SVL
ActiveSummary
The computed 12-month bankruptcy probability of SVL is 2.5% (moderate). The 2024 annual accounts show equity of €28,621 and a net result of €22,389. Equity is growing by ~112.6% per year across the filed fiscal years. Its solvency ranks better than 49% of 5899 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability100▲+63
Solvency65▲+24
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 1.55 against 0.7 in 2023; short-term debt: 44.9% and cash: 20.2% of total assets), but 59.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
+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 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
40.5%
Return on assets
31.7%
Age of the figures
21 mo
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 21-05-2025, 71 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
71 d early
2023
128 d late
2022
31 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 9 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€28,621▲ 359%
2023 · €6,232
Total assets
€70,699▲ 78.0%
2023 · €39,727
Net result
€22,389
2023 · -€2,569
Working capital
€17,423
2023 · -€5,621
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 81, Services to buildings and landscape activities, 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
Line202220232024
Operating result€9,842-€988▼ 90.0%€28,453▲ 2,779%
Net result€6,802within the sector's middle half--€2,569below the sector's middle half€22,389within the sector's middle half
Equity€8,802below the sector's middle half-€6,232below the sector's middle half▼ 29.2%€28,621within the sector's middle half▲ 359%
Total assets€14,136below the sector's middle half-€39,727below the sector's middle half▲ 181%€70,699within the sector's middle half▲ 78.0%
Debt€5,335-€33,495▲ 528%€42,078▲ 25.6%
Working capital€7,744within the sector's middle half--€5,621within the sector's middle half€17,423within the sector's middle half
Solvency62.3%within the sector's middle half-15.7%below the sector's middle half▼ 46.6pp40.5%within the sector's middle half▲ 24.8pp
Current ratio2.73above the sector's middle half-0.70below the sector's middle half▼ 2.031.55within the sector's middle half▲ 0.85
Return on assets (ROA)48.1%above the sector's middle half--6.5%below the sector's middle half▼ 54.6pp31.7%above the sector's middle half▲ 38.1pp
Staff (FTE)1-
above
within
below
the middle half (P25 to P75) of NACE 81, Services to buildings and landscape activities, 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 recovers in 2024; 2024 is 2,779% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €70,699
Fixed assets
€21,563 ▼ 19.3%
Current assets
€49,136 ▲ 277%
Equity and liabilities €70,699
Equity
€28,621 ▲ 359%
Debt
€42,078 ▲ 25.6%
Debt's share of the balance-sheet total falls from 84.3% to 59.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€34,824▲
2023 · €5,371
Cash flow
€28,760▲
2023 · €1,813
Debt to equity
1.47▼
2023 · 5.37
ROE
78.2%▲
2023 · -41.2%
Interest coverage
80.12▲
2023 · 3.13
Debt ≤ 1 year
€31,713▲
2023 · €18,643
Debt > 1 year
€10,365▼
2023 · €14,852
Income taxes
€5,940▲
2023 · €1,839
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
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 26,975 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 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €35,978 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €254 | €4,382 | €6,371 | ▲ 45.4% |
| Other operating charges640/8 | €3,664 | €5,187 | €885 | ▼ 82.9% |
| Gross operating margin9900 | €49,738 | €10,558 | €35,709 | ▲ 238% |
| Operating profit (loss)9901 | €9,842 | €988 | €28,453 | ▲ 2,779% |
| Financial income75/76B | - | - | €310 | - |
| Recurring financial income75 | - | - | €310 | - |
| Financial charges65/66B | €1,205 | €1,719 | €435 | ▼ 74.7% |
| Recurring financial charges65 | €697 | €1,719 | €435 | ▼ 74.7% |
| Non-recurring financial charges66B | €508 | - | - | - |
| Profit (loss) for the period before taxes9903 | €8,637 | -€730 | €28,328 | ▲ 3,980% |
| Income taxes67/77 | €1,835 | €1,839 | €5,940 | ▲ 223% |
| Profit (loss) for the period9904 | €6,802 | -€2,569 | €22,389 | ▲ 971% |
| Profit (loss) for the period to be appropriated9905 | €6,802 | -€2,569 | €22,389 | ▲ 971% |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €14,136 | €39,727 | €70,699 | ▲ 78.0% |
| Fixed assets21/28 | €1,917 | €26,705 | €21,563 | ▼ 19.3% |
| Tangible fixed assets22/27 | €1,917 | €26,705 | €21,563 | ▼ 19.3% |
| Plant, machinery and equipment23 | €1,917 | €1,483 | €1,048 | ▼ 29.3% |
| Furniture and vehicles24 | - | - | €1,127 | - |
| Leasing and similar rights25 | - | €25,222 | €19,388 | ▼ 23.1% |
| Current assets29/58 | €12,219 | €13,022 | €49,136 | ▲ 277% |
| Amounts receivable within one year40/41 | €2,539 | €3,940 | €34,670 | ▲ 780% |
| Trade receivables40 | €1,320 | €3,415 | €24,975 | ▲ 631% |
| Other amounts receivable41 | €1,219 | €525 | €9,695 | ▲ 1,747% |
| Cash at bank and in hand54/58 | €8,474 | €9,040 | €14,316 | ▲ 58.4% |
| Deferred charges and accrued income490/1 | €1,207 | €43 | €150 | ▲ 253% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €14,136 | €39,727 | €70,699 | ▲ 78.0% |
| Equity10/15 | €8,802 | €6,232 | €28,621 | ▲ 359% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | €6,802 | €4,232 | €26,621 | ▲ 529% |
| Amounts payable17/49 | €5,335 | €33,495 | €42,078 | ▲ 25.6% |
| Amounts payable after more than one year17 | - | €14,852 | €10,365 | ▼ 30.2% |
| Financial debts170/4 | - | €14,852 | €10,365 | ▼ 30.2% |
| Amounts payable within one year42/48 | €4,476 | €18,643 | €31,713 | ▲ 70.1% |
| Current portion of amounts payable after more than one year42 | - | €4,415 | €4,487 | ▲ 1.6% |
| Trade debts44 | €853 | €2,122 | €7,709 | ▲ 263% |
| Suppliers440/4 | €853 | €2,122 | €7,709 | ▲ 263% |
| Advances received on contracts in progress46 | - | - | €7,705 | - |
| Taxes, remuneration and social security45 | €1,835 | €3,083 | €11,811 | ▲ 283% |
| Taxes450/3 | €1,835 | €3,083 | €11,811 | ▲ 283% |
| Other amounts payable47/48 | €1,787 | €9,024 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | €859 | - | - | - |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,802 | -€2,569 | €22,389 | ▲ 971% |
| + Depreciation and write-downs630 | €254 | €4,382 | €6,371 | ▲ 45.4% |
| Operating cash flow (approximation) | €7,056 | €1,813 | €28,760 | ▲ 1,486% |
| Investment in fixed assets (approximation) | - | -€29,170 | -€1,229 | ▲ 95.8% |
| Change in cash | - | €566 | €5,276 | ▲ 833% |
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
2026
21-08
State Gazette act
Registered officeRegistered-office move · Power of attorney9 facts ▸
State Gazette act
Registered office
Registered-office move · Power of attorney9 facts ▸
- Registered-office move, Kamperbaan 33 bus 2.5, 3940 Hechtel
- Power of attorney, Moore Finance & Tax BV
- Power of attorney, Tanja De Naeyer
- Power of attorney, Dominique Jaminet
- Power of attorney, Valira Baleci
- Power of attorney, Ellen Geuens
- Power of attorney, Elien Baekelmans
- Power of attorney, Tessa Loverix
- Power of attorney, Karolien Missotten
2025
21-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €22,389
Net result €22,389 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.55
Current ratio from 0.70 to 1.55.
06-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 128 days late
2023
31-12
Financial
Weakest financial yearnet -€2,569
Net result drops to -€2,569, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Hechtel-Eksel · 1 establishment unit since 2021
Ground area
2,484 m²
Building footprint
419 m²
Volume, LiDAR
224 m³
Parcel 72013D0722/00A000, Flanders · tallest building 3.9 m. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
SVL
since 20212.316.487.682
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72013D0722/00A000 | Flanders | 2,484 m² | 1 · 419 m² | 3.9 m |
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.
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Of 6,995 companies in sector 81220 we hold annual accounts for 2,414. 1,911 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
Founded07-04-2021
Fiscal year end31-12
Activities, NACEBEL 2025
81220Other building cleaning and industrial cleaning
47120Other non-specialised retail sale
47783Retail trade
81210General cleaning of buildings
Contact
E-mail
info@hetruitenwassertje.beHechtel-Eksel
Phone
0491251882Hechtel-Eksel
E-invoicing
Reachable via Peppol
Peppol ID
0208:0766456188
Also
9925:BE0766456188
Registered
12-11-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.