Sover
ActiveSummary
Sover has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €19k. Equity is shrinking by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 24% of 9494 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency48▲+14
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.7 against 1.71 in 2024; short-term debt: 19.4% and cash: 22.6% of total assets), but 76.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
23.5%
Return on assets
33%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 9494 sector peers (2025).
NBB · sector comparisonPosition among 9494 sector peers
Solvency
better than 24%
← weakest
strongest →
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 09-06-2026, 52 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
52 d early
2024
30 d early
2023
36 d early
2022
42 d early
2021
26 d early
2020
40 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▲ 162%
2024 · €5k
2020: €13k
2021: €13k
2022: €5k
2023: €-17k
2024: €5k
2020 → 2025
Total assets
€58k▲ 0.4%
2024 · €58k
2020: €654k
2021: €770k
2022: €750k
2023: €46k
2024: €58k
2020 → 2025
Net result
€19k▼ 15.2%
2024 · €23k
2020: €8k
2021: €-603
2022: €-7k
2023: €-23k
2024: €23k
2020 → 2025
Working capital
€19k▲ 70.6%
2024 · €11k
2020: €-10k
2021: €6k
2022: €4k
2023: €-13k
2024: €11k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€5k▼ 56.8%€-17k€5k€14k▲ 162%
Operating result€9k-€-3k€-21k▼ 520%€24k€28k▲ 16.5%
Net result€-603-€-7k▼ 1,084%€-23k▼ 219%€23k€19k▼ 15.2%
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 17% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58k
Fixed assets
€28k ▼ 10.0%
Current assets
€30k ▲ 12.2%
Equity and liabilities €58k
Equity
€14k ▲ 162%
Debt
€44k ▼ 15.6%
Debt's share of the balance-sheet total falls from 91.0% to 76.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€36k▲
2024 · €31k
Cash flow
€27k▼
2024 · €30k
Current ratio
2.70▲
2024 · 1.71
Debt to equity
3.26▼
2024 · 10.13
ROE
140.5%▼
2024 · 435.0%
ROA
33.0%▼
2024 · 39.1%
Interest coverage
34.70▲
2024 · 24.23
Debt ≤ 1 year
€11k▼
2024 · €16k
Debt > 1 year
€33k▼
2024 · €37k
Income taxes
€8k▲
2024 · €140
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€58k€58k▲
Fixed assets21/28€31k€28k▼
Tangible fixed assets22/27€31k€28k▼
Plant, machinery and equipment23€308€1k▲
Furniture and vehicles24€702€1k▲
Other tangible fixed assets26€30k€25k▼
Current assets29/58€27k€30k▲
Amounts receivable within one year40/41€7k€17k▲
Trade receivables40€7k€6k▼
Other amounts receivable41-€10k
Cash at bank and in hand54/58€20k€13k▼
Deferred charges and accrued income490/1-€372
Equity and liabilities
Total equity and liabilities10/49€58k€58k▲
Equity10/15€5k€14k▲
Contributions10/11€5k€5k=
Reserves13€178€9k▲
Distributable reserves133€178€9k▲
Amounts payable17/49€52k€44k▼
Amounts payable after more than one year17€37k€33k▼
Financial debts170/4€37k€33k▼
Amounts payable within one year42/48€16k€11k▼
Current portion of amounts payable after more than one year42€4k€5k▲
Trade debts44€898€61▼
Suppliers440/4€898€61▼
Taxes, remuneration and social security45€9k€6k▼
Taxes450/3€7k€6k▼
Remuneration and social security454/9€1k-
Other amounts payable47/48€3k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€345€395▲
Gross operating margin9900€31k€36k▲
Operating profit (loss)9901€24k€28k▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€23k€27k▲
Income taxes67/77€140€8k▲
Profit (loss) for the period9904€23k€19k▼
Profit (loss) for the period to be appropriated9905€23k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€178€19k▲
Profit (loss) brought forward from the previous period14P€-22k-
Transfer from equity791/2-€178
Transfer to equity691/2€178€9k▲
To other reserves6921€178€9k▲
Profit to be distributed694/7-€11k
Return on contributions (dividend)694-€11k
The notes to these accounts (6 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €23k
Net result €23k after 3 loss-making years.
31-12
Financial
Liquidity times 5current ratio 1.71
Current ratio from 0.37 to 1.71; short-term debt falls from €21k to €16k.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Nijlen · 1 establishment unit since 2019
Ground area
324 m²
Building footprint
176 m²
Volume, LiDAR
963 m³
Parcel 12026C0845/00L000, Flanders · tallest building 13.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sover
since 20192.294.317.937
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12026C0845/00L000 | Flanders | 324 m² | 1 · 176 m² | 13.9 m · 2 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
DesiGnated
BE 0772.621.331
Rotselaar · Eq €13,587
ALIVEX
BE 1018.969.954
Berlare · Eq €13,600
XS Project
BE 0784.215.108
Héron · Eq €13,575
E.R.E.
BE 0443.148.458
Aalst · Eq €13,569
De Woningstudie
BE 0685.390.518
Leuven · Eq €13,612
Of 11,546 companies in sector 71121 we hold annual accounts for 6,561. 3,404 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-2019
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.