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SVNRS

Active
Private limited companyfounded 20196 yrs activeSint-Baafsplein 70, 9000 Gent, BelgiumKBO/BCE: BE 0735.882.283
Summary

The computed 12-month bankruptcy probability of SVNRS is 3.6% (moderate). The 2025 annual accounts show equity of €164,174 and a net result of €35,889. Equity is growing by ~31.2% per year across the filed fiscal years. Its solvency ranks better than 22% of 11293 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 2 administrative register entries (see administrative flags).

Risk analysisWatch ReportCompare
SVNRSActiveChecked score 49/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of souvenirs and religious articles
NACE 47784NACE 47786
4 sites
Size
€1.4mtotal assets 2025
Staff
2.4 FTE
Equity
€164,174
Profit
€35,889
Turnover not published (abridged schema)
Financial health
49 Fair Checked score 2025
Bankruptcy chance 12 m
3.6%
Structure
Parent
FRISIUS · 100%
Accounts filed 4 d late0 of 4 deeds read
Why 49- Equity €164,174 (12.0% of total assets)- Ex-officio strike-off in the KBO- Latest accounts 4 days late; 1 of the last 3 late+ Size: 2.4 FTE, total assets €1.4mShow the evidence

Checked score

Score 2025
49 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 41% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 37+2
equity 12.0% of total assets
Liquidity 27-6
short-term debt 54.7% · cash 4.0%
Profitability 43+7
return on assets 2.6%
Bankruptcy probability, 12 months
3.6% Moderate
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (39,898 companies)
Last 17 months 06-2025: 2.0% 07-2025: 2.0%● -0.0% vs 06-2025lowest value 08-2025: 2.9%▲ +43.5% vs 07-2025 09-2025: 3.3%▲ +14.9% vs 08-2025 10-2025: 5.1%▲ +54.0% vs 09-2025 11-2025: 5.3%▲ +3.8% vs 10-2025 12-2025: 6.5%▲ +22.4% vs 11-2025 01-2026: 9.9%▲ +53.4% vs 12-2025 02-2026: 9.8%▼ -1.6% vs 01-2026 03-2026: 10.3%▲ +5.1% vs 02-2026highest value 04-2026: 9.4%▼ -8.2% vs 03-2026 05-2026: 9.4%● 0.0% vs 04-2026 06-2026: 8.1%▼ -14.2% vs 05-2026 07-2026: 8.7%▲ +7.2% vs 06-2026 08-2026: 9.9%▲ +13.5% vs 07-2026 09-2026: 3.6%▼ -63.5% vs 08-2026 10-2026: 3.6%● 0.0% vs 09-2026
  • Equity €164,174 (12.0% of total assets) raises the probability
  • Ex-officio strike-off in the KBO raises the probability
  • Latest accounts 4 days late; 1 of the last 3 late raises the probability
  • Size: 2.4 FTE, total assets €1.4m lowers the probability for this profile
Credit up to €8,000 at 30 days acceptable
Liquidity short (current ratio 0.79 against 0.85 in 2024; short-term debt: 54.7% and cash: 4% of total assets), and 88% 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 47, micro). Better than this share of them on solvency 28%, liquidity 24%, profitability 32%, growth against the median 78%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, 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.

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Signals

Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Equity €164,174 (12.0% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Ex-officio strike-off in the KBO
In the bankruptcy model this factor raises the probability.
KBO publications
raises risk · Latest accounts 4 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Size: 2.4 FTE, total assets €1.4m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 11293 sector peers (2025).
NBB · sector comparison
Position among 11293 sector peers
Solvency
better than 22%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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 · 6 filings
Deviation from the deadline
2025
4 d late
2024
302 d late
2023
21 d late
2022
387 d late
2021
752 d late
2020
1117 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 431 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

raises risk · Administrative warnings in the KBO publications
2 publications by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or their withdrawal.
KBO publications
Publications
Late accounts filingStrikeout withdrawn
Checked, nothing found (1)
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. Usually files around 28 May (4 of the last 5 filed years within 298 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · abbreviated…
  3. Equity above €150,000Eq €164,174 ▲28%

Key points

  • Controlled by FRISIUS 100% View
  • Positive: 6 profitable years in a rowprofit 2025: €35,889 6 years View
  • Total assets 20256 fiscal years filed €1.4m View

By topic

Financials

Fiscal year
2025
Total assets
€1.4m
Profit
€35,889
Solvency
12.0%
Total assets▲ 4.1%
Net result
20202025
Go to Financials

Timeline

Events
12
Since
2021
Next accounts
by 31-07-2027
  1. 04-08-2026Annual accounts filed
  2. 29-05-2026Annual accounts filed
  3. 31-12-2025Equity above €150,000
Go to Timeline

Company details

Sites
4
Legal form
Private limited company
Activity
Retail sale of souvenirs and religious articlesNACE 47784
Founded
09-10-2019
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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