Turnover
≈ €240,000 estimated
The micro format states no turnover.
Savvy Consult
Lifetime
8 annual accounts with figures on one time axispeak €51,502 (2025)
€51,502▲ 390%
lowest -€3,742 (2019)
€27,957▲ 249%
peak €72,994 (2025)
€72,994▲ 62.1%
€38,867▲ 396%
Board1 name since 2018
1 directorKris Bertens
Documentsfilings and deeds
27-07-20264 days before the deadline
2025micro format
Gross margin from €10,520 to €51,502Result from €8,014 to €27,957Equity from €45,037 to €72,994Debts from €7,830 to €38,867Investments €45,694Cash from €50,155 to €73,000
Key points
from the 2025 annual accountsInvestments
€45,694 5.5 × depreciation
Green is investment, beige is depreciation.
Filings
8 annual accounts 1 late
The 2020 accounts came 23 days late. The other seven were filed on time.
Checked score
98
Excellent
Financially stronger than 86% of micro companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,888 companies (NACE 46, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.2%▲ +0.1 percentage points vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025highest value
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.1%▼ -0.1 percentage points vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: < 0.1%▼ -0.1 percentage points vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Wholesale trade (NACE 46)
lowers risk
Liquidity: current ratio 5.31, cash €73,000
Equity €72,994 (65.3% of total assets)
Size: total assets €111,861
Calculation
The band follows from the bankruptcy probability. 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 46, micro). It does better than 71% of them on solvency, 95% on liquidity, 91% on profitability and 90% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as Savvy Consult has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Savvy Consult itself is lower: < 0.1% within 12 months. It rests on far more data about Savvy Consult than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for Savvy Consult. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €7,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 5.31 (6.73 in 2024), above the usual 1.5. Short-term debt is 12.5% and cash 65.3% of total assets. 34.7% of the assets are financed with debt and provisions.
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Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 days early
2024
41 days early
2023
33 days early
2022
6 days early
2021
2 days early
2020
23 days late
2019
45 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 15 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 25 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0687726535
Legal-form change · Resignations & appointments
Change of role: Kris Bertens, from manager to director · “Leveren van consulting diensten en diverse adviezen met betrekking tot de aan- en verkoop van zowel ruwe als…” (deed in Dutch) · Legal-form conversion: to private limited company · General meeting of 09-05-2023 · Gazette deed
Registered office moved within Bruges
New registered office: Leopold Il-Laan 22 te 8000 Brugge · Previous registered office: Pathoekeweg 9B bus 12 te 8000 Brugge · Board meeting of 09-03-2020 · Gazette deed
Incorporation
published on 11-01-2018 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Savvy Consult Bruges | €111,861 | €51,502 | 65.3% | - |
| conCarma Hasselt | €109,563 | €37,953 | 76.6% | - |
| CHK MOTORS Charleroi | €95,475 | €61,108 | -77.2% | - |
| AVADO Bruges | €133,258 | €84,216 | 47.1% | - |
| Copreno Wervik | €113,720 | €50,506 | 90.1% | - |
| JDP Invest Zedelgem | €173,756 | €42,979 | 0.2% | - |
| JD CLASSIC CARS Wuustwezel | €101,846 | €41,854 | 18.8% | - |
These companies have the same main activity as Savvy Consult: agents specialised in the wholesale of other particular products (NACE 46180). They are comparable in size and age: total assets between €95,500 and €174,000, founded between 2015 and 2019.
Official details
Source: KBO- Status
- Active since 09-01-2018Normal situation
- Activity
- Agents specialised in the wholesale of other particular productsNACE 46180
- Establishment unit
- 2.274.516.7728000 Bruges, since 09-01-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 13-10-2025
Annual accounts 2025
- €111,861▲ 112%
- Filing
- Filed on 27-07-2026, 4 days before the end of the filing period
Insights on Savvy Consult
Savvy Consult files the micro format. That format states no turnover. The gross margin rose from €6,613 in 2018 to €51,502 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Savvy Consult
- What is the company number of Savvy Consult?
- The company number of Savvy Consult is 0687.726.535. The VAT number is the same number with BE in front: BE 0687.726.535.
- Where is Savvy Consult based?
- The registered office is at Leopold II-laan 22, 8000 Bruges.Company details
- What does Savvy Consult do?
- According to the KBO register, the main activity is agents specialised in the wholesale of other particular products (NACE 46180).
- What is the legal form of Savvy Consult?
- Savvy Consult is a private limited company (BV).
- When was Savvy Consult founded?
- Savvy Consult was founded on 09-01-2018.
- Is Savvy Consult still active?
- Yes, Savvy Consult is an active enterprise in the KBO register.
- What is the turnover of Savvy Consult?
- The turnover in financial year 2025 is ≈ €240,000. This figure is estimated from the gross margin of €51,502 and 30 comparable companies (NACE 461). It probably lies between €120,000 and €560,000.Financials
- Is Savvy Consult profitable?
- In financial year 2025, Savvy Consult made a profit of €27,957.
- Where can I find the annual accounts of Savvy Consult?
- Savvy Consult filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Savvy Consult due?
- Savvy Consult must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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