SOLVIVA GROUP

Active

Private limited companyfounded 20232 yrs activeDijkstraat 186, 9240 Zele, BelgiumKBO/BCE: BE 1000.582.021

The computed 12-month bankruptcy probability of SOLVIVA GROUP is 1.8% (moderate). The 2025 annual accounts show equity of €13k and a net result of €2k. Its solvency ranks better than 27% of 18237 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

54 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability57▼-37

Solvency32▼-32

Growth52

Track record82

Bankruptcy probability, 12 months

1.8% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity ample (current ratio 5.31 against 1.72 in 2024; short-term debt: 8.3% and cash: 15.1% of total assets), but 93.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

6.8%

Return on assets

1.1%

Age of the figures

12 mo

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 12-03-2026, 49 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

49 d early

2024

48 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

21-09-2026 today30-09-2026 close30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€13k▲ 18.7%

2024 · €11k

2024: €11k

2024 → 2025

Total assets

€184k▲ 571%

2024 · €27k

2024: €27k

2024 → 2025

Net result

€2k▼ 64.7%

2024 · €6k

2024: €6k

2024 → 2025

Working capital

€66k▲ 591%

2024 · €10k

2024: €10k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€11k-€13k▲ 18.7%

Operating result€8k-€6k▼ 20.9%

Net result€6k-€2k▼ 64.7%

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 21% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €184k

56.1%

43.9%

Fixed assets €103k▲ 2,054%

Current assets €81k▲ 257%

Equity and liabilities €184k

93.2%

Equity €13k▲ 18.7%

Debt €172k▲ 920%

The debt ratio rises from 61.3% to 93.2%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€18k▲

2024 · €8k

Cash flow

€14k▲

2024 · €6k

Solvency

6.8%▼

2024 · 38.7%

Current ratio

5.31▲

2024 · 1.72

Quick ratio

4.15▲

2024 · 1.72

Debt / equity

13.62▲

2024 · 1.59

ROE

15.7%▼

2024 · 52.9%

ROA

1.1%▼

2024 · 20.5%

Interest coverage

4.49▼

2024 · 551.92

Debt

€172k▲

2024 · €17k

Debt ≤ 1 year

€15k▲

2024 · €13k

Debt > 1 year

€156k▲

2024 · €4k

Income taxes

€933▼

2024 · €2k

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€27k€184k▲

Fixed assets21/28€5k€103k▲

Tangible fixed assets22/27€5k€103k▲

Furniture and vehicles24-€54k

Other tangible fixed assets26€5k€49k▲

Current assets29/58€23k€81k▲

Stocks and contracts in progress3-€18k

Stocks30/36-€18k

Amounts receivable within one year40/41€20k€35k▲

Trade receivables40€15k€18k▲

Other amounts receivable41€5k€18k▲

Cash at bank and in hand54/58€2k€28k▲

Equity and liabilities

Total equity and liabilities10/49€27k€184k▲

Equity10/15€11k€13k▲

Contributions10/11€5k€5k=

Profit (loss) carried forward14€6k€8k▲

Amounts payable17/49€17k€172k▲

Amounts payable after more than one year17€4k€156k▲

Financial debts170/4€4k€156k▲

Amounts payable within one year42/48€13k€15k▲

Current portion of amounts payable after more than one year42-€10k

Trade debts44€11k€4k▼

Suppliers440/4€11k€4k▼

Taxes, remuneration and social security45€2k€345▼

Taxes450/3€2k€345▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30€12k▲

Other operating charges640/8€479€654▲

Gross operating margin9900€8k€18k▲

Operating profit (loss)9901€8k€6k▼

Financial income75/76B€18€863▲

Recurring financial income75€18€863▲

Financial charges65/66B€14€4k▲

Recurring financial charges65€14€4k▲

Profit (loss) for the period before taxes9903€8k€3k▼

Income taxes67/77€2k€933▼

Profit (loss) for the period9904€6k€2k▼

Profit (loss) for the period to be appropriated9905€6k€2k▼

Appropriation of the result

Profit (loss) to be appropriated9906€6k€8k▲

Profit (loss) brought forward from the previous period14P-€6k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 30-04-2027

2026

12-03

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-09

Financial Liquidity triplescurrent ratio 5.31

Current ratio from 1.72 to 5.31.

13-03

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Zele · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Dijkstraat 1869240 Zele

Ground area

3,585 m²

Building footprint

702 m²

Volume, LiDAR

2,175 m³

Parcel 42402C1306/00L000, Flanders · tallest building 9.3 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

SOLVIVA GROUP

Dijkstraat 186, 9240 ZeleGeneral construction of buildings

since 20232.350.734.622

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
42402C1306/00L000	Flanders	3,585 m²	1 · 702 m²	9.2 m · 1 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 2,610 companies in sector 47551 we hold annual accounts for 1,718. 755 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded02-10-2023

Fiscal year end30-09

Activities, NACEBEL

47551Retail sale of household furniture

47591Retail trade

62020IT consultancy

62200Computer consultancy and computer facilities management

63920Other information service activities

63990Computing infrastructure, data processing, hosting and other information service activities

70200Business and other management consultancy

70210Activities of head offices; management consultancy activities

70220Business consulting

73300Public relations and communication consultancy

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.