SVVQ
ActiveSVVQ has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €2k. Equity is growing by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 79% of 27319 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability26▲+6
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.93 against 2.56 in 2024), and 25.8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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
74.2%
Return on assets
3.9%
Age of the figures
14 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-02-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
on the day
2023
1 d late
2022
on the day
2021
on the day
2020
on the day
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▲ 5.5%
2024 · €32k
2019: €16k
2020: €17k
2021: €17k
2022: €27k
2023: €31k
2024: €32k
2019 → 2025
Total assets
€45k▼ 8.1%
2024 · €49k
2019: €45k
2020: €43k
2021: €37k
2022: €32k
2023: €33k
2024: €49k
2019 → 2025
Net result
€2k▲ 35.8%
2024 · €1k
2019: €-6k
2020: €564
2021: €624
2022: €10k
2023: €3k
2024: €1k
2019 → 2025
Working capital
€23k▲ 29.7%
2024 · €17k
2019: €11k
2020: €17k
2021: €17k
2022: €30k
2023: €30k
2024: €17k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€27k▲ 56.5%€31k▲ 12.4%€32k▲ 4.2%€34k▲ 5.5%
Operating result€689-€11k▲ 1,454%€5k▼ 54.5%€2k▼ 51.0%€4k▲ 58.1%
Net result€624-€10k▲ 1,476%€3k▼ 65.8%€1k▼ 61.7%€2k▲ 35.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 58% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €45k
Fixed assets
€11k▼ 46.7%
Current assets
€34k▲ 19.9%
Equity and liabilities €45k
Equity
€34k▲ 5.5%
Debt
€12k▼ 33.0%
The debt ratio falls from 35.3% to 25.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€13k▲
2024 · €11k
Cash flow
€11k▲
2024 · €10k
Solvency
74.2%▲
2024 · 64.7%
Current ratio
2.93▲
2024 · 2.56
Quick ratio
2.88▲
2024 · 2.51
Debt / equity
0.35▼
2024 · 0.55
ROE
5.2%▲
2024 · 4.0%
ROA
3.9%▲
2024 · 2.6%
Interest coverage
17.96▲
2024 · 9.46
Debt
€12k▼
2024 · €17k
Debt ≤ 1 year
€12k▲
2024 · €11k
Income taxes
€1k
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€49k€45k▼
Fixed assets21/28€21k€11k▼
Tangible fixed assets22/27€21k€11k▼
Plant, machinery and equipment23€176€30▼
Furniture and vehicles24€21k€11k▼
Current assets29/58€29k€34k▲
Stocks and contracts in progress3€600€600=
Stocks30/36€600€600=
Amounts receivable within one year40/41€2k€560▼
Other amounts receivable41€2k€560▼
Cash at bank and in hand54/58€25k€17k▼
Deferred charges and accrued income490/1-€17k
Equity and liabilities
Total equity and liabilities10/49€49k€45k▼
Equity10/15€32k€34k▲
Contributions10/11€6k€6k=
Reserves13€13k€13k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€11k€11k=
Profit (loss) carried forward14€13k€14k▲
Amounts payable17/49€17k€12k▼
Amounts payable after more than one year17€6k-
Financial debts170/4€6k-
Amounts payable within one year42/48€11k€12k▲
Current portion of amounts payable after more than one year42€9k€6k▼
Trade debts44€1k€5k▲
Suppliers440/4€1k€5k▲
Taxes, remuneration and social security45€260€614▲
Taxes450/3-€62
Remuneration and social security454/9€260€552▲
Other amounts payable47/48€526-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€10k▲
Other operating charges640/8€1k€829▼
Gross operating margin9900€12k€14k▲
Operating profit (loss)9901€2k€4k▲
Financial income75/76B€44€44▼
Recurring financial income75€44€44▼
Financial charges65/66B€1k€749▼
Recurring financial charges65€1k€749▼
Profit (loss) for the period before taxes9903€1k€3k▲
Income taxes67/77-€1k
Profit (loss) for the period9904€1k€2k▲
Profit (loss) for the period to be appropriated9905€1k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€14k▲
Profit (loss) brought forward from the previous period14P€11k€13k▲
The notes to these accounts (4 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
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €10k ▲1476%
Operating result €11k, net result €10k, both a record.
30-06
Financial
Liquidity times 15current ratio 29.17
Current ratio from 1.90 to 29.17; short-term debt falls from €19k to €1k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €564
Net result €564 after one loss-making year.
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
28-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2022
Van Vooren Quinten
CurrentDirector · since 01-03-2022
01-03-2022
Van Vooren Quinten: Appointed as Director
01-03-2022
Van Vooren Steven: Resigned as Director
Location & real-estate footprint
Registered office, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2013
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.
Heidestraat 492070 Beveren-Kruibeke-ZwijndrechtGround area
1,000 m²
Building footprint
219 m²
Volume, LiDAR
1,129 m³
2 parcels, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Van Vooren Steven bvba
since 20132.216.883.035
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46012D0001/00B004 | Flanders | 748 m² | 1 · 112 m² | 9.2 m · 2 fl. |
| 11056B0400/00D003 | Flanders | 252 m² | 1 · 107 m² | 8.6 m · 2 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 23,794 EUR awarded · 23,794 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 6,877 EUR | 6,877 EUR |
| 2023 | 1 | 8,871 EUR | 8,871 EUR |
| 2022 | 1 | 8,046 EUR | 8,046 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Recognitions · licences · registrations
Dual-learning approval
1 endedSimilar companies · same sector, comparable size
HOME rénovation & décoration
BE 0893.263.595
Lasne · Eq €34k
DE BACKER CONSTRUCT
BE 0479.938.479
Sint-Pieters-Leeuw · Eq €34k
IONUT VASILESCU
BE 0538.451.849
Chièvres · Eq €34k
RENO STAN
BE 0898.397.073
Antwerpen · Eq €34k
Uni Team
BE 0750.603.519
Gent · Eq €34k
Of 7,248 companies in sector 43350 we hold annual accounts for 2,333. 1,913 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2012
Fiscal year end30-06
Activities, NACEBEL
43350Other building finishing work
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.