Svaldes
ActiveSvaldes has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26k and a net result of €3k. Equity is growing by ~28.4% per year across the filed fiscal years. Its solvency ranks better than 59% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +38 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54▲+54
Solvency100=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.78 against 3.19 in 2024), and 35.3% 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+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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
64.7%
Return on assets
7%
Age of the figures
8 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 · 7 filingsDeviation from the deadline
2025
17 d late
2024
29 d late
2023
30 d late
2022
30 d late
2021
31 d late
2020
89 d late
2019
101 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€26k▲ 12.0%
2024 · €23k
2019: €7k
2020: €6k
2021: €5k
2022: €14k
2023: €31k
2024: €23k
2019 → 2025
Total assets
€40k▲ 18.9%
2024 · €34k
2019: €20k
2020: €17k
2021: €19k
2022: €34k
2023: €41k
2024: €34k
2019 → 2025
Net result
€3k
2024 · €-7k
2019: €1k
2020: €-2k
2021: €-169
2022: €-1k
2023: €16k
2024: €-7k
2019 → 2025
Working capital
€25k▲ 9.1%
2024 · €23k
2019: €7k
2020: €6k
2021: €5k
2022: €14k
2023: €31k
2024: €23k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€14k▲ 166%€31k▲ 113%€23k▼ 24.4%€26k▲ 12.0%
Operating result€1k-€-1k€19k€-7k€2k
Net result€-169-€-1k▼ 497%€16k€-7k€3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €2k after a loss of €7k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €40k
Fixed assets
€693
Current assets
€39k
Equity and liabilities €40k
Equity
€26k▲ 12.0%
Debt
€14k▲ 34.0%
The debt ratio rises from 31.3% to 35.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€2k
Cash flow
€3k
Solvency
64.7%▼
2024 · 68.7%
Current ratio
2.78▼
2024 · 3.19
Quick ratio
2.78▼
2024 · 3.19
Debt / equity
0.55▲
2024 · 0.46
ROE
10.7%▲
2024 · -32.3%
ROA
7.0%▲
2024 · -22.2%
Interest coverage
18.66
Debt
€14k▲
2024 · €11k
Debt ≤ 1 year
€14k▲
2024 · €11k
Income taxes
€357▲
2024 · €120
Staff costs
€250
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€34k€40k▲
Fixed assets21/28-€693
Tangible fixed assets22/27-€693
Plant, machinery and equipment23-€693
Current assets29/58€34k€39k▲
Amounts receivable within one year40/41€24k€26k▲
Trade receivables40€1k€8k▲
Other amounts receivable41€22k€19k▼
Cash at bank and in hand54/58€3k€8k▲
Deferred charges and accrued income490/1€7k€5k▼
Equity and liabilities
Total equity and liabilities10/49€34k€40k▲
Equity10/15€23k€26k▲
Contributions10/11€6k€6k=
Reserves13€16k€16k=
Distributable reserves133€16k€16k=
Profit (loss) carried forward14€704€3k▲
Amounts payable17/49€11k€14k▲
Amounts payable within one year42/48€11k€14k▲
Current portion of amounts payable after more than one year42€6k€3k▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€2k€9k▲
Taxes450/3€2k€9k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€250
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€32
Other operating charges640/8€387€780▲
Gross operating margin9900€-7k€3k▲
Operating profit (loss)9901€-7k€2k▲
Financial income75/76B€1k€981▼
Recurring financial income75€1k€981▼
Financial charges65/66B€1k€125▼
Recurring financial charges65€1k€125▼
Profit (loss) for the period before taxes9903€-7k€3k▲
Income taxes67/77€120€357▲
Profit (loss) for the period9904€-7k€3k▲
Profit (loss) for the period to be appropriated9905€-7k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€704€3k▲
Profit (loss) brought forward from the previous period14P€8k€704▼
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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-7k ▼146%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €16k
Net result €16k after 3 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 3.90
Current ratio from 1.75 to 3.90; short-term debt falls from €19k to €11k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Fernelmont · 1 establishment unit since 2018
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 Salinas, Nov. 225380 FernelmontGround area
990 m²
Building footprint
87 m²
Parcel 92096B0275/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
SVALDES
since 20182.279.250.075
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92096B0275/00F000 | Wallonia | 990 m² | 1 · 87 m² | - |
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 82,218 companies in sector 70200 we hold annual accounts for 52,396. 33,126 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-08-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:sv@svaldes.be
Phone:0473662787