SVIS
ActiveSummary
The computed 12-month bankruptcy probability of SVIS is 2.2% (moderate). The 2025 annual accounts show equity of €61,266 and a net result of €37,797. Equity is growing by ~118.1% per year across the filed fiscal years. Its solvency ranks better than 41% of 7598 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability96▲+11
Solvency60▲+18
Growth78=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,500 at 30 days acceptable
Liquidity ample (current ratio 1.75 against 1.36 in 2024; short-term debt: 46.6% and cash: 3.9% of total assets), but 64.9% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
35.1%
Return on assets
21.7%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-01-2026, 9 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
9 d early
2024
45 d early
2023
48 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 34 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 17 December (3 of the last 3 filed years within 36 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close29-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€61,266▲ 161%
2024 · €23,469
Total assets
€174,579▲ 29.5%
2024 · €134,849
Net result
€37,797▲ 114%
2024 · €17,635
Working capital
€61,299▲ 143%
2024 · €25,182
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€3,964-€23,303▲ 488%€46,359▲ 98.9%
Net result€2,835within the sector's middle half-€17,635within the sector's middle half▲ 522%€37,797above the sector's middle half▲ 114%
Equity€5,835below the sector's middle half-€23,469within the sector's middle half▲ 302%€61,266within the sector's middle half▲ 161%
Total assets€16,108below the sector's middle half-€134,849within the sector's middle half▲ 737%€174,579within the sector's middle half▲ 29.5%
Debt€10,274-€111,380▲ 984%€113,313▲ 1.7%
Working capital€2,817within the sector's middle half-€25,182within the sector's middle half▲ 794%€61,299within the sector's middle half▲ 143%
Solvency36.2%within the sector's middle half-17.4%below the sector's middle half▼ 18.8pp35.1%within the sector's middle half▲ 17.7pp
Current ratio1.27within the sector's middle half-1.36within the sector's middle half▲ 0.091.75within the sector's middle half▲ 0.39
Return on assets (ROA)17.6%within the sector's middle half-13.1%within the sector's middle half▼ 4.5pp21.7%above the sector's middle half▲ 8.6pp
Staff (FTE)0.80.9▲ 12.5%
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 99% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €174,579
Fixed assets
€31,873 ▼ 21.4%
Current assets
€142,707 ▲ 51.4%
Equity and liabilities €174,579
Equity
€61,266 ▲ 161%
Debt
€113,313 ▲ 1.7%
Debt's share of the balance-sheet total falls from 82.6% to 64.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€56,375▲
2024 · €26,750
Cash flow
€47,813▲
2024 · €21,081
Debt to equity
1.85▼
2024 · 4.75
ROE
61.7%▼
2024 · 75.1%
Interest coverage
22.22▼
2024 · 24.51
Debt ≤ 1 year
€81,408▲
2024 · €69,098
Debt > 1 year
€31,905▼
2024 · €42,282
Income taxes
€9,647▲
2024 · €4,770
Staff costs
€48,580▼
2024 · €49,650
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.8%
went bankrupt
2.3%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €49,650 | €48,580 | ▼ 2.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €932 | €3,446 | €10,015 | ▲ 191% |
| Other operating charges640/8 | €514 | €858 | €560 | ▼ 34.7% |
| Gross operating margin9900 | €5,410 | €77,258 | €105,515 | ▲ 36.6% |
| Operating profit (loss)9901 | €3,964 | €23,303 | €46,359 | ▲ 98.9% |
| Financial income75/76B | €11 | €193 | €3,622 | ▲ 1,779% |
| Recurring financial income75 | €11 | €193 | €3,622 | ▲ 1,779% |
| Financial charges65/66B | €13 | €1,091 | €2,537 | ▲ 132% |
| Recurring financial charges65 | €13 | €1,091 | €2,537 | ▲ 132% |
| Profit (loss) for the period before taxes9903 | €3,962 | €22,405 | €47,445 | ▲ 112% |
| Income taxes67/77 | €1,128 | €4,770 | €9,647 | ▲ 102% |
| Profit (loss) for the period9904 | €2,835 | €17,635 | €37,797 | ▲ 114% |
| Profit (loss) for the period to be appropriated9905 | €2,835 | €17,635 | €37,797 | ▲ 114% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €16,108 | €134,849 | €174,579 | ▲ 29.5% |
| Fixed assets21/28 | €3,018 | €40,569 | €31,873 | ▼ 21.4% |
| Tangible fixed assets22/27 | €3,018 | €40,569 | €31,873 | ▼ 21.4% |
| Plant, machinery and equipment23 | - | - | €938 | - |
| Furniture and vehicles24 | €3,018 | €2,304 | €690 | ▼ 70.0% |
| Leasing and similar rights25 | - | €38,265 | €30,244 | ▼ 21.0% |
| Current assets29/58 | €13,091 | €94,280 | €142,707 | ▲ 51.4% |
| Amounts receivable within one year40/41 | €7,015 | €52,162 | €135,921 | ▲ 161% |
| Trade receivables40 | €6,161 | €33,574 | €14,371 | ▼ 57.2% |
| Other amounts receivable41 | €853 | €18,589 | €121,551 | ▲ 554% |
| Cash at bank and in hand54/58 | €6,076 | €2,011 | €6,785 | ▲ 237% |
| Deferred charges and accrued income490/1 | - | €40,106 | - | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €16,108 | €134,849 | €174,579 | ▲ 29.5% |
| Equity10/15 | €5,835 | €23,469 | €61,266 | ▲ 161% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €2,835 | €20,469 | €58,266 | ▲ 185% |
| Amounts payable17/49 | €10,274 | €111,380 | €113,313 | ▲ 1.7% |
| Amounts payable after more than one year17 | - | €42,282 | €31,905 | ▼ 24.5% |
| Financial debts170/4 | - | €42,282 | €31,905 | ▼ 24.5% |
| Amounts payable within one year42/48 | €10,274 | €69,098 | €81,408 | ▲ 17.8% |
| Current portion of amounts payable after more than one year42 | - | €9,886 | €10,377 | ▲ 5.0% |
| Trade debts44 | €4,742 | €51,547 | €57,907 | ▲ 12.3% |
| Suppliers440/4 | €4,742 | €51,547 | €57,907 | ▲ 12.3% |
| Taxes, remuneration and social security45 | €4,706 | €7,664 | €13,123 | ▲ 71.2% |
| Taxes450/3 | €4,706 | €4,770 | €11,808 | ▲ 148% |
| Remuneration and social security454/9 | - | €2,894 | €1,315 | ▼ 54.6% |
| Other amounts payable47/48 | €825 | - | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,835 | €17,635 | €37,797 | ▲ 114% |
| + Depreciation and write-downs630 | €932 | €3,446 | €10,015 | ▲ 191% |
| Operating cash flow (approximation) | €3,766 | €21,081 | €47,813 | ▲ 127% |
| Investment in fixed assets (approximation) | - | -€40,998 | -€1,319 | ▲ 96.8% |
| Change in cash | - | -€4,065 | €4,774 | ▲ 217% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2023net €37,797 ▲114%
Operating result €46,359, net result €37,797, both a record.
2024
17-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
14-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Leuven · 1 establishment unit since 2022
Ground area
371 m²
Building footprint
225 m²
Volume, LiDAR
1,367 m³
Parcel 24051C0110/00A012, Flanders · tallest building 13.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SVIS
since 20222.337.641.206
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24051C0110/00A012 | Flanders | 371 m² | 1 · 225 m² | 13.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
CENTRAL CONSTRUCT BELGIUM
BE 0824.983.911
Zaventem · Eq €61,280
A.K.D. GROUP
BE 0719.852.242
Brussel · Eq €61,283
BOUWONDERNEMING VRABO
BE 0437.303.516
Beveren-Kruibeke-Zwijndrecht · Eq €61,248
DAVANY
BE 0892.901.232
Schaarbeek · Eq €61,288
MICICO
BE 0804.424.364
Aalter · Eq €61,292
Of 29,785 companies in sector 41001 we hold annual accounts for 16,058. 13,198 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded24-10-2022
Fiscal year end30-06
Activities, NACEBEL 2025
41001General construction of residential buildings
43221Plumbing work
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
81300Landscape service activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0792795054
Registered
12-06-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.