DE SAVEUR J& L
ActiveDE SAVEUR J& L has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €82k and a net result of €2k. Equity is shrinking by ~3% per year across the filed fiscal years. Its solvency ranks better than 81% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability70▼-7
Solvency100▲+3
Growth27=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.26 against 2.85 in 2023; short-term debt: 25.2% and cash: 63.1% of total assets), and 25.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
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 13-06-2025, 48 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
48 d early
2023
50 d early
2022
55 d early
2021
46 d early
2020
46 d early
2019
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€136k▼ 0.3%
2021 · €137k
2018: €168k
2019: €150k
2020: €155k
2021: €137k
2018 → 2022
EBIT margin
2.3%▲ 4.4pp
2021 · -2.1%
2018: 10.5%
2019: 11.0%
2020: 6.0%
2021: -2.1%
2018 → 2022
Net result
€2k▼ 82.1%
2023 · €8k
2018: €15k
2019: €10k
2020: €10k
2021: €-3k
2022: €998
2023: €8k
2018 → 2024
Working capital
€63k▼ 6.5%
2023 · €67k
2018: €107k
2019: €43k
2020: €61k
2021: €58k
2022: €66k
2023: €67k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€155k-€137k▼ 11.5%€136k▼ 0.3%
Equity€112k-€103k▼ 8.0%€101k▼ 2.4%€92k▼ 9.1%€82k▼ 10.3%
Operating result€9k-€-3k€3k€12k▲ 269%€1k▼ 88.5%
Net result€10k-€-3k€998€8k▲ 746%€2k▼ 82.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 89% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €110k
Fixed assets
€20k▼ 20.4%
Current assets
€90k▼ 12.5%
Equity and liabilities €110k
Equity
€82k▼ 10.3%
Debt
€28k▼ 23.5%
The debt ratio falls from 28.3% to 25.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€6k▼
2023 · €17k
Cash flow
€7k▼
2023 · €13k
Solvency
74.8%▲
2023 · 71.7%
Current ratio
3.26▲
2023 · 2.85
Quick ratio
3.16▲
2023 · 2.78
Debt / equity
0.34▼
2023 · 0.39
ROE
1.8%▼
2023 · 9.2%
ROA
1.4%▼
2023 · 6.6%
Interest coverage
64.57▼
2023 · 180.14
Debt
€28k▼
2023 · €36k
Debt ≤ 1 year
€28k▼
2023 · €36k
Income taxes
€274▼
2023 · €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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€128k€110k▼
Fixed assets21/28€25k€20k▼
Tangible fixed assets22/27€25k€20k▼
Land and buildings22€24k€19k▼
Plant, machinery and equipment23€1k€666▼
Current assets29/58€103k€90k▼
Stocks and contracts in progress3€3k€3k▲
Stocks30/36€3k€3k▲
Amounts receivable within one year40/41€16k€18k▲
Trade receivables40€16k€17k▲
Other amounts receivable41-€1k
Cash at bank and in hand54/58€85k€69k▼
Equity and liabilities
Total equity and liabilities10/49€128k€110k▼
Equity10/15€92k€82k▼
Contributions10/11€46k€46k=
Reserves13€28k€20k▼
Distributable reserves133€28k€20k▼
Profit (loss) carried forward14€17k€16k▼
Amounts payable17/49€36k€28k▼
Amounts payable within one year42/48€36k€28k▼
Financial debts43€10k€10k=
Other loans439€10k€10k=
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€2k€1k▼
Taxes450/3€2k€1k▼
Other amounts payable47/48€20k€15k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€2k€1k▼
Gross operating margin9900€18k€7k▼
Operating profit (loss)9901€12k€1k▼
Financial income75/76B€238€540▲
Recurring financial income75€238€540▲
Financial charges65/66B€93€99▲
Recurring financial charges65€93€99▲
Profit (loss) for the period before taxes9903€12k€2k▼
Income taxes67/77€3k€274▼
Profit (loss) for the period9904€8k€2k▼
Profit (loss) for the period to be appropriated9905€8k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€19k▼
Profit (loss) brought forward from the previous period14P€17k€17k▲
Transfer from equity791/2€18k€10k▼
Transfer to equity691/2€8k€2k▼
To other reserves6921€8k€2k▼
Profit to be distributed694/7€18k€11k▼
Return on contributions (dividend)694€18k€11k▼
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
2025
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €998
Net result €998 after one loss-making year.
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-3k ▼129%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €100kEq €104k ▲9.2%
2 profitable years in a row build equity to €104k.
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
01-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Overijse · 1 establishment unit since 2004
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.
Alf. Moerenhoutstraat 173090 OverijseGround area
2.0 ha
Building footprint
180 m²
Parcel 23546L0480/00L000, Flanders. Linked by address, not a title deed.
1 establishment unit
DE SAVEUR J&L
since 20042.142.535.802
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23546L0480/00L000 | Flanders | 2.0 ha | 1 · 180 m² | - |
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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NTN
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FINTA CONSTRUCT
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Of 15,541 companies in sector 43990 we hold annual accounts for 7,422. 6,244 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-10-2004
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
45250
43230Insulation installation
43291Specialised construction activities
43310Plastering work
43320Joinery installation
45421
46130Agents in the wholesale of timber and building materials
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.