SVLH

Active

Private limited companyfounded 20187 yrs activeGrand Route(BAR) 594, 7534 Tournai, BelgiumKBO/BCE: BE 0716.878.401

Summary

The computed 12-month bankruptcy probability of SVLH is 4.6% (elevated). The 2025 annual accounts show equity of €78,453 and a net result of €9,525. Equity is growing by ~22.1% per year across the filed fiscal years. Its solvency ranks better than 42% of 14676 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

SVLHActiveChecked score 38/100

Risk analysis Report Compare

What they do

Event catering

NACE 56210

1 site

How big

€367,996total assets 2025

Equity: €78,453
Profit: €9,525

Financially healthy?

38 Weak Checked score 2025

Bankruptcy chance 12 m: 4.6%

Who decides

Accounts filed 52 d late0 of 2 deeds read

Why 38- Latest accounts 52 days late; 3 of the last 3 late- Sector Food and beverage service activities (NACE 56)- Size: total assets €367,996- Founded in 2018Show the evidence

Checked score

Score 2025

38 / 100

Weak

Probability in this band: 4.2% to 15.0%

Better than 41% of its sector peers (NACE 56, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 46+9

equity 21.3% of total assets

Liquidity 13+6

short-term debt 72.8% · cash 1.6%

Profitability 72+4

return on assets 2.6%

Bankruptcy probability, 12 months

4.6% Elevated

0%0.5%1.5%4%10%≥ 25%

About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.9% (23,401 companies)

Last 24 months 11-2024: 13.2% 12-2024: 13.7%▲ +3.5% vs 11-2024highest value 01-2025: 9.7%▼ -29.4% vs 12-2024 02-2025: 9.7%● 0.0% vs 01-2025 03-2025: 10.1%▲ +4.8% vs 02-2025 04-2025: 9.1%▼ -9.7% vs 03-2025 05-2025: 9.7%▲ +6.7% vs 04-2025 06-2025: 9.4%▼ -3.8% vs 05-2025 07-2025: 9.3%▼ -0.7% vs 06-2025 08-2025: 10.3%▲ +10.7% vs 07-2025 09-2025: 11.1%▲ +7.5% vs 08-2025 10-2025: 4.7%▼ -57.8% vs 09-2025 11-2025: 4.7%▲ +1.0% vs 10-2025 12-2025: 4.7%● 0.0% vs 11-2025 01-2026: 3.2%▼ -33.2% vs 12-2025lowest value 02-2026: 3.2%▲ +1.2% vs 01-2026 03-2026: 3.2%▼ -1.2% vs 02-2026 04-2026: 3.2%▲ +1.1% vs 03-2026 05-2026: 3.3%▲ +2.3% vs 04-2026 06-2026: 3.3%▲ +0.7% vs 05-2026 07-2026: 3.4%▲ +2.4% vs 06-2026 08-2026: 3.7%▲ +9.4% vs 07-2026 09-2026: 3.7%▲ +1.6% vs 08-2026 10-2026: 4.6%▲ +22.7% vs 09-2026

Latest accounts 52 days late; 3 of the last 3 late raises the probability
Sector Food and beverage service activities (NACE 56) raises the probability
Size: total assets €367,996 raises the probability for this profile
Founded in 2018 raises the probability for this profile

Credit up to €2,500 at 30 days only on tighter terms

Liquidity tight (current ratio 1.16 against 0.91 in 2024; short-term debt: 72.8% and cash: 1.6% of total assets), and 78.7% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 56, micro). Better than this share of them on solvency 42%, liquidity 11%, profitability 52%, growth against the median 60%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610020317, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Latest accounts 52 days late; 3 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Sector Food and beverage service activities (NACE 56)

In the bankruptcy model this factor raises the probability.

KBO

Size: total assets €367,996

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Founded in 2018

In the bankruptcy model this factor raises the probability for this profile.

KBO

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-09-2026, 52 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 7 filings

Deviation from the deadline

2025

52 d late

2024

46 d late

2023

135 d late

2022

22 d late

2021

88 d late

2020

144 d late

2019

152 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 91 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 21 September (4 of the last 5 filed years within 36 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage