Suvia Belgium

Active

Private limited companyfounded 20215 yrs activeNeringenweg 44, 3001 Leuven, BelgiumKBO/BCE: BE 0766.379.182

Summary

The computed 12-month bankruptcy probability of Suvia Belgium is 2.2% (moderate). The 2025 annual accounts show equity of €9.10M and a net result of €-9k. Equity is growing by ~24% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

60 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability37▲+1

Solvency92▼-8

Growth52=

Track record94

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500k at 30 days acceptable

Liquidity tight (current ratio 1.12 against 1.47 in 2024; short-term debt: 15.7% and cash: 9.8% of total assets), and 33.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit check for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

No NACE activity registered

No NACE activity is registered in the KBO, which is more common among companies that later fail.

KBO · activities

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

66.8%

Return on assets

-0.1%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-07-2026, 11 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

11 d early

2024

81 d late

2023

6 d early

2022

19 d early

2021

16 d early

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, full schema, statutory accounts

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€-9k▲ 86.7%

2024 · €-66k

2021: €2.96M 2022: €-358k 2023: €4.93M 2024: €-66k

2021 → 2025

Working capital

€251k▼ 32.5%

2024 · €372k

2021: €-329k 2022: €-497k 2023: €-917k 2024: €372k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€2.96M-€2.61M▼ 12.1%€7.54M▲ 189%€9.10M▲ 20.8%€9.10M▼ 0.1%

Operating result€-115k-€-79k▲ 30.8%€4.77M€-214k€-135k▲ 37.1%

Net result€2.96M-€-358k€4.93M€-66k€-9k▲ 86.7%

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €135k in 2025 against €214k in 2024; the loss shrinks.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €13.62M

82.4%

17.6%

Fixed assets €11.22M ▲ 2.2%

Current assets €2.40M ▲ 107%

Equity and liabilities €13.62M

66.8%

33.2%

Equity €9.10M ▼ 0.1%

Debt €4.52M ▲ 49.3%

Debt's share of the balance-sheet total rises from 25.0% to 33.2%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

Current ratio

1.12▼

2024 · 1.47

Debt to equity

0.50▲

2024 · 0.33

ROE

-0.1%▲

2024 · -0.7%

ROA

-0.1%▲

2024 · -0.5%

Debt ≤ 1 year

€2.14M▲

2024 · €785k

Debt > 1 year

€2.38M▲

2024 · €2.24M

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 · 2025 against 2024 · 41 lines

Balance sheet Code20242025

Assets

Total assets20/58€12.13M€13.62M▲

Fixed assets21/28€10.98M€11.22M▲

Financial fixed assets28€10.98M€11.22M▲

Affiliated companies280/1-€11.22M

Participating interests280-€6.70M

Amounts receivable281-€4.52M

Current assets29/58€1.16M€2.40M▲

Amounts receivable within one year40/41€1.01M€1.07M▲

Other amounts receivable41€1.01M€1.07M▲

Cash at bank and in hand54/58€142k€1.33M▲

Deferred charges and accrued income490/1€798-

Equity and liabilities

Total equity and liabilities10/49€12.13M€13.62M▲

Equity10/15€9.10M€9.10M▼

Contributions10/11€1.63M€1.63M=

Reserves13€7.47M€7.46M▼

Distributable reserves133€7.47M€7.46M▼

Amounts payable17/49€3.03M€4.52M▲

Amounts payable after more than one year17€2.24M€2.38M▲

Other amounts payable178/9€2.24M€2.38M▲

Amounts payable within one year42/48€785k€2.14M▲

Trade debts44€121k€46k▼

Suppliers440/4€121k€46k▼

Other amounts payable47/48€664k€2.10M▲

Income statement Code20242025

Operating charges60/66A-€135k

Services and other goods61-€135k

Other operating charges640/8€1k€120▼

Gross operating margin9900€-213k-

Operating profit (loss)9901€-214k€-135k▲

Financial income75/76B€290k€306k▲

Recurring financial income75€290k€306k▲

Income from financial fixed assets750-€306k

Financial charges65/66B€142k€181k▲

Recurring financial charges65€142k€181k▲

Debt charges650-€180k

Other financial charges652/9-€166

Profit (loss) for the period before taxes9903€-66k€-9k▲

Profit (loss) for the period9904€-66k€-9k▲

Profit (loss) for the period to be appropriated9905€-66k€-9k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-66k€-9k▲

Transfer from equity791/2€66k€9k▼

From reserves792-€9k

The notes to these accounts (21 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 12Financial 4Gazette 2Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

15-09

State Gazette act Resignation: Standard Repair B.V. (director)

Permanent representatives: Hendrik Jan ten Have, Dieter Wemel and Jurgen Convens · Appointments: Jens Jensen, Jani Partanen and 2 others · Director discharge15 facts ▸

General meeting, 31-08-2026
Director resignation, Standard Repair B.V. (director)
Permanent representative, Hendrik Jan ten Have (permanent representative)
Director discharge, Standard Repair B.V.
Director appointment, Jens Jensen (director)
Director appointment, Jani Partanen (director)
Director appointment, Iron Management CommV (director)
Permanent representative, Dieter Wemel (permanent representative)
Director appointment, JUCOFIN BV (director)
Permanent representative, Jurgen Convens (permanent representative)
Board meeting, 31-08-2026
Director appointment, Iron Management CommV (managing director)
+3 further facts in this act

10-09

State Gazette act Appointments: JENSEN Jens (a bestuurder) and PARTANEN Jani (a bestuurder)

Permanent representatives: CONVENS Jurgen and WEMEL Dieter · Name change · Purpose change15 facts ▸

General meeting, 01-09-2026
Name change, Suvia Belgium
Purpose change, a. het verrichten van advies- en managementdiensten tegen vergoeding aan derden... f. het verrichten van al hetgeen met het vorenstaande in de ruimste zin verba…
Statutes amendment
Statutes amendment
Statutes amendment
Capital
Director appointment, JENSEN Jens (a bestuurder)
Director appointment, PARTANEN Jani (a bestuurder)
Board composition, JENSEN Jens (a bestuurder)
Board composition, PARTANEN Jani (a bestuurder)
Board composition, Jucofin (gewone bestuurder)
+3 further facts in this act

26-08

NBB filing Annual accounts filed

fiscal year 2025 · consolidated

20-07

NBB filing Annual accounts filed

fiscal year 2025 · full schema

2025

20-10

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema · 81 days late

2024

31-12

Financial Liquidity triplescurrent ratio 1.47

Current ratio from 0.58 to 1.47; short-term debt falls from €2.20M to €785k.

25-07

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

31-12

Financial Back to profitnet €4.93M

Net result €4.93M after one loss-making year.

31-12

Financial Equity above €5MEq €7.54M ▲189%

Equity rises from €2.61M to €7.54M.

12-07

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

31-12

Financial Weakest financial yearnet €-358k ▼112%

Net result drops to €-358k, the lowest in the series; recovery starts the following year.

15-07

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

4 directors, no change since 2026

Iron Management

Managing director · since 31-08-2026 · Limited partnership · perm. rep.: Dieter Wemel

Current

JENSEN Jens

A bestuurder · since 31-08-2026

Current

JUCOFIN

Director · since 31-08-2026 · Private limited company (pre-2019) · perm. rep.: Jurgen Convens

Current

PARTANEN Jani

A bestuurder · since 31-08-2026

Current

01-09-2026 Iron Management: Appointed as Managing director

01-09-2026 JENSEN Jens: Appointed as A bestuurder

01-09-2026 PARTANEN Jani: Appointed as A bestuurder

31-08-2026 Iron Management: Appointed as Director

31-08-2026 JENSEN Jens: Appointed as Director

Full history in the Timeline (8 changes) →

Location & real-estate footprint

Registered office, Leuven · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Neringenweg 443001 Leuven

Ground area

1.2 ha

Building footprint

3,169 m²

Volume, LiDAR

23,995 m³

2 parcels, Flanders · tallest building 18.8 m, ±6 floors. Linked by address, not a title deed.

1 establishment unit

Standard Investment Belgium Alpha

Dascottelei 11, 2100 AntwerpenComputing infrastructure, data processing, hosting and other information service activities

since 20212.319.703.827

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24514C0173/03A000	Flanders	7,586 m²	1 · 2,879 m²	9.7 m · 2 fl.
11346B0465/00B000	Flanders	4,765 m²	1 · 290 m²	18.8 m · 6 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.

Articles of association

Structure & network

Connections & network

3 connected companies

Shared directors

Linked via shared directors

AFRIMA

Shared corporate director

→

CARE CARROSSERIE

Shared corporate director

→

SIARG

Shared corporate director

→

Capital and shareholders

Capital over the years

10-09-2026 Capital stated in the act · 10,000 shares

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded06-04-2021

Fiscal year end31-12

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.