SavoCo is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €123k and a net result of €37k. Equity is growing by ~37.8% per year across the filed fiscal years. Its solvency ranks better than 64% of 8006 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 30-04-2026, 92 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
92 d early
2024
23 d early
2023
22 d early
2022
28 d early
2021
24 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€123k▼ 0.1%
2024 · €123k
2021: €16k
2022: €49k
2023: €89k
2024: €123k
2021 → 2025
Net result
€37k▲ 7.6%
2024 · €34k
2021: €11k
2022: €33k
2023: €40k
2024: €34k
2021 → 2025
Total assets
€180k▲ 18.2%
2024 · €153k
2021: €33k
2022: €84k
2023: €142k
2024: €153k
2021 → 2025
Solvency
68.2%▼ 12.5pp
2024 · 80.6%
2021: 48.1%
2022: 58.5%
2023: 62.6%
2024: 80.6%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€49k▲ 207%€89k▲ 80.1%€123k▲ 38.3%€123k▼ 0.1%
Operating result€16k-€47k▲ 192%€56k▲ 18.4%€47k▼ 16.0%€48k▲ 1.8%
Net result€11k-€33k▲ 200%€40k▲ 18.8%€34k▼ 14.0%€37k▲ 7.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €180k
Fixed assets
€46k▼ 21.1%
Current assets
€134k▲ 42.6%
Equity and liabilities €180k
Equity
€123k▼ 0.1%
Debt
€57k▲ 94.1%
The debt ratio rises from 19.4% to 31.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
68.2%▼
2024 · 80.6%
ROE
29.8%▲
2024 · 27.7%
ROA
20.3%▼
2024 · 22.3%
Debt
€57k▲
2024 · €30k
Debt ≤ 1 year
€57k▲
2024 · €30k
Income taxes
€11k▼
2024 · €14k
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€153k€180k▲
Fixed assets21/28€59k€46k▼
Tangible fixed assets22/27€59k€46k▼
Furniture and vehicles24€59k€46k▼
Current assets29/58€94k€134k▲
Amounts receivable within one year40/41-€2k
Other amounts receivable41-€2k
Current investments50/53-€40k
Cash at bank and in hand54/58€94k€92k▼
Equity and liabilities
Total equity and liabilities10/49€153k€180k▲
Equity10/15€123k€123k▼
Contributions10/11€5k€5k=
Reserves13€118k€118k=
Distributable reserves133€118k€118k=
Profit (loss) carried forward14€101-
Amounts payable17/49€30k€57k▲
Amounts payable within one year42/48€30k€57k▲
Taxes, remuneration and social security45€22k€18k▼
Taxes450/3€22k€18k▼
Other amounts payable47/48€8k€39k▲
Accrued charges and deferred income492/3-€400
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€12k▲
Other operating charges640/8€387€400▲
Gross operating margin9900€50k€61k▲
Operating profit (loss)9901€47k€48k▲
Financial income75/76B€2k-
Recurring financial income75€2k-
Financial charges65/66B€851€618▼
Recurring financial charges65€851€618▼
Profit (loss) for the period before taxes9903€48k€47k▼
Income taxes67/77€14k€11k▼
Profit (loss) for the period9904€34k€37k▲
Profit (loss) for the period to be appropriated9905€34k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€37k▲
Profit (loss) brought forward from the previous period14P€101€101=
Transfer to equity691/2€34k-
To other reserves6921€34k-
Profit to be distributed694/7-€37k
Return on contributions (dividend)694-€37k
The notes to these accounts (4 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €123k ▲38.3%
4 profitable years in a row build equity to €123k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €40k ▲18.8%
Operating result €56k, net result €40k, both a record.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Tienen · 1 establishment unit since 2021
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.
Bronstraat 173300 TienenGround area
833 m²
Building footprint
140 m²
Volume, LiDAR
824 m³
Parcel 24594B0294/00X000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SavoCo
since 20212.313.785.639
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24594B0294/00X000 | Flanders | 833 m² | 1 · 140 m² | 8.9 m · 2 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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 12,832 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-02-2021
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70220Business consulting
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.