SAVO

Active

Public limited companyfounded 1979active for 46 yearsRue Albert 1er 72, 4610 Beyne-Heusay, BelgiumKBO/BCE: BE 0419.955.560

From the official registers: KBO 42 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

SAVO has been active since 1979 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €478,774 and a net result of €1,187. Equity remains stable across the filed financial years (±2.2% per year). Its solvency ranks better than 61% of 2,445 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisFollow Report Compare

SAVOActiveChecked score 84/100

Risk analysis Report Compare

Official details

KBO

Status: Active since 09-11-1979 Normal situation
Legal form: Public limited company
Registered office: Rue Albert 1er 72, 4610 Beyne-Heusay
Activity: Plastering work NACE 43310and 4 others
Establishment unit: 2.017.043.932 4610 Beyne-Heusay, since 01-01-1980
Financial year end: 31 December
Peppol: Reachable since 14-10-2026

Company details

Who decides

Board

NOHAMManaging director · permanent representative Nicolas BRIAMONT

Shareholders

NOHAM100%annual accounts 2025

Board & ownership

How it is doing

84 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.4%

Annual accounts 2025

Gross margin: €828,502; ▲ 15.8%
Turnover: ≈ €2.4m; estimated
Profit: €1,187; ▼ 93.3%
Equity: €478,774; ▲ 7.0%
Total assets: €942,852; ▲ 4.6%
Staff: 16.7 FTE; ▲ 4.4%

2025 accounts 50 days early

Filed on 11-06-2026PDF

Financials

Why 84raises riskSize: 16.7 FTE, total assets €942,852Sector: Specialised construction activities (NACE 43)lowers riskFounded in 1979Equity €478,774 (50.8% of total assets)Show the evidence

Checked score

Score 2025

84 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 48% of its sector peers (NACE 43, small)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Average

Solvency 76+1

equity 50.8% of total assets

Liquidity 45+7

short-term debt 33.7% · cash 7.6%

Profitability 49-22

return on assets 0.1%

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (2,649 companies, NACE 43, small)

Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025lowest value 07-2025: 0.2%● unchanged vs 06-2025 08-2025: 0.4%▲ +0.2 percentage points vs 07-2025 09-2025: 0.4%● unchanged vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.3%▼ -0.1 percentage points vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.4%▲ +0.1 percentage points vs 06-2026highest value 08-2026: 0.4%● unchanged vs 07-2026highest value 09-2026: 0.4%● unchanged vs 08-2026highest value 10-2026: 0.4%● unchanged vs 09-2026highest value

Credit of up to €40,000 on 30-day terms is acceptable

Liquidity ample (current ratio 1.54, compared with 1.45 in 2024, above the usual 1.5; short-term debt: 33.7% and cash: 7.6% of total assets), and 49.2% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, small): better than 68% on solvency, 49% on liquidity, 22% on profitability and 54% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises riskneutral

Size: 16.7 FTE, total assets €942,852

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Founded in 1979

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Sector: Specialised construction activities (NACE 43)

KBO

Equity €478,774 (50.8% of total assets)

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-06-2026, 50 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

50 days early

2024

28 days late

2023

29 days early

2022

9 days late

2021

59 days early

2020

53 days early

2019

on the day

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 22 days before the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 3 July (4 of the last 5 filed years within 37 days of that day).

Companies Code · seven months

Where today falls in the filing period

01-11-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

Key points

Positive: Oldest company in Beyne-Heusay, Construction sectorin the Checked rankings No. 1 View
Positive: 8 profitable years in a rowprofit 2025: €1,187 8 years View

Documents

Key facts about SAVO

What is the company number of SAVO?: 0419.955.560. In Belgium the VAT number is the company number with BE in front: BE 0419.955.560.
Where is SAVO based?: The registered office is at Rue Albert 1er 72, 4610 Beyne-Heusay.Company details
What does SAVO do?: According to the KBO register, the main activity is plastering work (NACE 43310).
What is the legal form of SAVO?: Public limited company (NV).
When was SAVO founded?: On 09-11-1979.
Is SAVO still active?: Yes, SAVO is an active enterprise in the KBO register.
How many employees does SAVO have?: On average 16.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of SAVO?: ≈ €2.4m in financial year 2025. Estimated from the gross margin of €828,502: probably between €1.8m and €3.0m, based on 40 comparable companies, NACE 433. In financial year 2023 turnover was €1.8m.
Is SAVO profitable?: In financial year 2025, SAVO made a profit of €1,187.
Where can I find the annual accounts of SAVO?: SAVO filed 42 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts 2025 (PDF)
When are the next annual accounts of SAVO due?: By 31-07-2027, for financial year 2026.Timeline