SVW Service
ActiveThe computed 12-month bankruptcy probability of SVW Service is 2.3% (moderate). The 2025 annual accounts show equity of €76k and a net result of €42k. Equity is growing by ~72.8% per year across the filed fiscal years. Its solvency ranks better than 75% of 27711 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
81
/ 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
Profitability100▲+25
Solvency95=
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.16 against 3.01 in 2024; short-term debt: 29.9% and cash: 29% of total assets), and 29.9% 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 · 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
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 · 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
70.1%
Return on assets
38.6%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
2 d early
2024
2 d early
2023
9 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€76k▲ 123%
2024 · €34k
2023: €26k
2024: €34k
2023 → 2025
Total assets
€108k▲ 122%
2024 · €49k
2023: €61k
2024: €49k
2023 → 2025
Net result
€42k▲ 436%
2024 · €8k
2023: €24k
2024: €8k
2023 → 2025
Working capital
€70k▲ 137%
2024 · €30k
2023: €20k
2024: €30k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€26k-€34k▲ 29.7%€76k▲ 123%
Operating result€30k-€14k▼ 53.1%€60k▲ 321%
Net result€24k-€8k▼ 67.2%€42k▲ 436%
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 321% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €108k
Fixed assets
€6k▲ 30.1%
Current assets
€103k▲ 132%
Equity and liabilities €108k
Equity
€76k▲ 123%
Debt
€32k▲ 121%
The debt ratio falls from 30.1% to 29.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€62k▲
2024 · €17k
Cash flow
€44k▲
2024 · €10k
Solvency
70.1%▲
2024 · 69.9%
Current ratio
3.16▲
2024 · 3.01
Quick ratio
3.16▲
2024 · 2.33
Debt / equity
0.43▼
2024 · 0.43
ROE
55.1%▲
2024 · 22.9%
ROA
38.6%▲
2024 · 16.0%
Interest coverage
19.94▲
2024 · 4.39
Debt
€32k▲
2024 · €15k
Debt ≤ 1 year
€32k▲
2024 · €15k
Income taxes
€15k▲
2024 · €3k
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€108k▲
Fixed assets21/28€5k€6k▲
Tangible fixed assets22/27€5k€6k▲
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€3k€3k▲
Current assets29/58€44k€103k▲
Stocks and contracts in progress3€10k-
Contracts in progress37€10k-
Amounts receivable within one year40/41€32k€71k▲
Trade receivables40€30k€41k▲
Other amounts receivable41€3k€30k▲
Cash at bank and in hand54/58€2k€31k▲
Deferred charges and accrued income490/1€299€250▼
Equity and liabilities
Total equity and liabilities10/49€49k€108k▲
Equity10/15€34k€76k▲
Contributions10/11€3k€3k=
Reserves13€32k€74k▲
Distributable reserves133€32k€74k▲
Amounts payable17/49€15k€32k▲
Amounts payable within one year42/48€15k€32k▲
Trade debts44€10k€25k▲
Suppliers440/4€10k€25k▲
Taxes, remuneration and social security45€2k€8k▲
Taxes450/3€44€8k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€2k-
Income statement
Code20242025
Non-recurring operating income76A-€4k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€734€698▼
Non-recurring operating charges66A€2k-
Gross operating margin9900€19k€63k▲
Operating profit (loss)9901€14k€60k▲
Financial income75/76B€12€10▼
Recurring financial income75€12€10▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€10k€57k▲
Income taxes67/77€3k€15k▲
Profit (loss) for the period9904€8k€42k▲
Profit (loss) for the period to be appropriated9905€8k€42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€42k▲
Transfer to equity691/2€8k€42k▲
To other reserves6921€8k€42k▲
The notes to these accounts (7 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €42k ▲436%
Operating result €60k, net result €42k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €8k ▼67.2%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Aarschot · 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.
Mouthorensteenweg 613201 AarschotGround area
899 m²
Building footprint
276 m²
Volume, LiDAR
1,487 m³
Parcel 24060A0275/00R000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SVW Service
since 20232.348.504.117
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24060A0275/00R000 | Flanders | 899 m² | 1 · 276 m² | 8.6 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.
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BE 0681.686.504
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Vyvey Kenny
BE 1008.269.765
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S.A.I.
BE 0430.108.688
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THEETEN et FILS
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Of 7,042 companies in sector 43221 we hold annual accounts for 3,469. 3,051 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-08-2023
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.