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S.N.C.

Active
Private limited companyfounded 2005active for 21 yearsZonnelaan 57, 8430 Middelkerke, BelgiumKBO/BCE: BE 0871.431.568
Summary

The computed 12-month bankruptcy probability of S.N.C. is 2.5% (moderate). The 2024 annual accounts show equity of €281,013 and a net result of €26,385. Equity is growing by about 7.5% per year across the filed financial years. The company has been active since 2005 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Activity not known1 site
Size
€665,227total assets 2024
Equity
€281,013
Profit
€26,385
Turnover not published (micro format)
Financial health
52 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
2.5%
Structure
Accounts 73 days overdue0 of 3 deeds read
Why 52raises riskFigures for financial year 2024 (filed 04-08-2025)Liquidity: current ratio 0.06, cash €26, halvedFounded in 2005lowers riskSize: total assets €665,227Show the evidence

Checked score

Score 2024
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 39% of its sector peers (no NACE code, micro)
Financial strength · tick = 2023
Average
Solvency 67+5
equity 42.2% of total assets
Liquidity 33=
short-term debt 37.2% · cash 0.0%
Profitability 40+2
return on assets 4.0%
Bankruptcy probability, 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 0.1%lowest value 12-2024: 0.1%● unchanged vs 11-2024lowest value 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.2%▲ +0.1 percentage points vs 06-2025 08-2025: 0.4%▲ +0.2 percentage points vs 07-2025 09-2025: 0.5%▲ +0.1 percentage points vs 08-2025 10-2025: 0.5%● unchanged vs 09-2025 11-2025: 0.5%● unchanged vs 10-2025 12-2025: 0.5%● unchanged vs 11-2025 01-2026: 0.5%● unchanged vs 12-2025 02-2026: 0.5%● unchanged vs 01-2026 03-2026: 0.5%● unchanged vs 02-2026 04-2026: 0.5%● unchanged vs 03-2026 05-2026: 0.5%● unchanged vs 04-2026 06-2026: 0.5%● unchanged vs 05-2026 07-2026: 0.5%● unchanged vs 06-2026 08-2026: 1.2%▲ +0.7 percentage points vs 07-2026 09-2026: 1.5%▲ +0.3 percentage points vs 08-2026 10-2026: 2.5%▲ +1.0 percentage point vs 09-2026highest value
Credit of up to €14,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity insufficient (current ratio 0.06, compared with 0.1 in 2023, below 1; short-term debt: 37.2% and cash: 0% of total assets), and 57.8% 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 (no NACE code, micro): better than 40% on solvency, 18% on liquidity, 31% on profitability and 67% on growth.

The bankruptcy probability was computed on 12-10-2026 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

Six signals.
lowers riskraises riskneutral
raises risk · Figures for financial year 2024 (filed 04-08-2025)
NBB · annual accounts
raises risk · Liquidity: current ratio 0.06, cash €26, halved
NBB · annual accounts
lowers risk · Size: total assets €665,227
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Founded in 2005
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 73 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline12-10-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 day ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
1 day early
2023
29 days late
2022
30 days late
2021
2 days early
2020
31 days late
2019
on the day
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 6 accounts on average 15 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2024 · micro…
  2. Annual accounts filedfinancial year 2023 · micro…
  3. Annual accounts filedfinancial year 2022 · micro…

Key points

  • Caution: Accounts not fileddeadline was 31-07-2026 73 days late View
  • Positive: 7 profitable years in a rowprofit 2024: €26,385 7 years View
  • Total assets 20246 financial years filed €665,227 View

By topic

Financials

Financial year
2024
Total assets
€665,227
Profit
€26,385
Solvency
42.2%
Total assets▼ 2.8%
Net result
20182024
Go to Financials

Timeline

Events
23
Since
2006
  1. 31-12-2022Highest result from 2018 to 2024
  2. 29-07-2022Annual accounts filed
  3. 31-12-2021Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Founded
14-01-2005
Year ends
31-12
Peppol
Not found in the Peppol directory
Go to Company details

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