Summary
SVYCK is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €219k and a net result of €47k. Equity is growing by ~31.9% per year across the filed fiscal years. Its solvency ranks better than 76% of 9863 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-06-2025, 37 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
37 d early
2023
30 d early
2022
62 d early
2021
26 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€219k▲ 27.2%
2023 · €172k
2021: €72klowest in 4 years
2022: €128k▲ +77.1% vs 2021
2023: €172k▲ +34.5% vs 2022
2024: €219k▲ +27.2% vs 2023highest in 4 years
2021 → 2024
Net result
€47k▲ 5.9%
2023 · €44k
2021: €67khighest in 4 years
2022: €56k▼ -17.1% vs 2021
2023: €44k▼ -20.7% vs 2022lowest in 4 years
2024: €47k▲ +5.9% vs 2023
2021 → 2024
Total assets
€274k▲ 5.7%
2023 · €260k
2021: €96klowest in 4 years
2022: €263k▲ +173% vs 2021
2023: €260k▼ -1.3% vs 2022
2024: €274k▲ +5.7% vs 2023highest in 4 years
2021 → 2024
Solvency
79.7%▲ 13.4pp
2023 · 66.3%
2021: 75.0%
2022: 48.6%▼ -35.2% vs 2021lowest in 4 years
2023: 66.3%▲ +36.3% vs 2022
2024: 79.7%▲ +20.3% vs 2023highest in 4 years
2021 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€72k-€128k▲ 77.1%€172k▲ 34.5%€219k▲ 27.2%
2021: €72klowest in 4 years
2022: €128k▲ +77.1% vs 2021
2023: €172k▲ +34.5% vs 2022
2024: €219k▲ +27.2% vs 2023highest in 4 years
Operating result€86k-€77k▼ 9.9%€61k▼ 21.5%€64k▲ 6.2%
2021: €86khighest in 4 years
2022: €77k▼ -9.9% vs 2021
2023: €61k▼ -21.5% vs 2022lowest in 4 years
2024: €64k▲ +6.2% vs 2023
Net result€67k-€56k▼ 17.1%€44k▼ 20.7%€47k▲ 5.9%
2021: €67khighest in 4 years
2022: €56k▼ -17.1% vs 2021
2023: €44k▼ -20.7% vs 2022lowest in 4 years
2024: €47k▲ +5.9% vs 2023
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 2024; 2024 is 6% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €274k
Fixed assets
€202k ▼ 8.4%
Current assets
€73k ▲ 84.2%
Equity and liabilities €274k
Equity
€219k ▲ 27.2%
Debt
€56k ▼ 36.4%
Debt's share of the balance-sheet total falls from 33.7% to 20.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
21.4%▼
2023 · 25.7%
ROA
17.0%▲
2023 · 17.0%
Debt ≤ 1 year
€11k▼
2023 · €13k
Debt > 1 year
€45k▼
2023 · €75k
Income taxes
€18k▲
2023 · €17k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 40 lines
Balance sheet
Code20232024
Assets
Total assets20/58€260k€274k▲
Fixed assets21/28€220k€202k▼
Tangible fixed assets22/27€115k€97k▼
Furniture and vehicles24€10k€3k▼
Other tangible fixed assets26€105k€94k▼
Financial fixed assets28€105k€105k=
Current assets29/58€40k€73k▲
Amounts receivable within one year40/41€33k€31k▼
Trade receivables40€18k€18k=
Other amounts receivable41€15k€13k▼
Cash at bank and in hand54/58€6k€42k▲
Deferred charges and accrued income490/1€463€0▼
Equity and liabilities
Total equity and liabilities10/49€260k€274k▲
Equity10/15€172k€219k▲
Contributions10/11€5k€5k=
Reserves13€167k€214k▲
Distributable reserves133€167k€214k▲
Amounts payable17/49€88k€56k▼
Amounts payable after more than one year17€75k€45k▼
Other amounts payable178/9€75k€45k▼
Amounts payable within one year42/48€13k€11k▼
Trade debts44€4k€1k▼
Suppliers440/4€4k€1k▼
Taxes, remuneration and social security45€9k€9k▲
Taxes450/3€9k€9k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€18k▲
Other operating charges640/8€504€542▲
Gross operating margin9900€71k€83k▲
Operating profit (loss)9901€61k€64k▲
Financial income75/76B€450€764▲
Recurring financial income75€450€764▲
Financial charges65/66B€268€582▲
Recurring financial charges65€268€582▲
Profit (loss) for the period before taxes9903€61k€65k▲
Income taxes67/77€17k€18k▲
Profit (loss) for the period9904€44k€47k▲
Profit (loss) for the period to be appropriated9905€44k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€44k€47k▲
Transfer to equity691/2€44k€47k▲
To other reserves6921€44k€47k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | €7k | €10k | €18k | ▲ 77.4% |
| Other operating charges640/8 | €124 | €62 | €504 | €542 | ▲ 7.5% |
| Gross operating margin9900 | €93k | €84k | €71k | €83k | ▲ 16.6% |
| Operating profit (loss)9901 | €86k | €77k | €61k | €64k | ▲ 6.2% |
| Financial income75/76B | - | €126 | €450 | €764 | ▲ 69.9% |
| Recurring financial income75 | - | €126 | €450 | €764 | ▲ 69.9% |
| Financial charges65/66B | €17 | €210 | €268 | €582 | ▲ 117% |
| Recurring financial charges65 | €17 | €210 | €268 | €582 | ▲ 117% |
| Profit (loss) for the period before taxes9903 | €86k | €77k | €61k | €65k | ▲ 6.2% |
| Income taxes67/77 | €18k | €21k | €17k | €18k | ▲ 7.0% |
| Profit (loss) for the period9904 | €67k | €56k | €44k | €47k | ▲ 5.9% |
| Profit (loss) for the period to be appropriated9905 | €67k | €56k | €44k | €47k | ▲ 5.9% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €96k | €263k | €260k | €274k | ▲ 5.7% |
| Fixed assets21/28 | €22k | €120k | €220k | €202k | ▼ 8.4% |
| Tangible fixed assets22/27 | €22k | €15k | €115k | €97k | ▼ 16.0% |
| Furniture and vehicles24 | €22k | €15k | €10k | €3k | ▼ 75.0% |
| Other tangible fixed assets26 | - | - | €105k | €94k | ▼ 10.3% |
| Financial fixed assets28 | - | €105k | €105k | €105k | = |
| Current assets29/58 | €74k | €143k | €40k | €73k | ▲ 84.2% |
| Amounts receivable within one year40/41 | - | €4k | €33k | €31k | ▼ 6.7% |
| Trade receivables40 | - | - | €18k | €18k | = |
| Other amounts receivable41 | - | €4k | €15k | €13k | ▼ 14.9% |
| Cash at bank and in hand54/58 | €74k | €137k | €6k | €42k | ▲ 584% |
| Deferred charges and accrued income490/1 | - | €2k | €463 | €0 | ▼ 100% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €96k | €263k | €260k | €274k | ▲ 5.7% |
| Equity10/15 | €72k | €128k | €172k | €219k | ▲ 27.2% |
| Contributions10/11 | €5k | €5k | €5k | €5k | = |
| Reserves13 | €67k | €123k | €167k | €214k | ▲ 28.0% |
| Distributable reserves133 | €67k | €123k | €167k | €214k | ▲ 28.0% |
| Amounts payable17/49 | €24k | €135k | €88k | €56k | ▼ 36.4% |
| Amounts payable after more than one year17 | - | €105k | €75k | €45k | ▼ 40.0% |
| Other amounts payable178/9 | - | €105k | €75k | €45k | ▼ 40.0% |
| Amounts payable within one year42/48 | €24k | €30k | €13k | €11k | ▼ 14.9% |
| Trade debts44 | €962 | €1k | €4k | €1k | ▼ 67.2% |
| Suppliers440/4 | €962 | €1k | €4k | €1k | ▼ 67.2% |
| Taxes, remuneration and social security45 | €23k | €29k | €9k | €9k | ▲ 9.1% |
| Taxes450/3 | €23k | €29k | €9k | €9k | ▲ 9.1% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €67k | €56k | €44k | €47k | ▲ 5.9% |
| + Depreciation and write-downs630 | €8k | €7k | €10k | €18k | ▲ 77.4% |
| Operating cash flow (approximation) | €75k | €63k | €55k | €65k | ▲ 19.5% |
| Investment in fixed assets (approximation) | - | €-105k | €-110k | €0 | ▲ 100% |
| Change in cash | - | €63k | €-131k | €36k | ▲ 128% |
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
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 6.83
Current ratio from 3.15 to 6.83; short-term debt falls from €13k to €11k.
31-12
Financial
Equity above €200kEq €219k ▲27.2%
4 profitable years in a row build equity to €219k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €44k ▼20.7%
Net result drops to €44k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €172k ▲34.5%
3 profitable years in a row build equity to €172k.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €128k ▲77.1%
2 profitable years in a row build equity to €128k.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Lommel · 1 establishment unit since 2020
Ground area
886 m²
Building footprint
120 m²
Volume, LiDAR
715 m³
Parcel 72020C0184/00F002, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
SVYCK
since 20202.311.074.983
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C0184/00F002 | Flanders | 886 m² | 1 · 120 m² | 9.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
BRABANT CONSULTING
BE 0894.198.260
Roeselare · Eq €218,726
Miccaro
BE 0642.933.222
Ternat · Eq €218,763
JULOCO
BE 0881.541.344
Beveren-Kruibeke-Zwijndrecht · Eq €218,572
DEVAUX-Réviseur d'Entreprises
BE 0808.330.692
Virton · Eq €218,523
Mojk Consultancy
BE 0846.001.435
Gent · Eq €218,969
Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 13,560 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
Founded24-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.