SVPTE
ActiveSummary
SVPTE has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €532k and a net result of €184k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 32% of 4886 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability72▲+5
Solvency55▲+3
Growth59▲+18
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 1.12 in 2024; short-term debt: 70.5% and cash: 1.2% of total assets), and 70.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
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
29.5%
Return on assets
10.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
28 d late
2023
83 d late
2022
60 d late
2021
29 d late
2020
83 d late
2019
67 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€4.77M▲ 16.7%
2024 · €4.08M
EBIT margin
5.3%▲ 1.8pp
2024 · 3.5%
Net result
€184k▲ 69.7%
2024 · €109k
Working capital
€291k▲ 66.2%
2024 · €175k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€2.96M▲ 23.4%€3.41M▲ 14.9%€3.63M▲ 6.6%€4.08M▲ 12.5%€4.77M▲ 16.7%
Operating result€37k▲ 132%€13k▼ 64.1%€33k▲ 143%€143k▲ 339%€252k▲ 75.9%
Net result€28k▲ 164%€11k▼ 61.3%€32k▲ 198%€109k▲ 236%€184k▲ 69.7%
EBIT margin1.3%▲ 0.6pp0.4%▼ 0.9pp0.9%▲ 0.5pp3.5%▲ 2.6pp5.3%▲ 1.8pp
Equity€1.10M▲ 2.6%€1.11M▲ 1.0%€1.14M▲ 2.9%€548k▼ 51.9%€532k▼ 2.9%
Total assets€1.46M▼ 2.9%€1.58M▲ 8.5%€1.76M▲ 11.0%€2.01M▲ 14.3%€1.80M▼ 10.3%
Debt€364k▼ 16.4%€477k▲ 31.0%€619k▲ 29.6%€1.46M▲ 136%€1.27M▼ 13.1%
Working capital€909k▲ 7.6%€767k▼ 15.7%€584k▼ 23.8%€175k▼ 70.0%€291k▲ 66.2%
Staff (FTE)20.9▲ 6.6%20.8▼ 0.5%21.8▲ 4.8%21▼ 3.7%20.5▼ 2.4%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 76% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.80M
Fixed assets
€241k ▼ 35.3%
Current assets
€1.56M ▼ 4.6%
Equity and liabilities €1.80M
Equity
€532k ▼ 2.9%
Debt
€1.27M ▼ 13.1%
Debt's share of the balance-sheet total falls from 72.7% to 70.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€384k▲
2024 · €292k
Cash flow
€316k▲
2024 · €258k
Current ratio
1.23▲
2024 · 1.12
Debt to equity
2.39▼
2024 · 2.67
ROE
34.6%▲
2024 · 19.8%
ROA
10.2%▲
2024 · 5.4%
Interest coverage
182.02▼
2024 · 2210.53
Debt ≤ 1 year
€1.27M▼
2024 · €1.46M
Income taxes
€70k▲
2024 · €47k
Staff costs
€1.21M▲
2024 · €1.19M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | €2.98M | €3.42M | €3.66M | €4.12M | €4.79M | ▲ 16.3% |
| Turnover70 | €2.96M | €3.41M | €3.63M | €4.08M | €4.77M | ▲ 16.7% |
| Other operating income74 | €21k | €14k | €30k | €33k | €21k | ▼ 36.6% |
| Operating charges60/66A | €2.95M | €3.41M | €3.63M | €3.97M | €4.53M | ▲ 14.1% |
| Goods for resale, raw materials and consumables60 | €1.29M | €1.58M | €1.64M | €1.99M | €2.49M | ▲ 25.1% |
| Purchases600/8 | €1.29M | €1.58M | €1.64M | €1.99M | €2.49M | ▲ 25.1% |
| Services and other goods61 | €530k | €699k | €648k | €627k | €694k | ▲ 10.8% |
| Remuneration, social security and pensions62 | €979k | €1.03M | €1.20M | €1.19M | €1.21M | ▲ 1.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €78k | €90k | €115k | €149k | €132k | ▼ 11.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €-1k | €816 | €83 | €195 | €-979 | ▼ 601% |
| Other operating charges640/8 | €73k | €14k | €24k | €14k | €11k | ▼ 18.2% |
| Non-recurring operating charges66A | - | €92 | - | - | - | - |
| Operating profit (loss)9901 | €37k | €13k | €33k | €143k | €252k | ▲ 75.9% |
| Financial income75/76B | €8k | €9k | €21k | €13k | €7k | ▼ 46.3% |
| Recurring financial income75 | €8k | €9k | €21k | €13k | €7k | ▼ 46.3% |
| Income from current assets751 | €8k | €9k | €21k | €12k | €7k | ▼ 43.5% |
| Other financial income752/9 | - | €8 | €92 | €2k | €539 | ▼ 66.7% |
| Financial charges65/66B | €1k | €1k | €5k | €2k | €5k | ▲ 222% |
| Recurring financial charges65 | €1k | €1k | €5k | €2k | €5k | ▲ 222% |
| Debt charges650 | - | €28 | €3k | €132 | €2k | ▲ 1,494% |
| Other financial charges652/9 | €1k | €1k | €2k | €2k | €3k | ▲ 113% |
| Profit (loss) for the period before taxes9903 | €44k | €21k | €49k | €155k | €254k | ▲ 63.7% |
| Income taxes67/77 | €16k | €10k | €16k | €47k | €70k | ▲ 49.8% |
| Taxes670/3 | €16k | €10k | €16k | €47k | €70k | ▲ 50.5% |
| Tax adjustments and reversals of tax provisions77 | - | - | - | - | €321 | - |
| Profit (loss) for the period9904 | €28k | €11k | €32k | €109k | €184k | ▲ 69.7% |
| Profit (loss) for the period to be appropriated9905 | €28k | €11k | €32k | €109k | €184k | ▲ 69.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.46M | €1.58M | €1.76M | €2.01M | €1.80M | ▼ 10.3% |
| Formation expenses20 | - | - | - | €0 | €0 | - |
| Fixed assets21/28 | €187k | €340k | €555k | €373k | €241k | ▼ 35.3% |
| Intangible fixed assets21 | - | - | - | €0 | €0 | - |
| Tangible fixed assets22/27 | €187k | €340k | €555k | €373k | €241k | ▼ 35.3% |
| Plant, machinery and equipment23 | - | - | - | €0 | - | - |
| Furniture and vehicles24 | €187k | €340k | €555k | €373k | €241k | ▼ 35.3% |
| Current assets29/58 | €1.27M | €1.24M | €1.20M | €1.64M | €1.56M | ▼ 4.6% |
| Amounts receivable within one year40/41 | €1.17M | €1.19M | €1.17M | €1.58M | €1.53M | ▼ 3.3% |
| Trade receivables40 | €402k | €335k | €576k | €768k | €1.47M | ▲ 91.4% |
| Other amounts receivable41 | €772k | €853k | €595k | €817k | €63k | ▼ 92.3% |
| Cash at bank and in hand54/58 | €98k | €53k | €28k | €50k | €21k | ▼ 57.2% |
| Deferred charges and accrued income490/1 | €2k | €4k | €3k | €2k | €7k | ▲ 236% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.46M | €1.58M | €1.76M | €2.01M | €1.80M | ▼ 10.3% |
| Equity10/15 | €1.10M | €1.11M | €1.14M | €548k | €532k | ▼ 2.9% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €1.09M | €1.10M | €1.13M | €542k | €526k | ▼ 2.9% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Tax-exempt reserves132 | €25k | €25k | €25k | €25k | €25k | = |
| Distributable reserves133 | €1.06M | €1.07M | €1.11M | €517k | €501k | ▼ 3.0% |
| Amounts payable17/49 | €364k | €477k | €619k | €1.46M | €1.27M | ▼ 13.1% |
| Amounts payable within one year42/48 | €364k | €477k | €619k | €1.46M | €1.27M | ▼ 13.1% |
| Financial debts43 | - | - | - | - | €10k | - |
| Credit institutions430/8 | - | - | - | - | €10k | - |
| Trade debts44 | €183k | €343k | €447k | €534k | €736k | ▲ 37.9% |
| Suppliers440/4 | €183k | €343k | €447k | €534k | €736k | ▲ 37.9% |
| Taxes, remuneration and social security45 | €181k | €133k | €171k | €227k | €235k | ▲ 3.7% |
| Taxes450/3 | €41k | €8k | €13k | €66k | €68k | ▲ 2.5% |
| Remuneration and social security454/9 | €140k | €124k | €158k | €160k | €167k | ▲ 4.2% |
| Other amounts payable47/48 | €81 | €1k | €1k | €701k | €289k | ▼ 58.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €28k | €11k | €32k | €109k | €184k | ▲ 69.7% |
| + Depreciation and write-downs630 | €78k | €90k | €115k | €149k | €132k | ▼ 11.7% |
| Operating cash flow (approximation) | €106k | €101k | €147k | €258k | €316k | ▲ 22.6% |
| Investment in fixed assets (approximation) | - | €-244k | €-330k | €33k | €0 | ▼ 100% |
| Change in cash | - | €-45k | €-24k | €22k | €-28k | ▼ 232% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-08
State Gazette act
Appointment: AVISOR SRL (statutory auditor)Permanent representative: Dorothée HURTEUX3 facts ▸
State Gazette act
Appointment: AVISOR SRL (statutory auditor)
Permanent representative: Dorothée HURTEUX3 facts ▸
- General meeting, 30/06/2026
- Auditor appointment, AVISOR SRL (statutory auditor)
- Permanent representative, Dorothée HURTEUX
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €184k ▲69.7%
Operating result €252k, net result €184k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema · 28 days late
2024
22-10
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema · 83 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema · 60 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema · 29 days late
2021
22-10
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema · 83 days late
2020
31-12
Financial
Weakest financial yearnet €11k ▼87.4%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 67 days late
2019
31-12
Financial
Equity above €1MEq €1.06M ▲8.7%
2 profitable years in a row build equity to €1.06M.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 61 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 57 days late
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 10 acts read
About the unread acts
Of the 10 Belgian State Gazette acts we know for this company, 1 has been read. The other 9 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Tournai · 1 establishment unit since 2001
1 establishment unit
Rue de la Terre à Briques(MAR) 18, 7522 Tournai
since 20012.098.449.696
Statutory auditor
1 auditor| AVISOR SRLCurrent Statutory auditor · represented by Dorothée HURTEUX | 10-08-2026 → present |
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Of 1,566 companies in sector 46900 we hold annual accounts for 920. 664 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-08-2001
Fiscal year end31-12
Activities, NACEBEL 2025
46900Non-specialised wholesale trade
52210Service activities incidental to land transportation
Scores and ratios are computed by Checked and are not a credit decision.