SVNS
ActiveSVNS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-22k) and a net result of €-8k. Equity is shrinking by ~57.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 1457 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 1457 sector peers (2025).
NBB · sector comparisonPosition among 1457 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
12 d late
2024
9 d early
2023
43 d early
2022
21 d early
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-22k▼ 55.7%
2024 · €-14k
2022: €-4k
2023: €-8k
2024: €-14k
2022 → 2025
Net result
€-8k▼ 20.7%
2024 · €-7k
2022: €-5k
2023: €-4k
2024: €-7k
2022 → 2025
Total assets
€215k▲ 24.8%
2024 · €172k
2022: €65k
2023: €97k
2024: €172k
2022 → 2025
Solvency
-10.4%▼ 2.1pp
2024 · -8.4%
2022: -6.3%
2023: -8.0%
2024: -8.4%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-4k-€-8k▼ 88.8%€-14k▼ 85.7%€-22k▼ 55.7%
Operating result€-4k-€-2k▲ 52.0%€-2k▼ 38.6%€-3k▼ 37.6%
Net result€-5k-€-4k▲ 28.6%€-7k▼ 82.1%€-8k▼ 20.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €2k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €215k
Fixed assets
€195k▲ 79.8%
Current assets
€19k▼ 69.3%
Key figures and ratios
Solvency
-10.4%▼
2024 · -8.4%
ROE
35.8%▼
2024 · 46.1%
ROA
-3.7%▲
2024 · -3.9%
Debt
€237k▲
2024 · €186k
Debt ≤ 1 year
€237k▲
2024 · €186k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€172k€215k▲
Fixed assets21/28€109k€195k▲
Financial fixed assets28€109k€195k▲
Current assets29/58€63k€19k▼
Amounts receivable within one year40/41€63k€0▼
Other amounts receivable41€63k€0▼
Cash at bank and in hand54/58€13€19k▲
Deferred charges and accrued income490/1€93€93=
Equity and liabilities
Total equity and liabilities10/49€172k€215k▲
Equity10/15€-14k€-22k▼
Contributions10/11€1k€1k=
Profit (loss) carried forward14€-15k€-23k▼
Amounts payable17/49€186k€237k▲
Amounts payable within one year42/48€186k€237k▲
Financial debts43€88k€11k▼
Other loans439€88k€11k▼
Trade debts44€454€399▼
Suppliers440/4€454€399▼
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€97k€226k▲
Income statement
Code20242025
Other operating charges640/8€528€544▲
Gross operating margin9900€-2k€-3k▼
Operating profit (loss)9901€-2k€-3k▼
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€-7k€-8k▼
Profit (loss) for the period9904€-7k€-8k▼
Profit (loss) for the period to be appropriated9905€-7k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-23k▼
Profit (loss) brought forward from the previous period14P€-9k€-15k▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (9 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
09-09
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
02-09
State Gazette act
General meeting · Capital increase
Approval · Statutes amendment
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
2025
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-07
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.
Directors · office · real estate
Directors
2 acts for this company are 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, Gent · 1 establishment unit since 2021
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.
Kwaadham 469000 GentGround area
67 m²
Building footprint
54 m²
Volume, LiDAR
664 m³
Parcel 44802B1380/00G000, Flanders · tallest building 16.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
SVNS
since 20212.321.661.247
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44802B1380/00G000 | Flanders | 67 m² | 1 · 54 m² | 16.0 m · 5 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.
Similar companies · same sector and region
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Apollo Advisory
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AY FINANCE
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BELCAPIN
BE 0437.042.408
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BELEGGINGSMAATSCHAPPIJ EDEP
BE 0425.620.063
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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 1,505 companies in sector 66199 we hold annual accounts for 912.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-08-2021
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.