SOLVYPRO
ActiveSOLVYPRO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €307k and a net result of €154k. Equity is growing by ~20.5% per year across the filed fiscal years. Its solvency ranks better than 54% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+1
Solvency86▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.44 against 1.98 in 2024; short-term debt: 34.4% and cash: 40.1% of total assets), and 39.2% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
60.8%
Return on assets
30.5%
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
21 d early
2023
23 d early
2022
4 d early
2021
5 d early
2020
38 d early
2019
28 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€307k▲ 1.2%
2024 · €303k
2018: €49k
2019: €104k
2020: €176k
2021: €270k
2022: €386k
2023: €466k
2024: €303k
2018 → 2025
Total assets
€504k▼ 14.9%
2024 · €593k
2018: €80k
2019: €154k
2020: €238k
2021: €323k
2022: €437k
2023: €539k
2024: €593k
2018 → 2025
Net result
€154k▲ 6.3%
2024 · €145k
2018: €52k
2019: €54k
2020: €72k
2021: €94k
2022: €116k
2023: €121k
2024: €145k
2018 → 2025
Working capital
€250k▲ 0.5%
2024 · €249k
2018: €47k
2019: €78k
2020: €160k
2021: €249k
2022: €359k
2023: €428k
2024: €249k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€270k-€386k▲ 43.1%€466k▲ 20.6%€303k▼ 34.9%€307k▲ 1.2%
Operating result€135k-€169k▲ 25.1%€157k▼ 7.1%€189k▲ 20.2%€202k▲ 7.3%
Net result€94k-€116k▲ 23.8%€121k▲ 4.0%€145k▲ 19.5%€154k▲ 6.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €504k
Fixed assets
€81k▼ 11.6%
Current assets
€423k▼ 15.5%
Equity and liabilities €504k
Equity
€307k▲ 1.2%
Debt
€198k▼ 31.8%
The debt ratio falls from 48.9% to 39.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€229k▲
2024 · €206k
Cash flow
€180k▲
2024 · €162k
Solvency
60.8%▲
2024 · 51.1%
Current ratio
2.44▲
2024 · 1.98
Quick ratio
2.44▲
2024 · 1.98
Debt / equity
0.64▼
2024 · 0.96
ROE
50.1%▲
2024 · 47.7%
ROA
30.5%▲
2024 · 24.4%
Interest coverage
124.60▼
2024 · 171.28
Debt
€198k▼
2024 · €290k
Debt ≤ 1 year
€174k▼
2024 · €252k
Debt > 1 year
€24k▼
2024 · €37k
Income taxes
€54k▲
2024 · €46k
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€593k€504k▼
Fixed assets21/28€92k€81k▼
Tangible fixed assets22/27€90k€79k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€13k€17k▲
Leasing and similar rights25€59k€46k▼
Other tangible fixed assets26€13k€12k▼
Financial fixed assets28€2k€2k=
Current assets29/58€501k€423k▼
Amounts receivable after more than one year29€125k€25k▼
Other amounts receivable291€125k€25k▼
Amounts receivable within one year40/41€65k€45k▼
Trade receivables40€63k€45k▼
Other amounts receivable41€2k€10▼
Current investments50/53€133k€136k▲
Cash at bank and in hand54/58€171k€202k▲
Deferred charges and accrued income490/1€7k€15k▲
Equity and liabilities
Total equity and liabilities10/49€593k€504k▼
Equity10/15€303k€307k▲
Contributions10/11€19k€19k=
Reserves13€284k€288k▲
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€283k€288k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€290k€198k▼
Amounts payable after more than one year17€37k€24k▼
Financial debts170/4€37k€24k▼
Amounts payable within one year42/48€252k€174k▼
Current portion of amounts payable after more than one year42€24k€12k▼
Trade debts44€11k€9k▼
Suppliers440/4€11k€9k▼
Taxes, remuneration and social security45€9k€16k▲
Taxes450/3€9k€16k▲
Other amounts payable47/48€208k€136k▼
Accrued charges and deferred income492/3€227€169▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€27k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€209k€232k▲
Operating profit (loss)9901€189k€202k▲
Financial income75/76B€3k€7k▲
Recurring financial income75€3k€7k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€191k€208k▲
Income taxes67/77€46k€54k▲
Profit (loss) for the period9904€145k€154k▲
Profit (loss) for the period to be appropriated9905€145k€154k▲
Appropriation of the result
Profit (loss) to be appropriated9906€145k€154k▲
Transfer from equity791/2€175k€0▼
Transfer to equity691/2€0€4k▲
To other reserves6921€0€4k▲
Profit to be distributed694/7€320k€150k▼
Return on contributions (dividend)694€320k€150k▼
The notes to these accounts (12 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €154k ▲6.3%
Operating result €202k, net result €154k, both a record.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €270k ▲53.4%
4 profitable years in a row build equity to €270k.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €176k ▲69.9%
3 profitable years in a row build equity to €176k.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €104k ▲109%
2 profitable years in a row build equity to €104k.
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Brugge · 2 establishment units since 2014
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.
Grote Moerstraat 728200 BruggeGround area
1,347 m²
Building footprint
172 m²
Volume, LiDAR
937 m³
2 parcels, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
SOLVYPRO
since 20142.237.582.835
Solvypro
since 20182.289.464.472
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31424B0249/00Y000 | Flanders | 853 m² | 1 · 145 m² | 6.9 m · 2 fl. |
| 24034C0120/00G000 | Flanders | 494 m² | 1 · 26 m² | 7.7 m · 2 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.
Similar companies · same sector, comparable size
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Juntos Invest
BE 0656.935.963
Turnhout · Eq €306k
JAYDEECO
BE 0793.636.776
Herzele · Eq €306k
XVH-INVEST
BE 0598.850.878
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HANTERA
BE 0810.789.148
Kortrijk · Eq €307k
Of 5,696 companies in sector 70100 we hold annual accounts for 3,489. 2,311 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-11-2014
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.