SavaS
ActiveSavaS has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €57k and a net result of €6k. Equity is shrinking by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 84% of 13936 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+78
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 4.67 against 4.58 in 2024; short-term debt: 21.3% and cash: 17.8% of total assets), and 22% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
78%
Return on assets
7.7%
Age of the figures
9 mo
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 31-12-2025 was due by 31-07-2026 and was filed on 05-05-2026, 87 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
87 d early
2024
85 d early
2023
69 d early
2022
70 d early
2021
80 d early
2020
67 d early
2019
49 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€57k▲ 10.9%
2024 · €52k
2018: €71k
2019: €96k
2020: €102k
2021: €111k
2022: €85k
2023: €72k
2024: €52k
2018 → 2025
Total assets
€73k▲ 12.2%
2024 · €65k
2018: €225k
2019: €225k
2020: €110k
2021: €123k
2022: €95k
2023: €84k
2024: €65k
2018 → 2025
Net result
€6k
2024 · €-20k
2018: €39k
2019: €39k
2020: €25k
2021: €9k
2022: €-10k
2023: €-13k
2024: €-20k
2018 → 2025
Working capital
€57k▲ 15.9%
2024 · €49k
2018: €72k
2019: €72k
2020: €97k
2021: €102k
2022: €73k
2023: €66k
2024: €49k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€111k-€85k▼ 23.5%€72k▼ 15.4%€52k▼ 28.3%€57k▲ 10.9%
Operating result€13k-€-9k€-13k▼ 46.6%€-20k▼ 58.2%€6k
Net result€9k-€-10k€-13k▼ 37.9%€-20k▼ 55.0%€6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €6k after a loss of €20k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €73k
Fixed assets
€581▼ 74.6%
Current assets
€73k▲ 15.3%
Equity and liabilities €73k
Equity
€57k▲ 10.9%
Debt
€16k▲ 16.9%
The debt ratio rises from 21.2% to 22.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€8k▲
2024 · €-15k
Cash flow
€7k▲
2024 · €-15k
Solvency
78.0%▼
2024 · 78.8%
Current ratio
4.67▲
2024 · 4.58
Quick ratio
2.30▲
2024 · 2.20
Debt / equity
0.28▲
2024 · 0.27
ROE
9.8%▲
2024 · -39.5%
ROA
7.7%▲
2024 · -31.1%
Interest coverage
28.21▲
2024 · -53.08
Debt
€16k▲
2024 · €14k
Debt ≤ 1 year
€16k▲
2024 · €14k
Income taxes
€236▲
2024 · €228
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€65k€73k▲
Fixed assets21/28€2k€581▼
Tangible fixed assets22/27€2k€581▼
Plant, machinery and equipment23€2k€581▼
Furniture and vehicles24€580€0▼
Current assets29/58€63k€73k▲
Stocks and contracts in progress3€33k€37k▲
Stocks30/36€33k€37k▲
Amounts receivable within one year40/41€6k€22k▲
Trade receivables40€6k€22k▲
Other amounts receivable41€329€0▼
Cash at bank and in hand54/58€23k€13k▼
Deferred charges and accrued income490/1€554€361▼
Equity and liabilities
Total equity and liabilities10/49€65k€73k▲
Equity10/15€52k€57k▲
Contributions10/11€12k€12k=
Reserves13€82k€82k=
Distributable reserves133€82k€82k=
Profit (loss) carried forward14€-43k€-37k▲
Amounts payable17/49€14k€16k▲
Amounts payable within one year42/48€14k€16k▲
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€228€1k▲
Taxes450/3€228€1k▲
Other amounts payable47/48€9k€11k▲
Accrued charges and deferred income492/3€68€585▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€2k▼
Other operating charges640/8€625€694▲
Gross operating margin9900€-15k€9k▲
Operating profit (loss)9901€-20k€6k▲
Financial income75/76B€280€0▼
Recurring financial income75€280€0▼
Financial charges65/66B€286€278▼
Recurring financial charges65€286€278▼
Profit (loss) for the period before taxes9903€-20k€6k▲
Income taxes67/77€228€236▲
Profit (loss) for the period9904€-20k€6k▲
Profit (loss) for the period to be appropriated9905€-20k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-43k€-37k▲
Profit (loss) brought forward from the previous period14P€-23k€-43k▼
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
05-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €6k
Net result €6k after 3 loss-making years.
07-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity times 9current ratio 12.94
Current ratio from 1.47 to 12.94; short-term debt falls from €152k to €8k.
31-12
Financial
Equity above €100kEq €102k ▲6.7%
3 profitable years in a row build equity to €102k.
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Antwerpen · 1 establishment unit since 2012
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.
Rubenslei 312018 AntwerpenGround area
241 m²
Building footprint
297 m²
Volume, LiDAR
6,936 m³
Parcel 11808H1206/00G007, Flanders · tallest building 31.7 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
SavaS
since 20122.209.435.712
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1206/00G007 | Flanders | 241 m² | 1 · 297 m² | 31.7 m · 10 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
Pieter Verbruggen BV
BE 0756.537.642
Sint-Katelijne-Waver · Eq €57k
IMMO - SALMON
BE 0442.828.853
Torhout · Eq €57k
MODALYMMO
BE 0899.047.270
Wavre · Eq €57k
IFL
BE 0414.344.705
Evergem · Eq €57k
KPM Properties
BE 0804.314.793
Elsene · Eq €57k
Of 11,751 companies in sector 68310 we hold annual accounts for 6,908. 4,969 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-03-2012
Fiscal year end31-12
Trade name NL
Serra Antwerp
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.
Contact details
1 entryE-mail:info@serra-antwerp.be