SVPTE
ActiveSVPTE has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €532k and a net result of €184k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 32% of 4827 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
85
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▲+3
Solvency51▲+6
Growth59▲+18
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 1.12 in 2024), and 70.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
29.5%
Return on assets
10.2%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
28 d late
2023
83 d late
2022
60 d late
2021
29 d late
2020
83 d late
2019
67 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€4.77M▲ 16.7%
2024 · €4.08M
2018: €2.62M
2019: €2.82M
2020: €2.40M
2021: €2.96M
2022: €3.41M
2023: €3.63M
2024: €4.08M
2018 → 2025
EBIT margin
5.3%▲ 1.8pp
2024 · 3.5%
2018: 9.2%
2019: 4.7%
2020: 0.7%
2021: 1.3%
2022: 0.4%
2023: 0.9%
2024: 3.5%
2018 → 2025
Net result
€184k▲ 69.7%
2024 · €109k
2018: €156k
2019: €85k
2020: €11k
2021: €28k
2022: €11k
2023: €32k
2024: €109k
2018 → 2025
Working capital
€291k▲ 66.2%
2024 · €175k
2018: €741k
2019: €824k
2020: €845k
2021: €909k
2022: €767k
2023: €584k
2024: €175k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2.96M-€3.41M▲ 14.9%€3.63M▲ 6.6%€4.08M▲ 12.5%€4.77M▲ 16.7%
Equity€1.10M-€1.11M▲ 1.0%€1.14M▲ 2.9%€548k▼ 51.9%€532k▼ 2.9%
Operating result€37k-€13k▼ 64.1%€33k▲ 143%€143k▲ 339%€252k▲ 75.9%
Net result€28k-€11k▼ 61.3%€32k▲ 198%€109k▲ 236%€184k▲ 69.7%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 76% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.80M
Fixed assets
€241k▼ 35.3%
Current assets
€1.56M▼ 4.6%
Equity and liabilities €1.80M
Equity
€532k▼ 2.9%
Debt
€1.27M▼ 13.1%
The debt ratio falls from 72.7% to 70.5%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€384k▲
2024 · €292k
Cash flow
€316k▲
2024 · €258k
Solvency
29.5%▲
2024 · 27.3%
Current ratio
1.23▲
2024 · 1.12
Quick ratio
1.23▲
2024 · 1.12
Debt / equity
2.39▼
2024 · 2.67
ROE
34.6%▲
2024 · 19.8%
ROA
10.2%▲
2024 · 5.4%
Interest coverage
182.02▼
2024 · 2210.53
Debt
€1.27M▼
2024 · €1.46M
Debt ≤ 1 year
€1.27M▼
2024 · €1.46M
Income taxes
€70k▲
2024 · €47k
Staff costs
€1.21M▲
2024 · €1.19M
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€2.01M€1.80M▼
Formation expenses20€0€0=
Fixed assets21/28€373k€241k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€373k€241k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€373k€241k▼
Current assets29/58€1.64M€1.56M▼
Amounts receivable within one year40/41€1.58M€1.53M▼
Trade receivables40€768k€1.47M▲
Other amounts receivable41€817k€63k▼
Cash at bank and in hand54/58€50k€21k▼
Deferred charges and accrued income490/1€2k€7k▲
Equity and liabilities
Total equity and liabilities10/49€2.01M€1.80M▼
Equity10/15€548k€532k▼
Contributions10/11€6k€6k=
Reserves13€542k€526k▼
Tax-exempt reserves132€25k€25k=
Distributable reserves133€517k€501k▼
Amounts payable17/49€1.46M€1.27M▼
Amounts payable within one year42/48€1.46M€1.27M▼
Financial debts43-€10k
Credit institutions430/8-€10k
Trade debts44€534k€736k▲
Suppliers440/4€534k€736k▲
Taxes, remuneration and social security45€227k€235k▲
Taxes450/3€66k€68k▲
Remuneration and social security454/9€160k€167k▲
Other amounts payable47/48€701k€289k▼
Income statement
Code20242025
Operating income70/76A€4.12M€4.79M▲
Turnover70€4.08M€4.77M▲
Other operating income74€33k€21k▼
Operating charges60/66A€3.97M€4.53M▲
Goods for resale, raw materials and consumables60€1.99M€2.49M▲
Purchases600/8€1.99M€2.49M▲
Services and other goods61€627k€694k▲
Remuneration, social security and pensions62€1.19M€1.21M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€149k€132k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€195€-979▼
Other operating charges640/8€14k€11k▼
Operating profit (loss)9901€143k€252k▲
Financial income75/76B€13k€7k▼
Recurring financial income75€13k€7k▼
Income from current assets751€12k€7k▼
Other financial income752/9€2k€539▼
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Debt charges650€132€2k▲
Other financial charges652/9€2k€3k▲
Profit (loss) for the period before taxes9903€155k€254k▲
Income taxes67/77€47k€70k▲
Taxes670/3€47k€70k▲
Tax adjustments and reversals of tax provisions77-€321
Profit (loss) for the period9904€109k€184k▲
Profit (loss) for the period to be appropriated9905€109k€184k▲
Appropriation of the result
Profit (loss) to be appropriated9906€109k€184k▲
Transfer from equity791/2€591k€16k▼
From reserves792€591k€16k▼
Profit to be distributed694/7€700k€200k▼
Return on contributions (dividend)694€700k€200k▼
Social balance
Average headcount (FTE)908721.020.5▼
The notes to these accounts (48 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
10-08
State Gazette act
Resignations & appointmentsGeneral meeting · Auditor appointment · Permanent representative3 facts ▸
State Gazette act
Resignations & appointments
General meeting · Auditor appointment · Permanent representative3 facts ▸
- General meeting, 30/06/2026
- Auditor appointment, AVISOR SRL (commissaire)
- Permanent representative, Dorothée HURTEUX
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €184k ▲69.7%
Operating result €252k, net result €184k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema · 28 days late
2024
22-10
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema · 83 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema · 60 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema · 29 days late
2021
22-10
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema · 83 days late
2020
31-12
Financial
Weakest financial yearnet €11k ▼87.4%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 67 days late
2019
31-12
Financial
Equity above €1MEq €1.06M ▲8.7%
2 profitable years in a row build equity to €1.06M.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 61 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 57 days late
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Tournai · 1 establishment unit since 2001
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.
Rue de la Terre à Briques(MAR) 187522 Tournai1 establishment unit
Rue de la Terre à Briques(MAR) 18, 7522 Tournai
since 20012.098.449.696
Statutory auditor
1 auditor| AVISOR SRLCurrent Commissaire · represented by Dorothée HURTEUX | 10-08-2026 → present |
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Of 1,556 companies in sector 46900 we hold annual accounts for 913. 662 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-08-2001
Fiscal year end31-12
Activities, NACEBEL
46900Non-specialised wholesale trade
51900
52210Service activities incidental to land transportation
63210
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filings
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.