SILVA & SILVA
ActiveSummary
SILVA & SILVA has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €236,246 and a net result of €44,805. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 76% of 3762 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▼-18
Solvency83▼-6
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16,000 at 30 days acceptable
Liquidity ample (current ratio 2.44 against 2.68 in 2024; short-term debt: 35.5% and cash: 0.9% of total assets), and 42.1% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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
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
57.9%
Return on assets
11%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
18192021232425
2018 to 2025 · latest year €236,246
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
49 d late
2021
36 d early
2020
18 d late
2019
63 d late
2018
30 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 18 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.
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
28-09-2026 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 check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
€236,246▲ 23.4%
2024 · €191,441
Total assets
€408,277▲ 35.7%
2024 · €300,911
Net result
€44,805▼ 62.6%
2024 · €119,877
Working capital
€209,386▲ 19.0%
2024 · €175,902
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202320242025
Operating result€18,192▼ 18.2%€28,269▲ 55.4%-€33,861-€155,991€72,510▼ 53.5%
Net result€16,760within the sector's middle half▼ 3.5%€23,968within the sector's middle half▲ 43.0%-€46,962below the sector's middle half-€119,877above the sector's middle half€44,805within the sector's middle half▼ 62.6%
Equity€24,851within the sector's middle half▲ 207%€48,819within the sector's middle half▲ 96.4%€71,564within the sector's middle half-€191,441within the sector's middle half▲ 168%€236,246within the sector's middle half▲ 23.4%
Total assets€33,831below the sector's middle half▲ 30.0%€106,735below the sector's middle half▲ 215%€207,618within the sector's middle half-€300,911within the sector's middle half▲ 44.9%€408,277within the sector's middle half▲ 35.7%
Debt€8,980▼ 49.9%€57,916▲ 545%€136,054-€109,470▼ 19.5%€172,031▲ 57.1%
Working capital€21,122within the sector's middle half▲ 403%€65,382within the sector's middle half▲ 210%€68,429within the sector's middle half-€175,902above the sector's middle half▲ 157%€209,386above the sector's middle half▲ 19.0%
Solvency73.5%above the sector's middle half▲ 42.4pp45.7%within the sector's middle half▼ 27.7pp34.5%within the sector's middle half-63.6%above the sector's middle half▲ 29.2pp57.9%above the sector's middle half▼ 5.8pp
Current ratio3.35above the sector's middle half▲ 2.123.07above the sector's middle half▼ 0.281.55within the sector's middle half-2.68above the sector's middle half▲ 1.132.44above the sector's middle half▼ 0.24
Return on assets (ROA)49.5%above the sector's middle half▼ 17.2pp22.5%above the sector's middle half▼ 27.1pp-22.6%below the sector's middle half-39.8%above the sector's middle half▲ 62.5pp11.0%within the sector's middle half▼ 28.9pp
Staff (FTE)0.7below the sector's middle half▲ 16.7%0.7below the sector's middle half=0.4below the sector's middle half-1below the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 54% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €408,277
Fixed assets
€53,775 ▲ 166%
Current assets
€354,502 ▲ 26.3%
Equity and liabilities €408,277
Equity
€236,246 ▲ 23.4%
Debt
€172,031 ▲ 57.1%
Debt's share of the balance-sheet total rises from 36.4% to 42.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€76,190▼
2024 · €158,765
Cash flow
€48,485▼
2024 · €122,651
Quick ratio
2.44▼
2024 · 2.66
Debt to equity
0.73▲
2024 · 0.57
ROE
19.0%▼
2024 · 62.6%
Interest coverage
21.02▼
2024 · 39.12
Debt ≤ 1 year
€145,116▲
2024 · €104,790
Debt > 1 year
€26,915▲
2024 · €4,680
Income taxes
€24,081▼
2024 · €32,056
Staff costs
€25,960
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €12,673 | €10,612 | - | €25,960 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €160 | €1,701 | €2,160 | €2,774 | €3,680 | ▲ 32.7% |
| Other operating charges640/8 | - | €3,954 | €12,545 | €9,166 | €20,696 | ▲ 126% |
| Gross operating margin9900 | €42,271 | €46,598 | -€8,544 | €167,931 | €122,846 | ▼ 26.8% |
| Operating profit (loss)9901 | €18,192 | €28,269 | -€33,861 | €155,991 | €72,510 | ▼ 53.5% |
| Financial income75/76B | - | €0 | €1 | - | €0 | - |
| Recurring financial income75 | - | €0 | €1 | - | €0 | - |
| Financial charges65/66B | - | €882 | €5,601 | €4,058 | €3,624 | ▼ 10.7% |
| Recurring financial charges65 | €353 | €882 | €5,601 | €4,058 | €3,624 | ▼ 10.7% |
| Profit (loss) for the period before taxes9903 | €17,839 | €27,388 | -€39,462 | €151,933 | €68,886 | ▼ 54.7% |
| Income taxes67/77 | €1,079 | €3,420 | €7,500 | €32,056 | €24,081 | ▼ 24.9% |
| Profit (loss) for the period9904 | €16,760 | €23,968 | -€46,962 | €119,877 | €44,805 | ▼ 62.6% |
| Profit (loss) for the period to be appropriated9905 | €16,760 | €23,968 | -€46,962 | €119,877 | €44,805 | ▼ 62.6% |
| Line | 2020 | 2021 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €33,831 | €106,735 | €207,618 | €300,911 | €408,277 | ▲ 35.7% |
| Fixed assets21/28 | €3,729 | €9,735 | €13,939 | €20,219 | €53,775 | ▲ 166% |
| Tangible fixed assets22/27 | €479 | €6,485 | €8,147 | €6,728 | €40,284 | ▲ 499% |
| Plant, machinery and equipment23 | - | €6,485 | €7,171 | €6,031 | €3,366 | ▼ 44.2% |
| Furniture and vehicles24 | - | - | €976 | €696 | €36,918 | ▲ 5,203% |
| Financial fixed assets28 | €3,250 | €3,250 | €5,792 | €13,492 | €13,492 | = |
| Current assets29/58 | €30,101 | €97,001 | €193,679 | €280,692 | €354,502 | ▲ 26.3% |
| Amounts receivable after more than one year29 | - | €92,000 | €184,000 | €184,000 | €349,000 | ▲ 89.7% |
| Other amounts receivable291 | - | €92,000 | €184,000 | €184,000 | €349,000 | ▲ 89.7% |
| Stocks and contracts in progress3 | €115 | €1,623 | €2,926 | €1,763 | €710 | ▼ 59.7% |
| Stocks30/36 | - | €1,623 | €2,926 | €1,763 | €710 | ▼ 59.7% |
| Amounts receivable within one year40/41 | €8,058 | €369 | €2,293 | €16,689 | €1,135 | ▼ 93.2% |
| Other amounts receivable41 | - | €369 | €2,293 | €16,689 | €1,135 | ▼ 93.2% |
| Cash at bank and in hand54/58 | €21,049 | €3,009 | €2,868 | €77,703 | €3,658 | ▼ 95.3% |
| Deferred charges and accrued income490/1 | - | - | €1,592 | €537 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €33,831 | €106,735 | €207,618 | €300,911 | €408,277 | ▲ 35.7% |
| Equity10/15 | €24,851 | €48,819 | €71,564 | €191,441 | €236,246 | ▲ 23.4% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | - | - | €69,700 | €69,700 | €114,400 | ▲ 64.1% |
| Distributable reserves133 | - | - | €69,700 | €69,700 | €114,400 | ▲ 64.1% |
| Profit (loss) carried forward14 | €6,251 | €30,219 | -€16,736 | €103,141 | €103,246 | ▲ 0.1% |
| Amounts payable17/49 | €8,980 | €57,916 | €136,054 | €109,470 | €172,031 | ▲ 57.1% |
| Amounts payable after more than one year17 | - | €26,298 | €10,804 | €4,680 | €26,915 | ▲ 475% |
| Financial debts170/4 | - | €26,298 | €10,804 | €4,680 | €26,915 | ▲ 475% |
| Amounts payable within one year42/48 | €8,980 | €31,618 | €125,250 | €104,790 | €145,116 | ▲ 38.5% |
| Current portion of amounts payable after more than one year42 | - | €7,261 | €8,011 | €6,124 | €11,420 | ▲ 86.5% |
| Trade debts44 | €2,811 | €12,462 | €76,925 | €66,611 | €71,001 | ▲ 6.6% |
| Suppliers440/4 | - | €12,462 | €76,925 | €66,611 | €71,001 | ▲ 6.6% |
| Taxes, remuneration and social security45 | - | €7,395 | €36,567 | €32,056 | €58,145 | ▲ 81.4% |
| Taxes450/3 | - | €6,113 | €35,508 | €32,056 | €56,136 | ▲ 75.1% |
| Remuneration and social security454/9 | - | €1,282 | €1,059 | - | €2,009 | - |
| Other amounts payable47/48 | - | €4,500 | €3,747 | - | €4,550 | - |
| Line | 2020 | 2021 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,760 | €23,968 | -€46,962 | €119,877 | €44,805 | ▼ 62.6% |
| + Depreciation and write-downs630 | €160 | €1,701 | €2,160 | €2,774 | €3,680 | ▲ 32.7% |
| Operating cash flow (approximation) | €16,920 | €25,669 | -€44,802 | €122,651 | €48,485 | ▼ 60.5% |
| Investment in fixed assets (approximation) | - | -€7,706 | - | -€9,054 | -€37,236 | ▼ 311% |
| Change in cash | - | -€18,040 | - | €74,834 | -€74,045 | ▼ 199% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Equity above €200,000Eq €236,246 ▲23.4%
2 profitable years in a row build equity to €236,246.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
2024
31-12
Financial
Back to profitnet €119,877
Net result €119,877 after one loss-making year.
31-12
Financial
Equity above €150,000Eq €191,441 ▲168%
Equity rises from €71,564 to €191,441.
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 49 days late
2023
31-12
Financial
Weakest financial yearnet -€46,962
Net result drops to -€46,962, the lowest in the series; recovery starts the following year.
2022
25-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 18 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 3.35
Current ratio from 1.23 to 3.35; short-term debt falls from €17,923 to €8,980.
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 63 days late
2019
31-12
Financial
Liquidity times 13current ratio 1.23
Current ratio from 0.09 to 1.23.
Show earlier events
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
2016
05-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 5 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
4 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, Antwerpen · 1 establishment unit since 2001
Ground area
66 m²
Building footprint
66 m²
Volume, LiDAR
953 m³
Parcel 11807G1296/00G000, Flanders · tallest building 16.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Café Brazuca
since 20012.131.711.788
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11807G1296/00G000 | Flanders | 66 m² | 1 · 66 m² | 16.0 m · 5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.131.711.788
Similar companies · same sector, comparable size
INSTANT PROJECTS
BE 0411.939.204
Ninove · Eq €236,239
LOUIS SCHREVENS ESTATE
BE 0424.146.257
Lubbeek · Eq €235,800
GRIGORYAN INVEST
BE 0661.589.587
Sint-Joost-ten-Node · Eq €236,840
DE MAX
BE 0434.924.937
Herentals · Eq €236,861
VELA
BE 0668.499.749
Oostende · Eq €237,667
Of 14,005 companies in sector 56301 we hold annual accounts for 4,897. 2,904 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
Founded16-02-2001
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
E-invoicing
Reachable via Peppol
Peppol ID
0208:0474097495
Registered
27-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.