SavepoinT · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of SavepoinT is 0.2% (very low). The 2019 annual accounts show equity of €163k and a net result of €49k. The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Signals

Insufficient current data: the most recent filed accounts (financial year 2019) are too old to derive current signals.

Filing behaviour

From the deposit records, complete market-wide

Annual accounts not filed

The financial year that closed on 30-06-2020 was due at the National Bank by 31-01-2021. Nothing is on record today, 2022 days later. 6 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.

A punctual record breaks

This company filed 9 consecutive financial years on time. The year that closed on 30-06-2019 was due by 31-01-2020 and was filed on 30-03-2020, 59 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2019, that is 31-01-2020.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	nothing on record	not filed	-
30-06-2024	31-01-2025	nothing on record	not filed	-
30-06-2023	31-01-2024	nothing on record	not filed	-
30-06-2022	31-01-2023	nothing on record	not filed	-
30-06-2021	31-01-2022	nothing on record	not filed	-
30-06-2020	31-01-2021	nothing on record	not filed	-
30-06-2019	31-01-2020	30-03-2020	59 d late	2020-08000177
30-06-2018	31-01-2019	04-01-2019	27 d early	2019-00500388
30-06-2017	31-01-2018	25-01-2018	6 d early	2018-02500186
30-06-2016	31-01-2017	10-01-2017	21 d early	2017-00800325
30-06-2015	31-01-2016	14-01-2016	17 d early	2016-01700510
30-06-2014	31-01-2015	23-10-2014	100 d early	2014-65600408

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Long-established

Founded in 2006, 20 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-risk legal form −Annual accounts: weaker financial profile +Lower-failure-rate sector −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€49k

Working capital€127k

CSV export

Annual accounts & ratios

Source: NBB · 2019

Annual accounts filed on 30-03-2020 with the NBB · fiscal year 2019 · micro

Highlight YoY changes (±10%)

Fiscal year	2019
Deposit	micro
Revenue	-
EBITDA	€76k
Net profit	€49k
Cash flow	€56k
Staff costs	-
Income taxes	€20k
Dividends	-
Total assets	€208k
Equity	€163k
Debt	€44k
of which ≤ 1y	€44k
of which > 1y	-
Working capital	€127k
Employees (FTE)	-

Ratios (computed)

	2019
Current ratio	3.86
Quick ratio	3.86
Working capital ratio	61.1%
Solvency	78.6%
Debt / equity	-
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	23.5%
ROE	29.9%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2019

Assets

Fixed assets €36k · 17.5% Current assets €171k · 82.5%

Equity & liabilities

Equity €163k · 78.6% Debt €44k · 21.4%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2019
Balance sheet, Assets
TOTAL ASSETS	20/58	€208k
Fixed assets	21/28	€36k
Tangible fixed assets	22/27	€36k
Current assets	29/58	€171k
Amounts receivable within one year	40/41	€42k
Cash & bank	54/58	€130k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€208k
Equity	10/15	€163k
Contributions / capital	10/11	€7k
Reserves	13	€156k
Amounts payable	17/49	€44k
Amounts payable within one year	42/48	€44k
Trade debts payable within one year	44	€13k
Income statement
Gross operating margin	9900	€77k
Operating result	9901	€69k
Financial income	75	€21
Financial charges	65	€403
Result before taxes	9903	€69k
Income taxes	67/77	€20k
Net result for the period	9904	€49k
Result to be appropriated	9905	€49k

Ratios computed by Checked.

Health barometer

FY 2019 · computed

75 / 100 Excellent

050100

Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2019. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Sint-Marcellusstraat(Voo) 49400 Ninove

Establishment units

1 location

SavepoinT

Sint-Marcellusstraat(Voo) 4, 9400 NinoveDatabanken

since 20062.155.220.630

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1,214 m²

Buildings1

Building footprint247 m²

Volume (LiDAR)1,064 m³

Tallest building7.0 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
41073B0315/00T000	Flanders	1,214 m²	1 · 247 m²	7.0 m · 1 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.