Active BE 0882.344.068Limited partnership

SavepoinT

Sint-Marcellusstraat(Voo) 4 ·9400 Ninove, Belgium· 20 yrs active

Sector: Uitgeven van overige software (58290)

Conclusion Checked

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.

Key figures

Equity	€163k
Net result	€49k
Active	20 yrs
Locations	1

Snowflake analysis 4 of 5 axes measured · computed by Checked

90 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 75

Profitability 100

Solvency 100

Growth -

Stability 85

Bankruptcy probability (12 mo) Checked model v1 · free

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?

Risk Assessment rule-based

0 / 100

Low risk

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 Flags0 events

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.

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.

Financial overview10 NBB filings

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.

Legal Structure

NACE primary	Uitgeven van overige software(58290)
Legal form	Limited partnership(612)
Incorporation	06-07-2006
Status	Active
Postal code	9400

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).

Real-estate footprint Source: CBE × cadastre

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.

Updates 10 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2020

30-03-2020