Zilvervos
ActiveSummary
Zilvervos has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37,580 and a net result of €40,579. Equity is growing by ~26.8% per year across the filed fiscal years. Its solvency ranks better than 26% of 17179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability58▼-23
Solvency53▼-47
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity tight (current ratio 1.27 against 28.92 in 2024; short-term debt: 36.2% and cash: 23.7% of total assets), and 71.7% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
28.3%
Return on assets
30.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
15 d early
2023
92 d early
2022
76 d early
2021
101 d early
2020
121 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 68 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
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 close27-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€37,580▲ 95.2%
2024 · €19,253
Total assets
€132,639▲ 565%
2024 · €19,942
Net result
€40,579▲ 1,065%
2024 · €3,482
Working capital
€12,800▼ 33.5%
2024 · €19,253
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€15,420▲ 155,035%€16,109▲ 4.5%€9,282▼ 42.4%€4,695▼ 49.4%€48,011▲ 923%
Net result€12,305within the sector's middle half▲ 158,877%€12,840within the sector's middle half▲ 4.3%€7,383within the sector's middle half▼ 42.5%€3,482below the sector's middle half▼ 52.8%€40,579within the sector's middle half▲ 1,065%
Equity€14,813below the sector's middle half▲ 491%€27,652within the sector's middle half▲ 86.7%€23,271below the sector's middle half▼ 15.8%€19,253below the sector's middle half▼ 17.3%€37,580within the sector's middle half▲ 95.2%
Total assets€19,130below the sector's middle half▲ 538%€31,561below the sector's middle half▲ 65.0%€23,646below the sector's middle half▼ 25.1%€19,942below the sector's middle half▼ 15.7%€132,639within the sector's middle half▲ 565%
Debt€4,318▲ 780%€3,908▼ 9.5%€375▼ 90.4%€689▲ 83.8%€95,059▲ 13,687%
Working capital€14,813▲ 491%€27,652▲ 86.7%€23,271▼ 15.8%€19,253▼ 17.3%€12,800▼ 33.5%
Solvency77.4%within the sector's middle half87.6%above the sector's middle half▲ 10.2pp98.4%above the sector's middle half▲ 10.8pp96.5%above the sector's middle half▼ 1.9pp28.3%within the sector's middle half▼ 68.2pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
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 923% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €132,639
Fixed assets
€71,764
Current assets
€60,875
Equity and liabilities €132,639
Equity
€37,580 ▲ 95.2%
Debt
€95,059 ▲ 13,687%
Debt's share of the balance-sheet total rises from 3.5% to 71.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€63,617
Cash flow
€56,186
Current ratio
1.27▼
2024 · 28.92
Debt to equity
2.53▲
2024 · 0.04
ROE
108.0%▲
2024 · 18.1%
ROA
30.6%▲
2024 · 17.5%
Interest coverage
0.93
Debt ≤ 1 year
€48,075▲
2024 · €689
Debt > 1 year
€46,984
Income taxes
€5,001▲
2024 · €1,161
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,703 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.7%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,703 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | - | €15,606 | - |
| Other operating charges640/8 | - | €62 | €225 | €62 | €62 | = |
| Gross operating margin9900 | €15,420 | €16,171 | €9,507 | €4,757 | €63,679 | ▲ 1,239% |
| Operating profit (loss)9901 | €15,420 | €16,109 | €9,282 | €4,695 | €48,011 | ▲ 923% |
| Financial income75/76B | - | - | - | - | €65,631 | - |
| Recurring financial income75 | €7 | - | - | - | €65,631 | - |
| Financial charges65/66B | - | €61 | €57 | €52 | €68,061 | ▲ 130,036% |
| Recurring financial charges65 | €47 | €61 | €57 | €52 | €68,061 | ▲ 130,036% |
| Profit (loss) for the period before taxes9903 | €15,381 | €16,047 | €9,225 | €4,643 | €45,581 | ▲ 882% |
| Income taxes67/77 | €3,076 | €3,208 | €1,842 | €1,161 | €5,001 | ▲ 331% |
| Profit (loss) for the period9904 | €12,305 | €12,840 | €7,383 | €3,482 | €40,579 | ▲ 1,065% |
| Profit (loss) for the period to be appropriated9905 | €12,305 | €12,840 | €7,383 | €3,482 | €40,579 | ▲ 1,065% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €19,130 | €31,561 | €23,646 | €19,942 | €132,639 | ▲ 565% |
| Fixed assets21/28 | - | - | - | - | €71,764 | - |
| Tangible fixed assets22/27 | - | - | - | - | €71,764 | - |
| Plant, machinery and equipment23 | - | - | - | - | €2,914 | - |
| Furniture and vehicles24 | - | - | - | - | €68,850 | - |
| Current assets29/58 | €19,130 | €31,561 | €23,646 | €19,942 | €60,875 | ▲ 205% |
| Amounts receivable within one year40/41 | €1,875 | €2,067 | €2,089 | €2,914 | €28,672 | ▲ 884% |
| Trade receivables40 | - | €2,063 | €1,375 | €1,375 | €26,673 | ▲ 1,840% |
| Other amounts receivable41 | - | €4 | €714 | €1,539 | €1,999 | ▲ 29.8% |
| Cash at bank and in hand54/58 | €17,255 | €29,494 | €21,557 | €17,028 | €31,408 | ▲ 84.4% |
| Deferred charges and accrued income490/1 | - | - | - | - | €795 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €19,130 | €31,561 | €23,646 | €19,942 | €132,639 | ▲ 565% |
| Equity10/15 | €14,813 | €27,652 | €23,271 | €19,253 | €37,580 | ▲ 95.2% |
| Contributions10/11 | - | €2,500 | €2,500 | €2,500 | €2,500 | = |
| Reserves13 | €12,313 | €25,152 | €20,771 | €16,753 | €35,080 | ▲ 109% |
| Distributable reserves133 | - | €25,152 | €20,771 | €16,753 | €35,080 | ▲ 109% |
| Amounts payable17/49 | €4,318 | €3,908 | €375 | €689 | €95,059 | ▲ 13,687% |
| Amounts payable after more than one year17 | - | - | - | - | €46,984 | - |
| Financial debts170/4 | - | - | - | - | €46,984 | - |
| Amounts payable within one year42/48 | €4,318 | €3,908 | €375 | €689 | €48,075 | ▲ 6,873% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €13,675 | - |
| Trade debts44 | €72 | €78 | €375 | €59 | €277 | ▲ 366% |
| Suppliers440/4 | - | €78 | €375 | €59 | €277 | ▲ 366% |
| Taxes, remuneration and social security45 | - | €3,830 | - | €630 | €8,077 | ▲ 1,182% |
| Taxes450/3 | - | €3,830 | - | €630 | €8,077 | ▲ 1,182% |
| Other amounts payable47/48 | - | - | - | - | €26,046 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12,305 | €12,840 | €7,383 | €3,482 | €40,579 | ▲ 1,065% |
| + Depreciation and write-downs630 | - | - | - | - | €15,606 | - |
| Operating cash flow (approximation) | €12,305 | €12,840 | €7,383 | €3,482 | €56,186 | ▲ 1,513% |
| Change in cash | - | €12,239 | -€7,937 | -€4,529 | €14,380 | ▲ 418% |
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2020net €40,579 ▲1,065%
Operating result €48,011, net result €40,579, both a record.
16-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Liquidity times 8current ratio 63.02
Current ratio from 8.08 to 63.02; short-term debt falls from €3,908 to €375.
2022
16-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
22-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
02-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Herk-de-Stad · 1 establishment unit since 2020
Ground area
1,125 m²
Building footprint
154 m²
Parcel 71024A0565/00C003, Flanders. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Zilvervos
since 20202.298.199.620
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71024A0565/00C003 | Flanders | 1,125 m² | 1 · 154 m² | 0.0 m |
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.
Recognitions · licences · registrations
Legal Entity Identifier
699400EOPWVSYSP4QZ93
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Of 30,007 companies in sector 62200 we hold annual accounts for 18,400. 14,863 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
Founded23-01-2020
Fiscal year end30-06
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
47120Other non-specialised retail sale
62900Other information technology and computer services
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
70200Business and other management consultancy
82100Office administrative and support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0741928848
Registered
08-12-2024
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.