Equity
-€22,085
Debts exceed assets in financial year 2025.
SILva
Lifetime
19 annual accounts with figures on one time axis, 28 filings since 1998peak €162,297 (2017)
€104,432▼ 5.7%
lowest -€18,730 (2023)
-€9,515▲ €1,127
peak €39,146 (2010)
-€22,085▼ €9,515
€36,888▲ 23.8%
peak 4.3 FTE (2016)
-not published
Board1 name since 2015
1 directorJans Roland
Documentsfilings and deeds
31-01-2026on the last day
2025micro format
Loss of €9,515Equity from -€12,571 to -€22,085Debts from €29,790 to €36,888Cash from €2,194 to €246
Key points
from the 2025 annual accountsLosses
-€38,886 in three years
Every financial year from 2023 to 2025 closed with a loss. 2023 was the heaviest.
Turnover
≈ €350,000 estimated
The accounts state no turnover.
Debts
€36,888 249% of the balance sheet
Suppliers 20%Taxes and wages 53%Other 27%
Liquidity
0.39 was 0.84 in 2024
Short-term debts rose from €19,786 to €36,888.
Position in the sector
-149.2%
Lower solvency than 95% of companies in building services and landscaping. Sector median 40.5% · 5,728 companies.
Checked score
52
Fair
Financially stronger than 4% of micro companies in building services and landscaping (NACE 81)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.4% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.9% across 7,709 companies (NACE 81, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.3%lowest value
01-2025: 1.5%▲ +0.2 percentage points vs 12-2024
02-2025: 1.4%▼ -0.1 percentage points vs 01-2025
03-2025: 1.4%● unchanged vs 02-2025
04-2025: 1.4%● unchanged vs 03-2025
05-2025: 1.4%● unchanged vs 04-2025
06-2025: 1.4%● unchanged vs 05-2025
07-2025: 1.4%● unchanged vs 06-2025
08-2025: 1.4%● unchanged vs 07-2025
09-2025: 1.4%● unchanged vs 08-2025
10-2025: 1.4%● unchanged vs 09-2025
11-2025: 1.4%● unchanged vs 10-2025
12-2025: 1.4%● unchanged vs 11-2025
01-2026: 1.7%▲ +0.3 percentage points vs 12-2025highest value
02-2026: 1.4%▼ -0.3 percentage points vs 01-2026
03-2026: 1.4%● unchanged vs 02-2026
04-2026: 1.5%▲ +0.1 percentage points vs 03-2026
05-2026: 1.5%● unchanged vs 04-2026
06-2026: 1.5%● unchanged vs 05-2026
07-2026: 1.4%▼ -0.1 percentage points vs 06-2026
08-2026: 1.4%● unchanged vs 07-2026
09-2026: 1.4%● unchanged vs 08-2026
10-2026: 1.4%● unchanged vs 09-2026
11-2026: 1.4%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Loss of €9,515, the second in a row (financial year 2025)
Negative equity -€22,085
Sector: Services to buildings and landscape activities (NACE 81)
lowers risk
Size: total assets €14,803
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 81, micro). It does better than 3% of them on solvency, 3% on liquidity, 4% on profitability and 6% on growth.
The bankruptcy probability was computed on 09-11-2026 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 30-06-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% 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, 6,619 companies had the same profile as SILva has now. Each dot stands for 17 companies, two years later.
84.5%
were still trading
10.0%
stopped another way
4.5%
went bankrupt
Another 1.0% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SILva itself: 1.4% within 12 months.
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 6,619 companies, not a prediction for SILva. 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
No credit on open account
Liquidity is insufficient, with a current ratio of 0.39 (0.84 in 2024), below 1. Short-term debt is 249.2% and cash 1.7% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€22,085
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 31-01-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
1 day early
2023
29 days late
2022
5 days early
2021
33 days early
2020
9 days early
2019
28 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 7 days before the deadline. In the sector (NACE 81), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 30 January (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
30-06-2026 year end10-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0461188775
First establishment
Boekterheide 87, Heusden-Zolder
Incorporation
published on 01-08-1997 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SILva Heusden-Zolder | €14,803 | €104,432 | -149.2% | - |
| MASUVAN Ledegem | €11,069 | €53,300 | -659.4% | - |
| CALL - CLEAN Brussels | €14,634 | €44,320 | 85.9% | - |
| GSN SERVICES MEKNES | €15,637 | €60,252 | -149.8% | - |
| INTERNATIONAL DECOR EXPORT AGENCY Beauvechain | €28,642 | €68,478 | 38.9% | - |
| ARTISANS DU HOME Trooz | €19,048 | €46,720 | -50.9% | - |
| NITEX Colfontaine | €33,541 | €74,598 | -2.0% | - |
These companies have the same main activity as SILva: other building cleaning and industrial cleaning (NACE 81220). They are comparable in size and age: total assets between €11,100 and €33,500, founded between 1983 and 2007.
Official details
Source: KBO- Status
- Active since 22-07-1997Normal situation
- Activity
- Other building cleaning and industrial cleaningNACE 81220
- Establishment unit
- 2.082.939.5943550 Heusden-Zolder, since 11-08-1997
- Financial year end
- 30 June
- Peppol
- Reachable since 19-09-2025
Annual accounts to 30-06-2025
- €14,803▼ 14.0%
- Employeeson 30-06-2025
- 4=
- Filing
- Filed on 31-01-2026, on the last day of the filing period
Insights on SILva
SILva files the micro format. That format states no turnover. The gross margin rose from €84,252 in 2007 to €104,432 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 SILva
- What is the company number of SILva?
- The company number of SILva is 0461.188.775. The VAT number is the same number with BE in front: BE 0461.188.775.
- Where is SILva based?
- The registered office is at Boekterheide 87, 3550 Heusden-Zolder.Company details
- What does SILva do?
- According to the KBO register, the main activity is other building cleaning and industrial cleaning (NACE 81220).
- What is the legal form of SILva?
- SILva is a private limited company (pre-2019) (BVBA).
- When was SILva founded?
- SILva was founded on 22-07-1997.
- Is SILva still active?
- Yes, SILva is an active enterprise in the KBO register.
- How many employees does SILva have?
- SILva had an average of 3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of SILva?
- The turnover in financial year 2025 is ≈ €350,000. This figure is estimated from the gross margin of €104,432 and 36 comparable companies (NACE 812). It probably lies between €200,000 and €610,000.
- Is SILva profitable?
- In financial year 2025, SILva made a loss of €9,515.
- Where can I find the annual accounts of SILva?
- SILva filed 28 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SILva due?
- SILva must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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