SV Renovations
ActiveThe computed 12-month bankruptcy probability of SV Renovations is 2.8% (moderate). The 2025 annual accounts show equity of €53k and a net result of €-4k. Equity is growing by ~32% per year across the filed fiscal years. Its solvency ranks better than 69% of 27711 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-87
Solvency90▲+13
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity ample (current ratio 2.75 against 2.08 in 2024; short-term debt: 35.2% and cash: 1.5% of total assets), and 35.2% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
64.8%
Return on assets
-4.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
28 d early
2023
6 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€53k▼ 6.7%
2024 · €57k
2023: €19k
2024: €57k
2023 → 2025
Total assets
€82k▼ 24.4%
2024 · €109k
2023: €33k
2024: €109k
2023 → 2025
Net result
€-4k
2024 · €38k
2023: €14k
2024: €38k
2023 → 2025
Working capital
€51k▼ 7.4%
2024 · €55k
2023: €15k
2024: €55k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€19k-€57k▲ 198%€53k▼ 6.7%
Operating result€20k-€51k▲ 155%€-4k
Net result€14k-€38k▲ 168%€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €51k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €82k
Fixed assets
€2k▼ 14.6%
Current assets
€80k▼ 24.6%
Equity and liabilities €82k
Equity
€53k▼ 6.7%
Debt
€29k▼ 43.9%
The debt ratio falls from 47.5% to 35.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-3k▼
2024 · €52k
Cash flow
€-3k▼
2024 · €39k
Solvency
64.8%▲
2024 · 52.5%
Current ratio
2.75▲
2024 · 2.08
Quick ratio
2.75▲
2024 · 2.08
Debt / equity
0.54▼
2024 · 0.91
ROE
-7.1%▼
2024 · 66.4%
ROA
-4.6%▼
2024 · 34.9%
Interest coverage
-1.65▼
2024 · 16.86
Debt
€29k▼
2024 · €52k
Debt ≤ 1 year
€29k▼
2024 · €51k
Income taxes
€131▼
2024 · €10k
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€109k€82k▼
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€855€571▼
Furniture and vehicles24€2k€2k▼
Current assets29/58€106k€80k▼
Amounts receivable within one year40/41€101k€75k▼
Trade receivables40€19k€29k▲
Other amounts receivable41€83k€46k▼
Cash at bank and in hand54/58€523€1k▲
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€109k€82k▼
Equity10/15€57k€53k▼
Contributions10/11€5k€5k=
Reserves13€50k€50k=
Distributable reserves133€50k€50k=
Profit (loss) carried forward14€2k€-2k▼
Amounts payable17/49€52k€29k▼
Amounts payable within one year42/48€51k€29k▼
Trade debts44€22k€11k▼
Suppliers440/4€22k€11k▼
Taxes, remuneration and social security45€16k€2k▼
Taxes450/3€16k€2k▼
Other amounts payable47/48€13k€16k▲
Accrued charges and deferred income492/3€649-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€894€902▲
Other operating charges640/8€790€757▼
Gross operating margin9900€53k€-2k▼
Operating profit (loss)9901€51k€-4k▼
Financial income75/76B€219€2k▲
Recurring financial income75€219€2k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€48k€-4k▼
Income taxes67/77€10k€131▼
Profit (loss) for the period9904€38k€-4k▼
Profit (loss) for the period to be appropriated9905€38k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€-2k▼
Profit (loss) brought forward from the previous period14P€137€2k▲
Transfer to equity691/2€36k-
To other reserves6921€36k-
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-4k ▼110%
Net result drops to €-4k, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €38k ▲168%
Operating result €51k, net result €38k, both a record.
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 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, Antwerpen · 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.
Karel Seclefstraat 202180 AntwerpenGround area
244 m²
Building footprint
80 m²
Volume, LiDAR
394 m³
Parcel 11363E0105/00G005, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SV Renovations
since 20222.339.860.823
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11363E0105/00G005 | Flanders | 244 m² | 1 · 80 m² | 7.9 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.
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RECU
BE 0694.908.493
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MoD Concept
BE 1009.685.668
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EMA CONCEPT
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Of 7,294 companies in sector 43350 we hold annual accounts for 2,361. 2,004 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2022
Fiscal year end31-12
Activities, NACEBEL
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.