SVP LOCATIONS
ActiveThe computed 12-month bankruptcy probability of SVP LOCATIONS is 1.6% (moderate). The 2025 annual accounts show equity of €156k and a net result of €5k. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 82% of 13204 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+2
Solvency93=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.56 against 2.5 in 2024; short-term debt: 25.6% and cash: 38.3% of total assets), and 32% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
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
68%
Return on assets
2.3%
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
3 d early
2023
6 d early
2022
6 d late
2021
2 d early
2020
60 d late
2019
118 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€156k▲ 3.4%
2024 · €151k
2018: €55k
2019: €49k
2020: €36k
2021: €131k
2022: €150k
2023: €149k
2024: €151k
2018 → 2025
Total assets
€229k▲ 3.8%
2024 · €221k
2018: €196k
2019: €182k
2020: €146k
2021: €274k
2022: €251k
2023: €249k
2024: €221k
2018 → 2025
Net result
€5k▲ 223%
2024 · €2k
2018: €8k
2019: €-6k
2020: €-13k
2021: €95k
2022: €19k
2023: €-1k
2024: €2k
2018 → 2025
Working capital
€91k▲ 42.0%
2024 · €64k
2018: €-17k
2019: €-12k
2020: €2k
2021: €69k
2022: €46k
2023: €45k
2024: €64k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€131k-€150k▲ 14.4%€149k▼ 1.0%€151k▲ 1.1%€156k▲ 3.4%
Operating result€125k-€25k▼ 80.3%€4k▼ 84.5%€8k▲ 112%€11k▲ 34.9%
Net result€95k-€19k▼ 80.1%€-1k€2k€5k▲ 223%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 35% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €229k
Fixed assets
€79k▼ 30.2%
Current assets
€149k▲ 40.0%
Equity and liabilities €229k
Equity
€156k▲ 3.4%
Debt
€73k▲ 4.5%
The debt ratio rises from 31.7% to 32.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€53k▲
2024 · €51k
Cash flow
€47k▲
2024 · €44k
Solvency
68.0%▼
2024 · 68.3%
Current ratio
2.56▲
2024 · 2.50
Quick ratio
2.53▲
2024 · 2.48
Debt / equity
0.47▲
2024 · 0.46
ROE
3.3%▲
2024 · 1.1%
ROA
2.3%▲
2024 · 0.7%
Interest coverage
18.00▲
2024 · 11.87
Debt
€73k▲
2024 · €70k
Debt ≤ 1 year
€58k▲
2024 · €43k
Debt > 1 year
€14k▼
2024 · €26k
Income taxes
€3k▲
2024 · €2k
Staff costs
€79k▲
2024 · €71k
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€221k€229k▲
Fixed assets21/28€114k€79k▼
Tangible fixed assets22/27€112k€78k▼
Plant, machinery and equipment23€52k€29k▼
Furniture and vehicles24€43k€36k▼
Other tangible fixed assets26€18k€13k▼
Financial fixed assets28€1k€1k▼
Current assets29/58€107k€149k▲
Stocks and contracts in progress3€975€1k▲
Stocks30/36€975€1k▲
Amounts receivable within one year40/41€52k€53k▲
Trade receivables40€42k€50k▲
Other amounts receivable41€10k€3k▼
Current investments50/53€14€14=
Cash at bank and in hand54/58€51k€88k▲
Deferred charges and accrued income490/1€3k€8k▲
Equity and liabilities
Total equity and liabilities10/49€221k€229k▲
Equity10/15€151k€156k▲
Contributions10/11€6k€6k=
Reserves13€144k€149k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€143k€148k▲
Profit (loss) carried forward14€12€171▲
Amounts payable17/49€70k€73k▲
Amounts payable after more than one year17€26k€14k▼
Financial debts170/4€26k€14k▼
Amounts payable within one year42/48€43k€58k▲
Current portion of amounts payable after more than one year42€16k€12k▼
Trade debts44€6k€14k▲
Suppliers440/4€6k€14k▲
Taxes, remuneration and social security45€21k€30k▲
Taxes450/3€13k€20k▲
Remuneration and social security454/9€7k€10k▲
Other amounts payable47/48€4€2k▲
Accrued charges and deferred income492/3€1k€700▼
Income statement
Code20242025
Remuneration, social security and pensions62€71k€79k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€42k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€900-
Other operating charges640/8€10k€6k▼
Non-recurring operating charges66A€718€1k▲
Gross operating margin9900€133k€140k▲
Operating profit (loss)9901€8k€11k▲
Financial income75/76B€5€159▲
Recurring financial income75€5€159▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€4k€8k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€2k€5k▲
Profit (loss) for the period to be appropriated9905€2k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€5k▲
Profit (loss) brought forward from the previous period14P€14€12▼
Transfer to equity691/2€2k€5k▲
To other reserves6921€2k€5k▲
The notes to these accounts (11 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-12
Financial
Equity above €150kEq €151k ▲1.1%
Equity rises from €149k to €151k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 6 days late
2022
31-12
Financial
Equity above €150kEq €150k ▲14.4%
2 profitable years in a row build equity to €150k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €95k
Net result €95k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €131k ▲265%
Equity rises from €36k to €131k.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 118 days late
09-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 253 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
12-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 134 days late
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, Namur · 2 establishment units since 2003
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.
Fond de Malonne(ML) 1665020 NamurGround area
1,188 m²
Building footprint
225 m²
Volume, LiDAR
1,433 m³
2 parcels, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
LE DAGO FRINGALE
since 20032.135.382.447
Institut Saint-Berthuin
since 20212.322.452.885
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92082A0086/00L002 | Wallonia | 696 m² | 1 · 96 m² | 10.2 m · 3 fl. |
| 92082A0091/00F000 | Wallonia | 493 m² | 1 · 129 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesNamur2.135.382.447
Namur2.322.452.885
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,783. 7,194 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-12-2003
Fiscal year end31-12
Activities, NACEBEL
55302
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
71340
77392Rental and leasing activities
55522
56210Event catering
71404
77223Rental and leasing activities
77399Renting and leasing of other machinery, equipment and tangible goods
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:pilloy-laurence@hotmail.fr
Phone:0486/415126