SILVANN'O
ActiveThe computed 12-month bankruptcy probability of SILVANN'O is 2.0% (moderate). The 2025 annual accounts show equity of €10k and a net result of €-342. Equity is shrinking by ~21.7% per year across the filed fiscal years. Its solvency ranks better than 51% of 13090 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
42
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▼-18
Solvency57▲+10
Growth32=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.34 against 0.47 in 2024; short-term debt: 68% and cash: 5.7% of total assets), and 68.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
31.8%
Return on assets
-1.1%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 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
13 d late
2024
3 d early
2023
23 d early
2022
10 d late
2021
9 d late
2020
17 d late
2019
31 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€10k▼ 3.4%
2024 · €10k
2018: €22k
2019: €33k
2020: €13k
2021: €10k
2022: €8k
2023: €6k
2024: €10k
2018 → 2025
Total assets
€30k▼ 32.1%
2024 · €45k
2018: €96k
2019: €77k
2020: €76k
2021: €85k
2022: €57k
2023: €53k
2024: €45k
2018 → 2025
Net result
€-342
2024 · €4k
2018: €6k
2019: €10k
2020: €-19k
2021: €-3k
2022: €-2k
2023: €4k
2024: €4k
2018 → 2025
Working capital
€-14k▲ 26.1%
2024 · €-19k
2018: €-28k
2019: €14k
2020: €21k
2021: €20k
2022: €-11k
2023: €-18k
2024: €-19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€8k▼ 23.5%€6k▼ 24.7%€10k▲ 70.8%€10k▼ 3.4%
Operating result€360-€2k▲ 408%€6k▲ 238%€10k▲ 57.6%€5k▼ 52.3%
Net result€-3k-€-2k▲ 26.7%€4k€4k▼ 3.0%€-342
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 52% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €30k
Fixed assets
€23k▼ 18.1%
Current assets
€7k▼ 57.0%
Equity and liabilities €30k
Equity
€10k▼ 3.4%
Debt
€21k▼ 40.4%
The debt ratio falls from 77.7% to 68.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€10k▼
2024 · €15k
Cash flow
€5k▼
2024 · €10k
Solvency
31.8%▲
2024 · 22.3%
Current ratio
0.34▼
2024 · 0.47
Quick ratio
0.10▼
2024 · 0.29
Debt / equity
2.14▼
2024 · 3.48
ROE
-3.5%▼
2024 · 41.4%
ROA
-1.1%▼
2024 · 9.3%
Interest coverage
2.08▼
2024 · 2.77
Debt
€21k▼
2024 · €35k
Debt ≤ 1 year
€21k▼
2024 · €35k
Income taxes
€270▲
2024 · €134
Staff costs
€37k▲
2024 · €36k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€45k€30k▼
Fixed assets21/28€29k€23k▼
Tangible fixed assets22/27€29k€23k▼
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€24k€20k▼
Current assets29/58€16k€7k▼
Stocks and contracts in progress3€6k€5k▼
Stocks30/36€6k€5k▼
Amounts receivable within one year40/41€3k-
Trade receivables40€3k-
Cash at bank and in hand54/58€7k€2k▼
Deferred charges and accrued income490/1€373€411▲
Equity and liabilities
Total equity and liabilities10/49€45k€30k▼
Equity10/15€10k€10k▼
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€8k€8k▼
Amounts payable17/49€35k€21k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€35k€21k▼
Current portion of amounts payable after more than one year42€7k-
Trade debts44€9k€12k▲
Suppliers440/4€9k€12k▲
Taxes, remuneration and social security45€9k€6k▼
Taxes450/3€6k€3k▼
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€10k€3k▼
Accrued charges and deferred income492/3€65€65=
Income statement
Code20242025
Remuneration, social security and pensions62€36k€37k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€53k€49k▼
Operating profit (loss)9901€10k€5k▼
Financial income75/76B€1€1▲
Recurring financial income75€1€1▲
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€4k€-71▼
Income taxes67/77€134€270▲
Profit (loss) for the period9904€4k€-342▼
Profit (loss) for the period to be appropriated9905€4k€-342▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€8k▼
Profit (loss) brought forward from the previous period14P€4k€8k▲
The notes to these accounts (5 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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after 3 loss-making years.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-12
Financial
Weakest financial yearnet €-19k ▼285%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Highest result since 2018net €10k ▲65.6%
Net result €10k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 1.46
Current ratio from 0.61 to 1.46; short-term debt falls from €73k to €30k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Neupré · 1 establishment unit since 2011
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.
Enclos aux Epines(N) 294121 NeupréGround area
2,011 m²
Building footprint
173 m²
Volume, LiDAR
1,600 m³
2 parcels, Wallonia · tallest building 15.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
CHEZ SILVANO
since 20112.199.398.685
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61044B0181/00_000 | Wallonia | 1,914 m² | 1 · 102 m² | 6.9 m · 2 fl. |
| 62803A1104/00D000 | Wallonia | 97 m² | 1 · 70 m² | 15.4 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 siteLiège2.199.398.685
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Of 20,499 companies in sector 56111 we hold annual accounts for 11,450. 6,923 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-05-2011
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56309Food and beverage service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.