SV & CO
ActiveSV & CO has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31k and a net result of €63k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 21% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency46▼-45
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.96 against 3.62 in 2024; short-term debt: 72% and cash: 59.6% of total assets), and 78.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 69
Relative position
BE, all sectors
reference
Sector 69
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
21.3%
Return on assets
42.6%
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 21% of 12690 sector peers (2025).
NBB · sector comparisonPosition among 12690 sector peers
Solvency
better than 21%
← 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 16-04-2026, 106 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
106 d early
2024
26 d late
2023
29 d late
2022
31 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
€31k▼ 70.5%
2024 · €107k
2022: €28k
2023: €42k
2024: €107k
2022 → 2025
Total assets
€147k▼ 9.4%
2024 · €163k
2022: €83k
2023: €97k
2024: €163k
2022 → 2025
Net result
€63k▼ 3.2%
2024 · €65k
2022: €18k
2023: €14k
2024: €65k
2022 → 2025
Working capital
€-4k
2024 · €91k
2022: €20k
2023: €32k
2024: €91k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€28k-€42k▲ 50.7%€107k▲ 155%€31k▼ 70.5%
Operating result€24k-€20k▼ 17.7%€82k▲ 313%€79k▼ 3.8%
Net result€18k-€14k▼ 20.7%€65k▲ 362%€63k▼ 3.2%
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 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €147k
Fixed assets
€45k▲ 22.5%
Current assets
€102k▼ 18.8%
Equity and liabilities €147k
Equity
€31k▼ 70.5%
Debt
€116k▲ 107%
The debt ratio rises from 34.5% to 78.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€90k▼
2024 · €95k
Cash flow
€73k▼
2024 · €78k
Solvency
21.3%▼
2024 · 65.5%
Current ratio
0.96▼
2024 · 3.62
Quick ratio
0.96▼
2024 · 3.62
Debt / equity
3.69▲
2024 · 0.53
ROE
199.8%▲
2024 · 60.8%
ROA
42.6%▲
2024 · 39.9%
Interest coverage
48.09▲
2024 · 38.14
Debt
€116k▲
2024 · €56k
Debt ≤ 1 year
€106k▲
2024 · €35k
Debt > 1 year
€10k▼
2024 · €21k
Income taxes
€15k▼
2024 · €16k
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€163k€147k▼
Fixed assets21/28€37k€45k▲
Intangible fixed assets21€4k€2k▼
Tangible fixed assets22/27€33k€43k▲
Furniture and vehicles24€5k€19k▲
Other tangible fixed assets26€28k€24k▼
Current assets29/58€126k€102k▼
Amounts receivable within one year40/41€32k€12k▼
Trade receivables40€3k€3k▲
Other amounts receivable41€29k€8k▼
Cash at bank and in hand54/58€90k€88k▼
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€163k€147k▼
Equity10/15€107k€31k▼
Contributions10/11€10k€10k=
Reserves13€18k€18k=
Distributable reserves133€18k€18k=
Profit (loss) carried forward14€79k€4k▼
Amounts payable17/49€56k€116k▲
Amounts payable after more than one year17€21k€10k▼
Financial debts170/4€21k€10k▼
Amounts payable within one year42/48€35k€106k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€7k€3k▼
Suppliers440/4€7k€3k▼
Taxes, remuneration and social security45€16k€2k▼
Taxes450/3€16k€2k▼
Other amounts payable47/48-€89k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€11k▼
Other operating charges640/8€627€2k▲
Gross operating margin9900€96k€92k▼
Operating profit (loss)9901€82k€79k▼
Financial income75/76B€1k€912▼
Recurring financial income75€1k€912▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€81k€78k▼
Income taxes67/77€16k€15k▼
Profit (loss) for the period9904€65k€63k▼
Profit (loss) for the period to be appropriated9905€65k€63k▼
Appropriation of the result
Profit (loss) to be appropriated9906€79k€142k▲
Profit (loss) brought forward from the previous period14P€14k€79k▲
Profit to be distributed694/7-€138k
Return on contributions (dividend)694-€138k
The notes to these accounts (10 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
16-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Highest result since 2022net €65k ▲362%
Operating result €82k, net result €65k, both a record.
31-12
Financial
Equity above €100kEq €107k ▲155%
3 profitable years in a row build equity to €107k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €14k ▼20.7%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
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, Liège · 1 establishment unit since 2022
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.
Rue de Tilff 4144031 LiègeGround area
1,678 m²
Building footprint
96 m²
Volume, LiDAR
532 m³
Parcel 62002C0241/00_000, Wallonia · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SV & CO
since 20222.336.286.372
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62002C0241/00_000 | Wallonia | 1,678 m² | 1 · 96 m² | 9.7 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.
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Of 22,054 companies in sector 69101 we hold annual accounts for 9,053. 6,726 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-03-2022
Fiscal year end31-12
Trade name FR
SV LAW
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.