Svendy
ActiveSvendy has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32k and a net result of €30k. Its solvency ranks better than 76% of 7757 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency92
Growth-
Track record67
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 3.05; short-term debt: 32.8% and cash: 92.1% of total assets), and 32.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
67.2%
Return on assets
63%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€32k
Total assets
€48k
Net result
€30k
Working capital
€32k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Equity and liabilities €48k
Equity
€32k
Debt
€16k
Debt finances 32.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€43k
Cash flow
€35k
Solvency
67.2%
Current ratio
3.05
Quick ratio
3.05
Debt / equity
0.49
ROE
93.8%
ROA
63.0%
Interest coverage
282.81
Debt
€16k
Debt ≤ 1 year
€16k
Income taxes
€8k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€48k
Current assets29/58€48k
Amounts receivable within one year40/41€3k
Trade receivables40€2k
Other amounts receivable41€1k
Cash at bank and in hand54/58€44k
Deferred charges and accrued income490/1€481
Equity and liabilities
Total equity and liabilities10/49€48k
Equity10/15€32k
Contributions10/11€2k
Outside capital11€2k
Other1109/19€2k
Reserves13€30k
Distributable reserves133€30k
Amounts payable17/49€16k
Amounts payable within one year42/48€16k
Trade debts44€851
Suppliers440/4€851
Taxes, remuneration and social security45€8k
Taxes450/3€8k
Other amounts payable47/48€7k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k
Other operating charges640/8€925
Gross operating margin9900€44k
Operating profit (loss)9901€38k
Financial charges65/66B€152
Recurring financial charges65€152
Profit (loss) for the period before taxes9903€38k
Income taxes67/77€8k
Profit (loss) for the period9904€30k
Profit (loss) for the period to be appropriated9905€30k
Appropriation of the result
Profit (loss) to be appropriated9906€30k
Transfer to equity691/2€30k
To other reserves6921€30k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
NBB filing
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, Geel · 1 establishment unit since 2024
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.
Kalvariebergstraat 92440 GeelGround area
333 m²
Building footprint
138 m²
Volume, LiDAR
489 m³
Parcel 13375N0411/00L000, Flanders · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Svendy
since 20242.367.431.389
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13375N0411/00L000 | Flanders | 333 m² | 1 · 138 m² | 6.5 m · 1 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.
Similar companies · same sector, comparable size
Alpeco Dakwerken
BE 0787.318.910
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TOITURE DI PANE
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BNE TOITURES
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Dakwerken Thomas
BE 0777.973.058
Destelbergen · Eq €32k
GK Menuiserie et Toiture
BE 1006.682.034
Durbuy · Eq €32k
Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,446 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2024
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43310Plastering work
43320Joinery installation
43341Painting of buildings
43990Other specialised construction activities
43999Specialised construction activities
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.