Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 36 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
SAVOY from Elsene, company number BE0439905985, closed financial year 2025 with a result of € 156,674 after tax. For that financial year SAVOY recorded a gross margin of € 1.7 million and equity of € 465,595. Compared with financial year 2024, the result moved from € 192,728 to € 156,674. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 11, 2026.
€ 465,595
▲ 10% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 156,674
▼ 19% vs 2024
Profit after tax over the fiscal year.
€ 253,515
▼ 30% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 87,500 paid out
56 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
22
▲ 0.6 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1.4 million
€ 62,000 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
€ 136,205
▼ 1% vs 2024
€ 60,639 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 213,020
▼ 1% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 316,005
▲ 6% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,714,275 | € 1,601,816 | € 1,744,949 | € 1,710,987 | ▼ 2% |
| Profit after taxes | € 283,772 | € 68,022 | € 192,728 | € 156,674 | ▼ 19% |
| Equity | € 449,534 | € 342,101 | € 421,875 | € 465,595 | ▲ 10% |
| Total debts | € 879,397 | € 1,112,096 | € 805,186 | € 811,516 | ▲ 1% |
| Cash | € 369,814 | € 435,965 | € 360,075 | € 253,515 | ▼ 30% |
| Retained profit | € 291,276 | € 209,298 | € 314,526 | € 383,700 | ▲ 22% |
| Dividend | € 150,000 | € 150,000 | € 87,500 | € 87,500 | |
| Bank debt | € 197,896 | € 168,106 | € 137,794 | € 136,205 | ▼ 1% |
| Balance sheet total | € 1,328,932 | € 1,454,197 | € 1,227,062 | € 1,277,111 | ▲ 4% |
| Employees (FTE) | 19.9 | 20.4 | 21.4 | 22 | ▲ 0.6 |
Key figures of SAVOY, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to SAVOY?
What happened at SAVOY in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 156,674 (▼ 19% vs 2024). Source: NBB ↗
- LUBA Investment SRL became a director. NBB
- New establishment in Elsene. KBO
- Start of the company according to the CBE. KBO
In short
From € 283,772 profit in 2022 to € 156,674 profit in 2025.
Paid € 231,725 in corporate taxes since 2022.
Best year ever: 2022, with € 283,772 profit.
On average € 77,800 of value added per employee in 2025.
A new publication or filing at SAVOY? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind SAVOY is LUBA Investment SRL. LUBA Investment SRL is also behind ALF INVEST, Au Grand Forestier and AU CLARIDGE.
Directors
According to the 2025 annual accounts
since 2023
Establishments
Establishment units
Physical locations of this company
Georges Brugmannplein 34-35
1050 Elsene
Georges Brugmannplein 34
1050 Elsene
Active since 13 March 1990
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0439.905.985
- VAT number
- BE 0439.905.985
- Registered office
- Georges Brugmannplein 34-35, 1050 Elsene
- Names & denominations
- SAVOY
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 January 1990
- Peppol
- Active · Active since 27 Mar 2026
- Activities · NACE
Activiteiten van eetgelegenheden met volledige bediening
Restaurants van het traditionele type
Cafés
Cafés en bars
Eetgelegenheden met volledige bediening
Fastfoodzaken, snackbars, frituren en dergelijke
Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden
Eetgelegenheden met beperkte bediening