SVENCO
ActiveSVENCO has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €10k. Equity is growing by ~17.7% per year across the filed fiscal years. Its solvency ranks better than 68% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
90
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency97=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.82 against 4.76 in 2024), and 44.1% 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
55.9%
Return on assets
12.5%
Age of the figures
8 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 12-08-2026, 12 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 · 10 filingsDeviation from the deadline
2025
12 d late
2024
8 d late
2023
30 d late
2022
2 d early
2021
29 d late
2020
6 d late
2019
18 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€45k▼ 9.6%
2024 · €49k
2018: €-3k
2019: €20k
2020: €28k
2021: €29k
2022: €29k
2023: €34k
2024: €49k
2018 → 2025
Total assets
€80k▼ 10.5%
2024 · €89k
2018: €15k
2019: €54k
2020: €56k
2021: €52k
2022: €45k
2023: €46k
2024: €89k
2018 → 2025
Net result
€10k▼ 43.5%
2024 · €18k
2018: €9k
2019: €26k
2020: €15k
2021: €6k
2022: €5k
2023: €5k
2024: €18k
2018 → 2025
Working capital
€35k▼ 6.9%
2024 · €38k
2018: €-11k
2019: €18k
2020: €26k
2021: €27k
2022: €28k
2023: €26k
2024: €38k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€29k▲ 1.5%€34k▲ 16.6%€49k▲ 44.3%€45k▼ 9.6%
Operating result€13k-€7k▼ 45.0%€8k▲ 13.6%€24k▲ 189%€17k▼ 29.9%
Net result€6k-€5k▼ 11.0%€5k▼ 10.5%€18k▲ 262%€10k▼ 43.5%
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 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €80k
Fixed assets
€32k▼ 22.4%
Current assets
€48k▼ 0.3%
Equity and liabilities €80k
Equity
€45k▼ 9.6%
Provisions
€1k▼ 20.7%
Debt
€34k▼ 11.4%
The debt ratio falls from 43.0% to 42.6%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€26k▼
2024 · €27k
Cash flow
€19k▼
2024 · €21k
Solvency
55.9%▲
2024 · 55.3%
Current ratio
3.82▼
2024 · 4.76
Quick ratio
3.82▼
2024 · 4.76
Debt / equity
0.76▼
2024 · 0.78
ROE
22.3%▼
2024 · 35.7%
ROA
12.5%▼
2024 · 19.8%
Interest coverage
18.01▼
2024 · 27.64
Debt
€34k▼
2024 · €38k
Debt ≤ 1 year
€13k▲
2024 · €10k
Debt > 1 year
€22k▼
2024 · €28k
Income taxes
€5k▲
2024 · €4k
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€89k€80k▼
Fixed assets21/28€41k€32k▼
Tangible fixed assets22/27€39k€30k▼
Plant, machinery and equipment23€845€62▼
Furniture and vehicles24€36k€28k▼
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€3k€3k=
Current assets29/58€48k€48k▼
Amounts receivable within one year40/41€41k€31k▼
Trade receivables40€9k€3k▼
Other amounts receivable41€32k€28k▼
Cash at bank and in hand54/58€6k€15k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€89k€80k▼
Equity10/15€49k€45k▼
Contributions10/11€6k€6k=
Reserves13€43k€38k▼
Tax-exempt reserves132€4k€4k▼
Distributable reserves133€39k€35k▼
Provisions and deferred taxes16€1k€1k▼
Deferred taxes168€1k€1k▼
Amounts payable17/49€38k€34k▼
Amounts payable after more than one year17€28k€22k▼
Financial debts170/4€28k€22k▼
Amounts payable within one year42/48€10k€13k▲
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€1k€4k▲
Taxes450/3€1k€4k▲
Income statement
Code20242025
Non-recurring operating income76A€6k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€9k▲
Other operating charges640/8€1k€923▼
Gross operating margin9900€28k€27k▼
Operating profit (loss)9901€24k€17k▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€984€1k▲
Recurring financial charges65€984€1k▲
Profit (loss) for the period before taxes9903€23k€15k▼
Transfer from deferred taxes780€52€310▲
Transfer to deferred taxes680€2k-
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€18k€10k▼
Transfer from tax-exempt reserves789€155€930▲
Transfer to tax-exempt reserves689€5k-
Profit (loss) for the period to be appropriated9905€13k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€11k▼
Profit (loss) brought forward from the previous period14P€149€0▼
Transfer from equity791/2-€15k
Transfer to equity691/2€11k€11k▲
To other reserves6921€11k€11k▲
Profit to be distributed694/7€3k€15k▲
Return on contributions (dividend)694-€15k
Directors or managers695€3k-
The notes to these accounts (7 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
08-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €5k ▼10.5%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 6 days late
2020
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 18 days late
2019
31-12
Financial
Highest result since 2018net €26k ▲195%
Operating result €27k, net result €26k, both a record.
31-12
Financial
Liquidity times 8current ratio 2.84
Current ratio from 0.36 to 2.84; short-term debt falls from €17k to €10k.
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Schoten · 2 establishment units since 2000
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.
Korte Braamstraat 192900 SchotenGround area
325 m²
Building footprint
203 m²
Volume, LiDAR
1,218 m³
2 parcels, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
SVENCO
since 20002.101.949.121
Leo Van Hullebuschstraat 102, 2900 Schoten
since 20222.328.684.839
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11442C0440/00F010 | Flanders | 198 m² | 1 · 99 m² | 10.5 m · 2 fl. |
| 11040D0515/00V002 | Flanders | 127 m² | 1 · 105 m² | 9.0 m · 2 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 2,429 companies in sector 47820 we hold annual accounts for 764. 541 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-12-1999
Fiscal year end31-12
Activities, NACEBEL
47820Retail sale of motor vehicle parts and accessories
64120
53200Other postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.