SSV Accountants
ActiveSSV Accountants has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €68k and a net result of €24k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 28% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+10
Solvency56▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.22 in 2024; short-term debt: 68.6% and cash: 10.3% of total assets), and 69.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
30.8%
Return on assets
10.8%
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
1819202122232425
2018 to 2025 · latest year €68k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-08-2026, 9 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
9 d late
2024
on the day
2023
21 d early
2022
25 d late
2021
29 d late
2020
20 d late
2019
28 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€68k▲ 54.2%
2024 · €44k
2018: €11k
2019: €10k
2020: €9k
2021: €9k
2022: €9k
2023: €8k
2024: €44k
2018 → 2025
Total assets
€222k▲ 14.5%
2024 · €194k
2018: €11k
2019: €10k
2020: €9k
2021: €9k
2022: €9k
2023: €8k
2024: €194k
2018 → 2025
Net result
€24k▲ 316%
2024 · €6k
2018: €-969
2019: €-553
2020: €-569
2021: €-212
2022: €-189
2023: €-983
2024: €6k
2018 → 2025
Working capital
€61k▲ 81.9%
2024 · €34k
2018: €11k
2019: €10k
2020: €9k
2021: €9k
2022: €9k
2023: €8k
2024: €34k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9k-€9k▼ 2.0%€8k▼ 10.9%€44k▲ 451%€68k▲ 54.2%
Operating result€-175-€-93▲ 46.9%€-944▼ 916%€11k€34k▲ 212%
Net result€-212-€-189▲ 10.8%€-983▼ 421%€6k€24k▲ 316%
Turnover and EBIT margin not published: the abbreviated or 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 212% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €222k
Fixed assets
€9k▼ 18.3%
Current assets
€213k▲ 16.5%
Equity and liabilities €222k
Equity
€68k▲ 54.2%
Debt
€154k▲ 2.8%
The debt ratio falls from 77.1% to 69.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€36k▲
2024 · €13k
Cash flow
€26k▲
2024 · €8k
Solvency
30.8%▲
2024 · 22.9%
Current ratio
1.40▲
2024 · 1.22
Quick ratio
1.40▲
2024 · 1.22
Debt / equity
2.24▼
2024 · 3.37
ROE
35.2%▲
2024 · 13.1%
ROA
10.8%▲
2024 · 3.0%
Interest coverage
372.54▲
2024 · 10.33
Debt
€154k▲
2024 · €150k
Debt ≤ 1 year
€152k▲
2024 · €150k
Income taxes
€10k▲
2024 · €4k
Staff costs
€148k▲
2024 · €112k
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€194k€222k▲
Fixed assets21/28€11k€9k▼
Tangible fixed assets22/27€11k€9k▼
Plant, machinery and equipment23€8k€7k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€183k€213k▲
Amounts receivable within one year40/41€162k€190k▲
Trade receivables40€129k€187k▲
Other amounts receivable41€33k€4k▼
Cash at bank and in hand54/58€21k€23k▲
Equity and liabilities
Total equity and liabilities10/49€194k€222k▲
Equity10/15€44k€68k▲
Contributions10/11€25k€25k=
Reserves13€13k€13k=
Tax-exempt reserves132€3k€3k=
Distributable reserves133€9k€9k=
Profit (loss) carried forward14€6k€30k▲
Amounts payable17/49€150k€154k▲
Amounts payable within one year42/48€150k€152k▲
Trade debts44€134k€143k▲
Suppliers440/4€134k€143k▲
Taxes, remuneration and social security45€16k€9k▼
Taxes450/3€9k€2k▼
Remuneration and social security454/9€7k€7k=
Other amounts payable47/48€304€304=
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Remuneration, social security and pensions62€112k€148k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€681€144▼
Gross operating margin9900€126k€184k▲
Operating profit (loss)9901€11k€34k▲
Financial income75/76B€91€4▼
Recurring financial income75€91€4▼
Financial charges65/66B€1k€97▼
Recurring financial charges65€1k€97▼
Profit (loss) for the period before taxes9903€10k€34k▲
Income taxes67/77€4k€10k▲
Profit (loss) for the period9904€6k€24k▲
Profit (loss) for the period to be appropriated9905€6k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€30k▲
Profit (loss) brought forward from the previous period14P€602€6k▲
The notes to these accounts (4 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
09-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 9 days late
2025
31-12
Financial
Highest result since 2018net €24k ▲316%
Operating result €34k, net result €24k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €6k
Net result €6k after 6 loss-making years.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-983
Net result drops to €-983, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 6current ratio 250.27
Current ratio from 44.54 to 250.27; short-term debt falls from €208 to €32.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
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
no sitting director, no change since 2017
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.
31-12-2017
De Backere Luc: Resigned as Manager
31-12-2017
Volckaert Kristien: Resigned as Manager
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 1996
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.
Dendermondsesteenweg 1449000 GentGround area
145 m²
Building footprint
115 m²
Volume, LiDAR
1,429 m³
Parcel 44804D0163/00K000, Flanders · tallest building 17.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
SSV Accountants
since 19962.077.402.280
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44804D0163/00K000 | Flanders | 145 m² | 1 · 115 m² | 17.9 m · 5 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.
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Of 12,175 companies in sector 69201 we hold annual accounts for 7,638. 6,253 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-05-1996
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:drd.bvba@telenet.be
Phone:02306660