0.3%▲
2024 · -0.1%
ROA
0.2%▲
2024 · -0.1%
Interest coverage
37.80▲
2024 · 14.63
Debt
€38k▼
2024 · €45k
Debt ≤ 1 year
€38k▼
2024 · €43k
Income taxes
€2k▲
2024 · €2k
Staff costs
€63k▲
2024 · €54k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€90k€83k▼
Fixed assets21/28€12k€9k▼
Intangible fixed assets21€1k€3k▲
Tangible fixed assets22/27€9k€4k▼
Land and buildings22€4k-
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28€1k€1k=
Current assets29/58€78k€75k▼
Amounts receivable within one year40/41€33k€39k▲
Trade receivables40€28k€38k▲
Other amounts receivable41€5k€1k▼
Cash at bank and in hand54/58€41k€33k▼
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€90k€83k▼
Equity10/15€45k€45k▲
Contributions10/11€6k€6k=
Reserves13€38k€38k=
Distributable reserves133€38k€38k=
Profit (loss) carried forward14€285€437▲
Amounts payable17/49€45k€38k▼
Amounts payable within one year42/48€43k€38k▼
Trade debts44€6k€11k▲
Suppliers440/4€6k€11k▲
Taxes, remuneration and social security45€20k€19k▼
Taxes450/3€12k€11k▼
Remuneration and social security454/9€9k€9k▼
Other amounts payable47/48€17k€8k▼
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Remuneration, social security and pensions62€54k€63k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€63k€73k▲
Operating profit (loss)9901€1k€5k▲
Financial income75/76B€713€926▲
Recurring financial income75€713€926▲
Financial charges65/66B€472€4k▲
Recurring financial charges65€472€221▼
Non-recurring financial charges66B-€4k
Profit (loss) for the period before taxes9903€2k€2k▲
Income taxes67/77€2k€2k▲
Profit (loss) for the period9904€-50€152▲
Profit (loss) for the period to be appropriated9905€-50€152▲
Appropriation of the result
Profit (loss) to be appropriated9906€285€437▲
Profit (loss) brought forward from the previous period14P€335€285▼
Transfer from equity791/2€7k-
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€7k-
Return on contributions (dividend)694€7k-
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
23-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Back to profitnet €152
Net result €152 after one loss-making year.
24-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
14-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Back to profitnet €37k
Net result €37k after 2 loss-making years.
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
2020
17-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
23-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
15-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
22-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
04-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are 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, Izegem · 1 establishment unit since 2022
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.
Ambachtenstraat 338870 IzegemGround area
6,830 m²
Building footprint
2,390 m²
Volume, LiDAR
33,320 m³
Parcel 36494E1299/00F000, Flanders · tallest building 28.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ambachtenstraat 33, 8870 Izegem
since 20222.340.499.934
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36494E1299/00F000 | Flanders | 6,830 m² | 1 · 2,390 m² | 28.5 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.
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FAÇON JACMIN
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Of 6,657 companies in sector 90111 we hold annual accounts for 382. 306 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-02-2015
Fiscal year end30-06
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
90031Arts creation and performing arts activities
90111Literary creation
73110Advertising agencies
74202Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.