SVIM
ActiveSVIM has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €96k and a net result of €9k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 69% of 36377 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
94
/ 100
Excellent▲ +42 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability45▲+45
Solvency99=
Growth52=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.72 against 2.71 in 2023), and 36.6% 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 →
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 · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-07-2025, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
27 d early
2023
30 d early
2022
33 d early
2021
69 d early
2020
43 d early
2019
51 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€96k▲ 9.8%
2023 · €87k
2018: €72k
2019: €72k
2020: €96k
2021: €98k
2022: €102k
2023: €87k
2018 → 2024
Total assets
€151k▲ 5.9%
2023 · €142k
2018: €90k
2019: €94k
2020: €153k
2021: €147k
2022: €172k
2023: €142k
2018 → 2024
Net result
€9k
2023 · €-15k
2018: €14k
2019: €-119
2020: €25k
2021: €2k
2022: €3k
2023: €-15k
2018 → 2024
Working capital
€79k▲ 22.7%
2023 · €64k
2018: €72k
2019: €71k
2020: €75k
2021: €78k
2022: €77k
2023: €64k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€96k-€98k▲ 2.0%€102k▲ 3.5%€87k▼ 14.5%€96k▲ 9.8%
Operating result€34k-€3k▼ 92.5%€4k▲ 75.6%€-14k€10k
Net result€25k-€2k▼ 92.1%€3k▲ 73.2%€-15k€9k
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 2024: €10k after a loss of €14k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €151k
Fixed assets
€26k▼ 36.0%
Current assets
€125k▲ 22.4%
Equity and liabilities €151k
Equity
€96k▲ 9.8%
Debt
€55k▼ 0.2%
The debt ratio falls from 38.8% to 36.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€24k▲
2023 · €-31
Cash flow
€23k▲
2023 · €-683
Solvency
63.4%▲
2023 · 61.2%
Current ratio
2.72▲
2023 · 2.71
Quick ratio
2.72▲
2023 · 2.71
Debt / equity
0.58▼
2023 · 0.63
ROE
8.9%▲
2023 · -17.0%
ROA
5.7%▲
2023 · -10.4%
Interest coverage
40.48▲
2023 · -0.04
Debt
€55k▼
2023 · €55k
Debt ≤ 1 year
€46k▲
2023 · €38k
Debt > 1 year
€9k▼
2023 · €18k
Income taxes
€573▲
2023 · €27
Staff costs
€963▼
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€142k€151k▲
Fixed assets21/28€40k€26k▼
Tangible fixed assets22/27€40k€25k▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€40k€25k▼
Financial fixed assets28€340€340=
Current assets29/58€102k€125k▲
Amounts receivable within one year40/41€23k€36k▲
Trade receivables40€16k€27k▲
Other amounts receivable41€6k€9k▲
Cash at bank and in hand54/58€79k€89k▲
Deferred charges and accrued income490/1€317€382▲
Equity and liabilities
Total equity and liabilities10/49€142k€151k▲
Equity10/15€87k€96k▲
Contributions10/11€15k€15k=
Reserves13€36k€44k▲
Distributable reserves133€36k€44k▲
Profit (loss) carried forward14€36k€37k▲
Amounts payable17/49€55k€55k▼
Amounts payable after more than one year17€18k€9k▼
Financial debts170/4€18k€9k▼
Amounts payable within one year42/48€38k€46k▲
Current portion of amounts payable after more than one year42€11k€8k▼
Trade debts44€18k€26k▲
Suppliers440/4€18k€26k▲
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€0€0=
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€6k€10k▲
Income statement
Code20232024
Remuneration, social security and pensions62€3k€963▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▲
Other operating charges640/8€843€1k▲
Gross operating margin9900€4k€26k▲
Operating profit (loss)9901€-14k€10k▲
Financial income75/76B€118€31▼
Recurring financial income75€118€31▼
Financial charges65/66B€743€595▼
Recurring financial charges65€743€595▼
Profit (loss) for the period before taxes9903€-15k€9k▲
Income taxes67/77€27€573▲
Profit (loss) for the period9904€-15k€9k▲
Profit (loss) for the period to be appropriated9905€-15k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€36k€45k▲
Profit (loss) brought forward from the previous period14P€51k€36k▼
Transfer to equity691/2-€8k
To other reserves6921-€8k
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
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-15k ▼536%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €102k ▲3.5%
3 profitable years in a row build equity to €102k.
23-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
06-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ans · 1 establishment unit since 2012
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 d'Othée 94430 AnsGround area
250 m²
Building footprint
78 m²
Parcel 62003A0043/00C013, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue d'Othée 9, 4430 Ans
since 20122.206.794.045
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62003A0043/00C013 | Wallonia | 250 m² | 1 · 78 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.
Similar companies · same sector, comparable size
Tegelwerken Cuelenaere-Verwilst
BE 0678.460.263
Maldegem · Eq €96k
Trossaert Tim
BE 0779.323.932
Zottegem · Eq €95k
CANDA
BE 0808.649.606
Hechtel-Eksel · Eq €96k
SEGERS KRIS
BE 0890.985.679
Wommelgem · Eq €96k
TEGELS - MOCO
BE 0419.510.548
Maasmechelen · Eq €95k
Of 3,937 companies in sector 43331 we hold annual accounts for 1,777. 1,543 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-2012
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
43422Screed work
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.