Savvy Consult
ActiveSummary
Savvy Consult has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €73k and a net result of €28k. Equity is growing by ~41.2% per year across the filed fiscal years. Its solvency ranks better than 69% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+12
Solvency90▼-10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 5.31 against 6.73 in 2024; short-term debt: 12.5% and cash: 65.3% of total assets), and 34.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
65.3%
Return on assets
25%
Age of the figures
9 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
4 d early
2024
41 d early
2023
33 d early
2022
6 d early
2021
2 d early
2020
23 d late
2019
45 d early
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€73k▲ 62.1%
2024 · €45k
2018: €11k
2019: €7k
2020: €8k
2021: €22k
2022: €20k
2023: €27k
2024: €45k
2018 → 2025
Total assets
€112k▲ 112%
2024 · €53k
2018: €12k
2019: €7k
2020: €12k
2021: €32k
2022: €26k
2023: €30k
2024: €53k
2018 → 2025
Net result
€28k▲ 249%
2024 · €8k
2018: €5k
2019: €-4k
2020: €1k
2021: €14k
2022: €-2k
2023: €7k
2024: €8k
2018 → 2025
Working capital
€60k▲ 34.4%
2024 · €45k
2018: €9k
2019: €6k
2020: €8k
2021: €21k
2022: €20k
2023: €27k
2024: €45k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€20k▼ 9.8%€27k▲ 36.4%€45k▲ 64.8%€73k▲ 62.1%
Operating result€18k-€-2k€9k€10k▲ 9.6%€42k▲ 309%
Net result€14k-€-2k€7k€8k▲ 10.0%€28k▲ 249%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 309% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €112k
Fixed assets
€38k ▲ 22,110%
Current assets
€74k ▲ 41.0%
Equity and liabilities €112k
Equity
€73k ▲ 62.1%
Debt
€39k ▲ 396%
Debt's share of the balance-sheet total rises from 14.8% to 34.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€50k▲
2024 · €10k
Cash flow
€36k▲
2024 · €8k
Current ratio
5.31▼
2024 · 6.73
Debt to equity
0.53▲
2024 · 0.17
ROE
38.3%▲
2024 · 17.8%
ROA
25.0%▲
2024 · 15.2%
Interest coverage
213.29▲
2024 · 100.13
Debt ≤ 1 year
€14k▲
2024 · €8k
Debt > 1 year
€25k
Income taxes
€13k▲
2024 · €2k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€53k€112k▲
Fixed assets21/28€169€38k▲
Tangible fixed assets22/27€169€38k▲
Furniture and vehicles24€169-
Leasing and similar rights25-€38k
Current assets29/58€53k€74k▲
Amounts receivable within one year40/41€2k€1k▼
Trade receivables40€204€1k▲
Other amounts receivable41€1k-
Cash at bank and in hand54/58€50k€73k▲
Deferred charges and accrued income490/1€916€73▼
Equity and liabilities
Total equity and liabilities10/49€53k€112k▲
Equity10/15€45k€73k▲
Contributions10/11€19k€19k=
Reserves13€26k€54k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€25k€53k▲
Amounts payable17/49€8k€39k▲
Amounts payable after more than one year17-€25k
Financial debts170/4-€25k
Amounts payable within one year42/48€8k€14k▲
Current portion of amounts payable after more than one year42-€7k
Trade debts44€330€591▲
Suppliers440/4€330€591▲
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€6k€5k▼
Other amounts payable47/48€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€169€8k▲
Other operating charges640/8€156€2k▲
Gross operating margin9900€11k€52k▲
Operating profit (loss)9901€10k€42k▲
Financial charges65/66B€104€234▲
Recurring financial charges65€104€234▲
Profit (loss) for the period before taxes9903€10k€41k▲
Income taxes67/77€2k€13k▲
Profit (loss) for the period9904€8k€28k▲
Profit (loss) for the period to be appropriated9905€8k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€28k▲
Transfer from equity791/2€3k-
Transfer to equity691/2€8k€28k▲
To other reserves6921€8k€28k▲
Profit to be distributed694/7€3k-
Return on contributions (dividend)694€3k-
The notes to these accounts (8 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
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €28k ▲249%
Operating result €42k, net result €28k, both a record.
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 13.01
Current ratio from 4.04 to 13.01; short-term debt falls from €6k to €2k.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-4k ▼182%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 9current ratio 72.24
Current ratio from 8.37 to 72.24; short-term debt falls from €1k to €87.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Brugge · 1 establishment unit since 2018
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.
Leopold II-laan 228000 BruggeGround area
744 m²
Building footprint
259 m²
Volume, LiDAR
1,667 m³
Parcel 31808K0734/00K002, Flanders · tallest building 11.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Savvy Consult
since 20182.274.516.772
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31808K0734/00K002 | Flanders | 744 m² | 1 · 259 m² | 11.6 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.
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RENOVIA
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TWMG
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Vastgoed Elien
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Of 4,420 companies in sector 46180 we hold annual accounts for 1,886. 1,403 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2018
Fiscal year end31-12
Activities, NACEBEL 2025
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.