SVR-Law
ActiveSVR-Law has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97k and a net result of €54k. Its solvency ranks better than 67% of 12685 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency97▲+4
Growth78
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 3.08 against 2.51 in 2024; short-term debt: 28.2% and cash: 17.5% of total assets), and 28.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
71.8%
Return on assets
40.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 2 filingsDeviation from the deadline
2025
28 d late
2024
29 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€97k▲ 127%
2024 · €43k
2024: €43k
2024 → 2025
Total assets
€135k▲ 115%
2024 · €63k
2024: €63k
2024 → 2025
Net result
€54k▲ 36.7%
2024 · €40k
2024: €40k
2024 → 2025
Working capital
€79k▲ 162%
2024 · €30k
2024: €30k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€43k-€97k▲ 127%
Operating result€53k-€67k▲ 28.1%
Net result€40k-€54k▲ 36.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 28% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €135k
Fixed assets
€18k▲ 43.6%
Current assets
€117k▲ 133%
Equity and liabilities €135k
Equity
€97k▲ 127%
Debt
€38k▲ 89.7%
The debt ratio falls from 31.9% to 28.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€69k▲
2024 · €54k
Cash flow
€56k▲
2024 · €41k
Solvency
71.8%▲
2024 · 68.1%
Current ratio
3.08▲
2024 · 2.51
Quick ratio
3.08▲
2024 · 2.51
Debt / equity
0.39▼
2024 · 0.47
ROE
56.0%▼
2024 · 93.0%
ROA
40.2%▼
2024 · 63.3%
Interest coverage
39.97▲
2024 · 19.22
Debt
€38k▲
2024 · €20k
Debt ≤ 1 year
€38k▲
2024 · €20k
Income taxes
€14k▲
2024 · €11k
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€63k€135k▲
Fixed assets21/28€13k€18k▲
Tangible fixed assets22/27€13k€18k▲
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€10k€16k▲
Current assets29/58€50k€117k▲
Amounts receivable after more than one year29€42k€75k▲
Other amounts receivable291€42k€75k▲
Amounts receivable within one year40/41€2k€18k▲
Trade receivables40-€18k
Other amounts receivable41€2k-
Cash at bank and in hand54/58€7k€24k▲
Equity and liabilities
Total equity and liabilities10/49€63k€135k▲
Equity10/15€43k€97k▲
Contributions10/11€3k€3k=
Reserves13€40k€94k▲
Distributable reserves133€40k€94k▲
Amounts payable17/49€20k€38k▲
Amounts payable within one year42/48€20k€38k▲
Taxes, remuneration and social security45€20k€37k▲
Taxes450/3€20k€37k▲
Other amounts payable47/48-€868
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€886€449▼
Gross operating margin9900€55k€70k▲
Operating profit (loss)9901€53k€67k▲
Financial income75/76B€921€3k▲
Recurring financial income75€921€3k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€51k€68k▲
Income taxes67/77€11k€14k▲
Profit (loss) for the period9904€40k€54k▲
Profit (loss) for the period to be appropriated9905€40k€54k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€54k▲
Transfer to equity691/2€40k€54k▲
To other reserves6921€40k€54k▲
The notes to these accounts (5 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
NBB filing
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, Brasschaat · 1 establishment unit since 2023
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.
Baillet-Latourlei 62930 BrasschaatGround area
1,559 m²
Building footprint
350 m²
Volume, LiDAR
2,254 m³
Parcel 11322E0381/00X003, Flanders · tallest building 15.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SVR-Law
since 20232.349.150.849
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11322E0381/00X003 | Flanders | 1,558 m² | 1 · 350 m² | 15.8 m · 2 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 391 EUR awarded · 391 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 391 EUR | 391 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
ELSA LEDUC
BE 1003.544.974
Sint-Gillis (bij-Brussel) · Eq €97k
BUYTATO
BE 0787.191.721
Enghien · Eq €97k
Inutu Legal
BE 0699.535.591
Antwerpen · Eq €97k
ORAKEI
BE 0720.898.159
Beersel · Eq €97k
ADVOCATENKANTOOR PHILIPPE GODELAINE
BE 0694.875.831
Tessenderlo-Ham · Eq €97k
Of 22,052 companies in sector 69101 we hold annual accounts for 9,053. 7,556 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-07-2023
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.