SVECHRISO
ActiveSVECHRISO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.04M and a net result of €441. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 68% of 621 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability16▼-40
Solvency99▼-1
Growth35▼-17
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 3.97 against 4.9 in 2024), and 36% 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.
−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 74
Relative position
BE, all sectors
reference
Sector 74
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%
Return on assets
0%
Age of the figures
8 mo
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
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-09-2026, 33 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
33 d late
2024
31 d early
2023
31 d early
2022
35 d early
2021
34 d early
2020
40 d early
2019
35 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€9k▼ 63.0%
2024 · €25k
2018: €180k
2019: €187k
2020: €170k
2021: €106k
2022: €55k
2023: €30k
2024: €25k
2018 → 2025
EBIT margin
-149.2%▼ 143.9pp
2024 · -5.3%
2018: 64.1%
2019: 62.4%
2020: 58.5%
2021: 16.6%
2022: 12.7%
2023: -6.4%
2024: -5.3%
2018 → 2025
Net result
€441▼ 99.8%
2024 · €212k
2018: €36k
2019: €40k
2020: €38k
2021: €8k
2022: €53k
2023: €164k
2024: €212k
2018 → 2025
Working capital
€562k▼ 5.8%
2024 · €597k
2018: €369k
2019: €409k
2020: €441k
2021: €440k
2022: €344k
2023: €432k
2024: €597k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€106k-€55k▼ 47.7%€30k▼ 46.2%€25k▼ 16.2%€9k▼ 63.0%
Equity€2.91M-€2.82M▼ 2.8%€2.91M▲ 3.1%€3.08M▲ 5.9%€3.04M▼ 1.2%
Operating result€18k-€7k▼ 60.0%€-2k€-1k▲ 31.2%€-14k▼ 948%
Net result€8k-€53k▲ 525%€164k▲ 212%€212k▲ 29.4%€441▼ 99.8%
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 €14k in 2025 against €1k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.76M
Fixed assets
€4.00M▼ 0.1%
Current assets
€752k▲ 0.2%
Equity and liabilities €4.76M
Equity
€3.04M▼ 1.2%
Debt
€1.71M▲ 2.2%
The debt ratio rises from 35.2% to 36.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-10k▼
2024 · €2k
Cash flow
€4k▼
2024 · €215k
Solvency
64.0%▼
2024 · 64.8%
Current ratio
3.97▼
2024 · 4.90
Quick ratio
3.97▼
2024 · 4.90
Debt / equity
0.56▲
2024 · 0.54
ROE
0.0%▼
2024 · 6.9%
ROA
0.0%▼
2024 · 4.5%
Interest coverage
-0.66▼
2024 · 0.02
Debt
€1.71M▲
2024 · €1.67M
Debt ≤ 1 year
€190k▲
2024 · €153k
Debt > 1 year
€1.52M=
2024 · €1.52M
Income taxes
€11k▼
2024 · €22k
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€4.76M€4.76M=
Fixed assets21/28€4.01M€4.00M▼
Tangible fixed assets22/27€17k€14k▼
Land and buildings22€5k€4k▼
Furniture and vehicles24€12k€10k▼
Financial fixed assets28€3.99M€3.99M=
Current assets29/58€750k€752k▲
Amounts receivable within one year40/41€405€1k▲
Trade receivables40€405€1k▲
Other amounts receivable41-€116
Current investments50/53€448k€472k▲
Cash at bank and in hand54/58€300k€279k▼
Deferred charges and accrued income490/1€1k€0▼
Equity and liabilities
Total equity and liabilities10/49€4.76M€4.76M=
Equity10/15€3.08M€3.04M▼
Contributions10/11€2.03M€2.03M=
Reserves13€1.05M€1.02M▼
Non-distributable reserves130/1€43k€43k=
Reserves not available under the articles1311€43k€43k=
Distributable reserves133€1.01M€973k▼
Amounts payable17/49€1.67M€1.71M▲
Amounts payable after more than one year17€1.52M€1.52M=
Financial debts170/4€1.52M€1.52M=
Amounts payable within one year42/48€153k€190k▲
Trade debts44€4k€611▼
Suppliers440/4€4k€611▼
Taxes, remuneration and social security45€58k€51k▼
Taxes450/3€58k€51k▼
Other amounts payable47/48€92k€138k▲
Income statement
Code20242025
Turnover70€25k€9k▼
Goods, raw materials, services and sundry goods60/61€30k€26k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€3k€731▼
Gross operating margin9900€4k€-9k▼
Operating profit (loss)9901€-1k€-14k▼
Financial income75/76B€312k€40k▼
Recurring financial income75€312k€40k▼
Financial charges65/66B€76k€15k▼
Recurring financial charges65€76k€15k▼
Profit (loss) for the period before taxes9903€234k€11k▼
Income taxes67/77€22k€11k▼
Profit (loss) for the period9904€212k€441▼
Profit (loss) for the period to be appropriated9905€212k€441▼
Appropriation of the result
Profit (loss) to be appropriated9906€212k€441▼
Transfer from equity791/2€40k€37k▼
Transfer to equity691/2€211k€441▼
To other reserves6921€211k€441▼
Profit to be distributed694/7€40k€37k▼
Directors or managers695€40k€37k▼
The notes to these accounts (8 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
02-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 33 days late
2025
31-12
Financial
Weakest financial yearnet €441 ▼99.8%
Net result drops to €441, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €212k ▲29.4%
Net result €212k, the highest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2022
Christel Dam
CurrentDirector · since 01-07-2022
01-07-2022
Appointed as Director
Location & real-estate footprint
Registered office, Zoersel · 1 establishment unit since 2008
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.
Jachthoornlaan 362980 ZoerselGround area
2,539 m²
Building footprint
261 m²
Volume, LiDAR
1,318 m³
Parcel 11055C0155/00F000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SVECHRISO
since 20082.175.867.574
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11055C0155/00F000 | Flanders | 2,539 m² | 1 · 261 m² | 8.4 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.
Recognitions · licences · registrations
Legal Entity Identifier
8755008KS7NCCH8BTE19
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QUADRILLE
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Of 882 companies in sector 74991 we hold annual accounts for 313. 57 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-12-2008
Fiscal year end31-12
Activities, NACEBEL
74901Other professional, scientific and technical activities
74991Agents and managers of artists, athletes and other public figures
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.