Suva
ActiveSummary
The computed 12-month bankruptcy probability of Suva is 2.6% (moderate). The annual accounts of Suva for fiscal year 2025 show a net loss of 64% of the equity at the start of that year. The 2025 annual accounts show equity of €10k and a net result of €-17k. Its solvency ranks better than 14% of 800 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
41
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▲+28
Solvency27▼-3
Growth58
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.41 against 0.23 in 2024; short-term debt: 29.3% and cash: 7% of total assets), and 98.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
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
1.9%
Return on assets
-3.4%
Age of the figures
12 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2425
2024 to 2025 · latest year €-17k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 800 sector peers (2025).
NBB · sector comparisonPosition among 800 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
on the day
2024
22 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€10k▼ 63.7%
2024 · €26k
2024: €26k
2024 → 2025
Total assets
€495k▼ 3.3%
2024 · €511k
2024: €511k
2024 → 2025
Net result
€-17k▲ 75.1%
2024 · €-67k
2024: €-67k
2024 → 2025
Working capital
€-85k▲ 46.7%
2024 · €-159k
2024: €-159k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€26k-€10k▼ 63.7%
Operating result€-45k-€-4k▲ 91.5%
Net result€-67k-€-17k▲ 75.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €45k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €495k
Fixed assets
€434k ▼ 6.4%
Current assets
€60k ▲ 27.0%
Equity and liabilities €495k
Equity
€10k ▼ 63.7%
Debt
€485k =
The debt ratio rises from 94.8% to 98.1%. Equity is lower.
Key figures and ratios
EBITDA
€51k▲
2024 · €11k
Cash flow
€38k▲
2024 · €-11k
Current ratio
0.41▲
2024 · 0.23
Quick ratio
0.31▲
2024 · 0.21
Debt / equity
50.66▲
2024 · 18.39
ROE
-175.4%▲
2024 · -255.6%
ROA
-3.4%▲
2024 · -13.2%
Interest coverage
2.23▲
2024 · 0.36
Debt ≤ 1 year
€145k▼
2024 · €207k
Debt > 1 year
€339k▲
2024 · €278k
Staff costs
€170k▲
2024 · €169k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€511k€495k▼
Fixed assets21/28€464k€434k▼
Intangible fixed assets21€57k€50k▼
Tangible fixed assets22/27€400k€377k▼
Plant, machinery and equipment23€282k€247k▼
Furniture and vehicles24€118k€130k▲
Financial fixed assets28€8k€8k=
Current assets29/58€47k€60k▲
Stocks and contracts in progress3€4k€15k▲
Stocks30/36€4k€15k▲
Amounts receivable within one year40/41€4k€9k▲
Trade receivables40€4k€6k▲
Other amounts receivable41€802€3k▲
Cash at bank and in hand54/58€39k€35k▼
Deferred charges and accrued income490/1€30€2k▲
Equity and liabilities
Total equity and liabilities10/49€511k€495k▼
Equity10/15€26k€10k▼
Contributions10/11€94k€94k=
Profit (loss) carried forward14€-67k€-84k▼
Amounts payable17/49€485k€485k=
Amounts payable after more than one year17€278k€339k▲
Financial debts170/4€278k€339k▲
Amounts payable within one year42/48€207k€145k▼
Current portion of amounts payable after more than one year42€54k€72k▲
Trade debts44€29k€63k▲
Suppliers440/4€29k€63k▲
Taxes, remuneration and social security45€12k€11k▼
Taxes450/3€2k€0▼
Remuneration and social security454/9€10k€11k▲
Other amounts payable47/48€111k€0▼
Accrued charges and deferred income492/3-€731
Income statement
Code20242025
Remuneration, social security and pensions62€169k€170k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€55k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€409
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A€41k-
Gross operating margin9900€224k€223k▼
Operating profit (loss)9901€-45k€-4k▲
Financial income75/76B€9k€10k▲
Recurring financial income75€9k€10k▲
Financial charges65/66B€31k€23k▼
Recurring financial charges65€31k€23k▼
Profit (loss) for the period before taxes9903€-67k€-17k▲
Profit (loss) for the period9904€-67k€-17k▲
Profit (loss) for the period to be appropriated9905€-67k€-17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-67k€-84k▼
Profit (loss) brought forward from the previous period14P-€-67k
Social balance
Average headcount (FTE)90874.43.8▼
The notes to these accounts (24 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
08-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
NBB filing
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, Ranst · 1 establishment unit since 2023
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.
Liersesteenweg 1442520 RanstGround area
1,506 m²
Building footprint
571 m²
Volume, LiDAR
2,752 m³
2 parcels, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Suva
since 20232.348.296.655
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11015C0253/00P003 | Flanders | 869 m² | 1 · 460 m² | 11.2 m · 1 fl. |
| 11015B0329/00L002 | Flanders | 636 m² | 1 · 111 m² | 10.1 m · 3 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 siteRanst2.348.296.655
Similar companies · same sector, comparable size
LOKERSE STER
BE 0748.581.959
Antwerpen · Eq €10k
BAKKERIJ FADILA
BE 0861.719.492
Anderlecht · Eq €9k
SWEET CAKES
BE 0782.613.420
Deinze · Eq €10k
SPINGHAR PLACE
BE 1003.114.216
Antwerpen · Eq €9k
M CHOCOLATE
BE 0751.601.728
Malmedy · Eq €10k
Of 4,226 companies in sector 10712 we hold annual accounts for 1,870. 913 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-08-2023
Fiscal year end30-09
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
47241Retail sale of bread and pastry (bakery outlets)
47242Retail sale of chocolate and confectionery
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.