SV DISTRIBUTION
ActiveThe computed 12-month bankruptcy probability of SV DISTRIBUTION is 3.5% (moderate). The 2024 annual accounts show equity of €63k and a net result of €18k. Equity is growing by ~34.7% per year across the filed fiscal years. Its solvency ranks better than 44% of 26048 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability78▲+5
Solvency50▼-3
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.29 against 1.42 in 2023; short-term debt: 74.6% and cash: 0% of total assets), and 74.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
25.4%
Return on assets
7.4%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-12-2025, 143 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
143 d late
2023
212 d late
2022
105 d late
2021
240 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€63k▲ 40.9%
2023 · €45k
2021: €20k
2022: €32k
2023: €45k
2021 → 2024
Total assets
€247k▲ 52.7%
2023 · €162k
2021: €150k
2022: €141k
2023: €162k
2021 → 2024
Net result
€18k▲ 47.4%
2023 · €12k
2021: €15k
2022: €12k
2023: €12k
2021 → 2024
Working capital
€53k▲ 18.0%
2023 · €45k
2021: €-14k
2022: €2k
2023: €45k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€20k-€32k▲ 61.8%€45k▲ 38.4%€63k▲ 40.9%
Operating result€20k-€18k▼ 7.6%€22k▲ 19.4%€24k▲ 11.7%
Net result€15k-€12k▼ 17.5%€12k▲ 0.5%€18k▲ 47.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 12% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €247k
Fixed assets
€10k▼ 5.1%
Current assets
€237k▲ 56.7%
Equity and liabilities €247k
Equity
€63k▲ 40.9%
Debt
€185k▲ 57.1%
The debt ratio rises from 72.5% to 74.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€25k▲
2023 · €22k
Cash flow
€19k▲
2023 · €13k
Solvency
25.4%▼
2023 · 27.5%
Current ratio
1.29▼
2023 · 1.42
Quick ratio
1.28▼
2023 · 1.41
Debt / equity
2.94▲
2023 · 2.64
ROE
29.0%▲
2023 · 27.7%
ROA
7.4%▼
2023 · 7.6%
Interest coverage
60.29▲
2023 · 5.35
Debt
€185k▲
2023 · €118k
Debt ≤ 1 year
€185k▲
2023 · €107k
Income taxes
€6k▲
2023 · €5k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€162k€247k▲
Fixed assets21/28€11k€10k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€658€382▼
Other tangible fixed assets26€1k€918▼
Financial fixed assets28€9k€9k=
Current assets29/58€152k€237k▲
Stocks and contracts in progress3€1k€1k=
Stocks30/36€1k€1k=
Amounts receivable within one year40/41€149k€234k▲
Trade receivables40€84k€30k▼
Other amounts receivable41€66k€204k▲
Cash at bank and in hand54/58-€82
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€162k€247k▲
Equity10/15€45k€63k▲
Contributions10/11€5k€5k=
Reserves13€12k€12k=
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€27k€46k▲
Amounts payable17/49€118k€185k▲
Amounts payable after more than one year17€11k-
Financial debts170/4€11k-
Amounts payable within one year42/48€107k€185k▲
Current portion of amounts payable after more than one year42€6k€7k▲
Financial debts43€14k€16k▲
Credit institutions430/8€14k€16k▲
Trade debts44€71k€125k▲
Suppliers440/4€71k€125k▲
Taxes, remuneration and social security45€12k€17k▲
Taxes450/3€12k€17k▲
Other amounts payable47/48€4k€19k▲
Income statement
Code20232024
Non-recurring operating income76A€1k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€392€534▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€300-
Non-recurring operating charges66A€16k-
Gross operating margin9900€38k€25k▼
Operating profit (loss)9901€22k€24k▲
Financial income75/76B€2€42▲
Recurring financial income75€2€42▲
Financial charges65/66B€4k€410▼
Recurring financial charges65€4k€410▼
Profit (loss) for the period before taxes9903€18k€24k▲
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€12k€18k▲
Profit (loss) for the period to be appropriated9905€12k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€46k▲
Profit (loss) brought forward from the previous period14P€15k€27k▲
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
21-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 143 days late
28-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 212 days late
2024
31-12
Financial
Highest result since 2021net €18k ▲47.4%
Operating result €24k, net result €18k, both a record.
2023
13-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 105 days late
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 240 days late
2022
31-12
Financial
Weakest financial yearnet €12k ▼17.5%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
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, Sint-Agatha-Berchem
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.
Groot-Bijgaardenstraat 141082 Sint-Agatha-BerchemGround area
290 m²
Building footprint
293 m²
Volume, LiDAR
2,049 m³
Parcel 21342B0043/00F003, Brussels · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21342B0043/00F003 | Brussels | 290 m² | 1 · 293 m² | 10.6 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.
Similar companies · same sector, comparable size
AUTOMOBILES COLLIN
BE 0440.474.426
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BE 0474.601.402
Bièvre · Eq €63k
AUTOBEDRIJF FBR
BE 0655.724.948
Sint-Niklaas · Eq €63k
BEULER AUTOMOTIVE
BE 1017.365.593
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FLIPS & PARTNERS
BE 0817.546.781
Anderlecht · Eq €63k
Of 10,674 companies in sector 47811 we hold annual accounts for 5,223. 3,438 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-12-2020
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
45204
95315Tyre services
62020IT consultancy
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.