SAVE DEAL
ActiveSummary
SAVE DEAL has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.41M and a net result of €45k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 29% of 3187 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▼-5
Solvency54▼-35
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €210k at 30 days acceptable
Liquidity ample (current ratio 7.62 against 3.56 in 2024; short-term debt: 3.3% and cash: 1.7% of total assets), but 71% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
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
29%
Return on assets
0.4%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
2 d late
2024
4 d late
2022
72 d late
2021
79 d late
2020
89 d late
2019
91 d late
2018
on the day
← before the deadline
after the deadline →
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€936k
EBIT margin
54.1%
Net result
€45k▼ 13.7%
2024 · €53k
2018: €285k
2019: €111k
2020: €443k
2021: €273k
2022: €50k
2024: €53k
2018 → 2025
Working capital
€2.57M▲ 21.6%
2024 · €2.12M
2018: €2.41M
2019: €2.48M
2020: €2.48M
2021: €2.47M
2022: €2.74M
2024: €2.12M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€3.69M-€3.78M▲ 2.3%€3.69M▼ 2.2%€3.48M▼ 5.8%€3.41M▼ 1.9%
Operating result€698k-€276k▼ 60.5%€72k▼ 73.8%€103k▲ 42.5%€214k▲ 107%
Net result€443k-€273k▼ 38.4%€50k▼ 81.7%€53k▲ 5.5%€45k▼ 13.7%
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 107% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11.78M
Fixed assets
€8.82M ▲ 252%
Current assets
€2.96M ▲ 0.7%
Equity and liabilities €11.78M
Equity
€3.41M ▼ 1.9%
Debt
€8.37M ▲ 325%
Debt's share of the balance-sheet total rises from 36.2% to 71.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€562k▲
2024 · €284k
Cash flow
€393k▲
2024 · €234k
Current ratio
7.62▲
2024 · 3.56
Debt to equity
2.45▲
2024 · 0.57
ROE
1.3%▼
2024 · 1.5%
ROA
0.4%▼
2024 · 1.0%
Interest coverage
2.38▼
2024 · 2.88
Debt ≤ 1 year
€389k▼
2024 · €826k
Debt > 1 year
€7.93M▲
2024 · €1.09M
Income taxes
€9k▼
2024 · €32k
Staff costs
€29k▼
2024 · €47k
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 · 64 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.45M€11.78M▲
Fixed assets21/28€2.51M€8.82M▲
Tangible fixed assets22/27€1.86M€8.17M▲
Land and buildings22€1.80M€8.13M▲
Furniture and vehicles24€60k€38k▼
Financial fixed assets28€646k€646k=
Current assets29/58€2.94M€2.96M▲
Amounts receivable after more than one year29-€562k
Other amounts receivable291-€562k
Amounts receivable within one year40/41€952k€408k▼
Trade receivables40€253k€289k▲
Other amounts receivable41€699k€120k▼
Current investments50/53€1.53M€1.72M▲
Cash at bank and in hand54/58€225k€198k▼
Deferred charges and accrued income490/1€232k€77k▼
Equity and liabilities
Total equity and liabilities10/49€5.45M€11.78M▲
Equity10/15€3.48M€3.41M▼
Contributions10/11€1.82M€1.82M=
Reserves13€1.50M€1.43M▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€36k€36k=
Distributable reserves133€1.46M€1.40M▼
Profit (loss) carried forward14€160k€161k▲
Provisions and deferred taxes16€0-
Deferred taxes168€0-
Amounts payable17/49€1.97M€8.37M▲
Amounts payable after more than one year17€1.09M€7.93M▲
Financial debts170/4€1.09M€7.43M▲
Other amounts payable178/9-€501k
Amounts payable within one year42/48€826k€389k▼
Current portion of amounts payable after more than one year42€149k€180k▲
Financial debts43€360k€0▼
Credit institutions430/8€360k€0▼
Trade debts44€34k€70k▲
Suppliers440/4€34k€70k▲
Taxes, remuneration and social security45€17k€8k▼
Taxes450/3€13k€4k▼
Remuneration and social security454/9€4k€4k▼
Other amounts payable47/48€266k€131k▼
Accrued charges and deferred income492/3€50k€48k▼
Income statement
Code20242025
Remuneration, social security and pensions62€47k€29k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€181k€348k▲
Other operating charges640/8€30k€24k▼
Gross operating margin9900€361k€614k▲
Operating profit (loss)9901€103k€214k▲
Financial income75/76B€79k€77k▼
Recurring financial income75€79k€77k▼
Financial charges65/66B€99k€236k▲
Recurring financial charges65€99k€236k▲
Profit (loss) for the period before taxes9903€83k€55k▼
Transfer from deferred taxes780€933€0▼
Income taxes67/77€32k€9k▼
Profit (loss) for the period9904€53k€45k▼
Transfer from tax-exempt reserves789€3k€0▼
Profit (loss) for the period to be appropriated9905€55k€45k▼
Appropriation of the result
Profit (loss) to be appropriated9906€215k€206k▼
Profit (loss) brought forward from the previous period14P€160k€160k▲
Transfer from equity791/2€266k€113k▼
Transfer to equity691/2€55k€45k▼
To other reserves6921€55k€45k▼
Profit to be distributed694/7€266k€113k▼
Return on contributions (dividend)694€266k€113k▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (18 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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 2 days late
2025
30-06
Financial
Weakest financial yearnet €45k ▼13.7%
Net result drops to €45k, the lowest in the series.
30-06
Financial
Liquidity doublescurrent ratio 7.62
Current ratio from 3.56 to 7.62; short-term debt falls from €826k to €389k.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 4 days late
2023
11-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 72 days late
2022
18-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 79 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 89 days late
2020
31-12
Financial
Highest result since 2018net €443k ▲298%
Operating result €698k, net result €443k, both a record.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Watermaal-Bosvoorde · 1 establishment unit since 2002
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.
Vorstlaan 241170 Watermaal-BosvoordeGround area
4,498 m²
Building footprint
957 m²
Volume, LiDAR
13,037 m³
2 parcels, Brussels · tallest building 19.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Paul Hymanslaan 83 8, 1200 Sint-Lambrechts-Woluwe
since 20022.114.114.109
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21672C0013/00S000 | Brussels | 2,315 m² | 1 · 242 m² | 19.9 m · 5 fl. |
| 21652E0165/00Y007 | Brussels | 2,183 m² | 1 · 716 m² | 19.5 m · 5 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.
Recognitions · licences · registrations
Legal Entity Identifier
549300MLSI902WI0HV91
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 14,603 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-07-2002
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.