Summary
SAVYOO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €54k and a net result of €33k. Equity is growing by ~24.9% per year across the filed fiscal years. Its solvency ranks better than 17% of 2444 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 2444 sector peers (2025).
NBB · sector comparisonPosition among 2444 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 7 filingsDeviation from the deadline
2025
28 d late
2024
72 d early
2023
75 d early
2022
68 d early
2021
54 d early
2020
9 d early
2019
63 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date Which other companies resemble this one?Lookalike companies
Financials · fiscal year 2025, micro schema
Equity
€54k▲ 157%
2024 · €21k
Net result
€33k▼ 6.1%
2024 · €35k
Total assets
€514k▲ 250%
2024 · €147k
Solvency
10.6%▼ 3.8pp
2024 · 14.4%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€28k▲ 1,465%€77k▲ 179%€34k▼ 55.9%€46k▲ 35.3%€40k▼ 12.0%
Net result€22k▲ 555%€63k▲ 191%€27k▼ 57.2%€35k▲ 30.5%€33k▼ 6.1%
Equity€12k▲ 120%€21k▲ 78.4%€21k▲ 0.1%€21k=€54k▲ 157%
Total assets€229k▼ 12.3%€248k▲ 8.3%€148k▼ 40.3%€147k▼ 0.9%€514k▲ 250%
Debt€217k▼ 15.1%€227k▲ 4.5%€127k▼ 44.0%€126k▼ 1.0%€460k▲ 266%
Working capital€96k▼ 33.4%€-80k€-71k▲ 10.2%€-63k▲ 11.4%€-255k▼ 304%
Solvency5.2%▲ 3.1pp8.5%▲ 3.3pp14.3%▲ 5.8pp14.4%▲ 0.1pp10.6%▼ 3.8pp
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €514k
Fixed assets
€310k ▲ 267%
Current assets
€204k ▲ 227%
Equity and liabilities €514k
Equity
€54k ▲ 157%
Debt
€460k ▲ 266%
Debt's share of the balance-sheet total rises from 85.6% to 89.4%. Equity and debt are higher.
Key figures and ratios
ROE
61.0%▼
2024 · 166.9%
ROA
6.4%▼
2024 · 24.0%
Debt ≤ 1 year
€460k▲
2024 · €126k
Income taxes
€12k▼
2024 · €13k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | €8k | €8k | €8k | €19k | ▲ 139% |
| Other operating charges640/8 | - | €3 | - | - | - | - |
| Gross operating margin9900 | €36k | €85k | €42k | €54k | €60k | ▲ 10.7% |
| Operating profit (loss)9901 | €28k | €77k | €34k | €46k | €40k | ▼ 12.0% |
| Financial income75/76B | €5k | €7k | €4k | €2k | €5k | ▲ 146% |
| Recurring financial income75 | €5k | €7k | €4k | €2k | €5k | ▲ 146% |
| Financial charges65/66B | €4k | €3k | €451 | €413 | €857 | ▲ 107% |
| Recurring financial charges65 | €4k | €3k | €451 | €413 | €857 | ▲ 107% |
| Profit (loss) for the period before taxes9903 | €29k | €81k | €37k | €48k | €45k | ▼ 5.7% |
| Income taxes67/77 | €7k | €18k | €10k | €13k | €12k | ▼ 4.5% |
| Profit (loss) for the period9904 | €22k | €63k | €27k | €35k | €33k | ▼ 6.1% |
| Profit (loss) for the period to be appropriated9905 | €22k | €63k | €27k | €35k | €33k | ▼ 6.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €229k | €248k | €148k | €147k | €514k | ▲ 250% |
| Fixed assets21/28 | €109k | €101k | €93k | €84k | €310k | ▲ 267% |
| Intangible fixed assets21 | €109k | €101k | €93k | €84k | €310k | ▲ 267% |
| Current assets29/58 | €120k | €147k | €56k | €62k | €204k | ▲ 227% |
| Amounts receivable within one year40/41 | €114k | €130k | €54k | €54k | €204k | ▲ 274% |
| Trade receivables40 | €480 | €712 | - | - | - | - |
| Other amounts receivable41 | €114k | €129k | €54k | €54k | €204k | ▲ 274% |
| Cash at bank and in hand54/58 | €6k | €18k | €43 | €6k | €353 | ▼ 94.3% |
| Deferred charges and accrued income490/1 | €105 | €105 | €1k | €2k | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €229k | €248k | €148k | €147k | €514k | ▲ 250% |
| Equity10/15 | €12k | €21k | €21k | €21k | €54k | ▲ 157% |
| Contributions10/11 | €12k | €19k | €19k | €19k | €19k | = |
| Profit (loss) carried forward14 | €-564 | €3k | €3k | €3k | €36k | ▲ 1,307% |
| Amounts payable17/49 | €217k | €227k | €127k | €126k | €460k | ▲ 266% |
| Amounts payable after more than one year17 | €193k | - | - | - | - | - |
| Financial debts170/4 | €193k | - | - | - | - | - |
| Amounts payable within one year42/48 | €25k | €227k | €127k | €126k | €460k | ▲ 266% |
| Current portion of amounts payable after more than one year42 | - | €150k | €88k | €88k | €353k | ▲ 303% |
| Trade debts44 | €2k | €20 | €2k | €3k | €47k | ▲ 1,510% |
| Suppliers440/4 | €2k | €20 | €2k | €3k | €47k | ▲ 1,510% |
| Taxes, remuneration and social security45 | €8k | €17k | €10k | - | - | - |
| Taxes450/3 | €8k | €17k | €10k | - | - | - |
| Other amounts payable47/48 | €15k | €60k | €27k | €35k | €60k | ▲ 70.1% |
| Accrued charges and deferred income492/3 | - | - | - | €19 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22k | €63k | €27k | €35k | €33k | ▼ 6.1% |
| + Depreciation and write-downs630 | €8k | €8k | €8k | €8k | €19k | ▲ 139% |
| Operating cash flow (approximation) | €30k | €71k | €35k | €43k | €53k | ▲ 21.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €-245k | - |
| Change in cash | - | €12k | €-17k | €6k | €-6k | ▼ 195% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
20-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2019net €63k ▲191%
Operating result €77k, net result €63k, both a record.
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 195.84
Current ratio from 53.83 to 195.84; short-term debt falls from €4k to €737.
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 63 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, La Hulpe · 1 establishment unit since 2019
Ground area
10.1 ha
Building footprint
113 m²
Volume, LiDAR
983 m³
Parcel 25050C0039/00K000, Wallonia · tallest building 14.1 m, ±3 floors. Linked by address, not a title deed.
137
companies at this address
See who is registered here
1 establishment unit
SAVYOO
since 20192.287.160.426
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25050C0039/00K000 | Wallonia | 10.1 ha | 1 · 113 m² | 14.1 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 853 companies in sector 66210 we hold annual accounts for 511. 412 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded14-03-2019
Fiscal year end31-12
Activities, NACEBEL 2025
66210Risk and damage evaluation
66220Insurance agents and brokers
66290Activities auxiliary to financial services and insurance activities
Contact
E-mail
thierry@savyoo.beLa Hulpe
Scores and ratios are computed by Checked and are not a credit decision.