SVL METAALCONSTRUCTIE
ActiveSummary
SVL METAALCONSTRUCTIE has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €262k and a net result of €46k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 42% of 1030 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-4
Solvency64▲+4
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity tight (current ratio 1.3 against 1.32 in 2024; short-term debt: 50.7% and cash: 24.7% of total assets), and 60.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 25
Relative position
BE, all sectors
reference
Sector 25
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
39.4%
Return on assets
6.9%
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
77 d early
2023
22 d early
2022
11 d early
2021
88 d early
2020
18 d early
2019
9 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€262k▼ 5.2%
2024 · €276k
2018: €278k
2019: €345k
2020: €284k
2021: €294k
2022: €354k
2023: €289k
2024: €276k
2018 → 2025
Total assets
€664k▼ 16.8%
2024 · €798k
2018: €581k
2019: €796k
2020: €745k
2021: €712k
2022: €917k
2023: €885k
2024: €798k
2018 → 2025
Net result
€46k▼ 41.0%
2024 · €77k
2018: €121k
2019: €101k
2020: €46k
2021: €10k
2022: €105k
2023: €31k
2024: €77k
2018 → 2025
Working capital
€102k▼ 27.8%
2024 · €141k
2018: €212k
2019: €236k
2020: €157k
2021: €178k
2022: €230k
2023: €214k
2024: €141k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€294k-€354k▲ 20.3%€289k▼ 18.2%€276k▼ 4.6%€262k▼ 5.2%
Operating result€17k-€151k▲ 774%€50k▼ 66.8%€116k▲ 131%€69k▼ 40.4%
Net result€10k-€105k▲ 921%€31k▼ 71.0%€77k▲ 153%€46k▼ 41.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €664k
Fixed assets
€226k ▲ 3.2%
Current assets
€438k ▼ 24.3%
Equity and liabilities €664k
Equity
€262k ▼ 5.2%
Provisions
€178 ▼ 50.0%
Debt
€402k ▼ 22.9%
Debt's share of the balance-sheet total falls from 65.4% to 60.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€143k▼
2024 · €186k
Cash flow
€120k▼
2024 · €147k
Current ratio
1.30▼
2024 · 1.32
Quick ratio
1.20▲
2024 · 1.02
Debt to equity
1.54▼
2024 · 1.89
ROE
17.4%▼
2024 · 27.9%
ROA
6.9%▼
2024 · 9.7%
Interest coverage
11.49▼
2024 · 14.83
Debt ≤ 1 year
€337k▼
2024 · €438k
Debt > 1 year
€66k▼
2024 · €84k
Income taxes
€16k▼
2024 · €30k
Staff costs
€367k▲
2024 · €357k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 63 lines
Balance sheet
Code20242025
Assets
Total assets20/58€798k€664k▼
Fixed assets21/28€219k€226k▲
Intangible fixed assets21€2k€2k▼
Tangible fixed assets22/27€217k€224k▲
Plant, machinery and equipment23€44k€51k▲
Furniture and vehicles24€89k€75k▼
Leasing and similar rights25€56k€66k▲
Other tangible fixed assets26€27k€32k▲
Current assets29/58€579k€438k▼
Stocks and contracts in progress3€134k€35k▼
Stocks30/36€35k€35k▼
Contracts in progress37€98k€0▼
Amounts receivable within one year40/41€221k€226k▲
Trade receivables40€193k€216k▲
Other amounts receivable41€27k€10k▼
Current investments50/53€250€250=
Cash at bank and in hand54/58€208k€164k▼
Deferred charges and accrued income490/1€16k€13k▼
Equity and liabilities
Total equity and liabilities10/49€798k€664k▼
Equity10/15€276k€262k▼
Contributions10/11€19k€19k=
Reserves13€257k€243k▼
Tax-exempt reserves132€1k€535▼
Distributable reserves133€256k€242k▼
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€356€178▼
Deferred taxes168€356€178▼
Amounts payable17/49€522k€402k▼
Amounts payable after more than one year17€84k€66k▼
Financial debts170/4€84k€66k▼
Amounts payable within one year42/48€438k€337k▼
Current portion of amounts payable after more than one year42€87k€54k▼
Trade debts44€147k€59k▼
Suppliers440/4€147k€59k▼
Taxes, remuneration and social security45€67k€77k▲
Taxes450/3€40k€49k▲
Remuneration and social security454/9€27k€28k▲
Other amounts payable47/48€137k€146k▲
Accrued charges and deferred income492/3€31€0▼
Income statement
Code20242025
Non-recurring operating income76A€2k€2k▲
Remuneration, social security and pensions62€357k€367k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€70k€74k▲
Other operating charges640/8€5k€5k▼
Non-recurring operating charges66A€85€6k▲
Gross operating margin9900€548k€521k▼
Operating profit (loss)9901€116k€69k▼
Financial income75/76B€4k€5k▲
Recurring financial income75€4k€5k▲
Financial charges65/66B€13k€12k▼
Recurring financial charges65€13k€12k▼
Profit (loss) for the period before taxes9903€107k€61k▼
Transfer from deferred taxes780€538€178▼
Income taxes67/77€30k€16k▼
Profit (loss) for the period9904€77k€46k▼
Transfer from tax-exempt reserves789€2k€535▼
Profit (loss) for the period to be appropriated9905€79k€46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€79k€46k▼
Transfer from equity791/2€91k€60k▼
Transfer to equity691/2€79k€46k▼
To other reserves6921€79k€46k▼
Profit to be distributed694/7€91k€60k▼
Return on contributions (dividend)694€91k€60k▼
Social balance
Average headcount (FTE)90875.76.2▲
The notes to these accounts (23 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
04-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €10k ▼77.6%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Waregem · 1 establishment unit since 1997
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.
Pitantiestraat 938792 WaregemGround area
6,062 m²
Building footprint
2,147 m²
Volume, LiDAR
9,210 m³
Parcel 34010A0851/00S000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SVL METAALCONSTRUCTIE
since 19972.080.206.372
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34010A0851/00S000 | Flanders | 6,062 m² | 1 · 2,147 m² | 9.5 m · 2 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 1,203 EUR awarded · 895 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,203 EUR | 895 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,986 companies in sector 25110 we hold annual accounts for 2,147. 1,661 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-1997
Fiscal year end31-12
Activities, NACEBEL 2025
25110Manufacture of metal structures and parts of structures
25530Machining of metals
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.