S&N CLEANING FOOD
ActiveThe computed 12-month bankruptcy probability of S&N CLEANING FOOD is 2.1% (moderate). The 2025 annual accounts show equity of €21k and a net result of €48k. Equity is growing by ~32.1% per year across the filed fiscal years. Its solvency ranks better than 26% of 4477 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency43▼-46
Growth78=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.21 against 2.81 in 2024; short-term debt: 82.5% and cash: 65.4% of total assets), and 82.5% 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.
−lowers risk+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 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
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
17.5%
Return on assets
39.8%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
31 d late
2024
29 d early
2023
30 d early
2022
17 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▼ 53.9%
2024 · €46k
2022: €8k
2023: €16k
2024: €46k
2022 → 2025
Total assets
€121k▲ 69.3%
2024 · €72k
2022: €21k
2023: €53k
2024: €72k
2022 → 2025
Net result
€48k▲ 57.6%
2024 · €31k
2022: €6k
2023: €7k
2024: €31k
2022 → 2025
Working capital
€21k▼ 53.9%
2024 · €46k
2022: €8k
2023: €16k
2024: €46k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€8k-€16k▲ 91.3%€46k▲ 198%€21k▼ 53.9%
Operating result€8k-€11k▲ 37.0%€42k▲ 291%€66k▲ 57.3%
Net result€6k-€7k▲ 21.2%€31k▲ 314%€48k▲ 57.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 57% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €121k
Equity
€21k▼ 53.9%
Debt
€100k▲ 292%
The debt ratio rises from 35.6% to 82.5%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
17.5%▼
2024 · 64.4%
Current ratio
1.21▼
2024 · 2.81
Quick ratio
1.21▼
2024 · 2.81
Debt / equity
4.71▲
2024 · 0.55
ROE
227.0%▲
2024 · 66.4%
ROA
39.8%▼
2024 · 42.7%
Debt
€100k▲
2024 · €26k
Debt ≤ 1 year
€100k▲
2024 · €26k
Income taxes
€17k▲
2024 · €11k
Staff costs
€73k▲
2024 · €68k
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€72k€121k▲
Current assets29/58€72k€121k▲
Amounts receivable within one year40/41€46k€42k▼
Trade receivables40€39k€41k▲
Other amounts receivable41€6k€1k▼
Cash at bank and in hand54/58€26k€79k▲
Equity and liabilities
Total equity and liabilities10/49€72k€121k▲
Equity10/15€46k€21k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€44k€19k▼
Amounts payable17/49€26k€100k▲
Amounts payable within one year42/48€26k€100k▲
Trade debts44€10k€5k▼
Suppliers440/4€10k€5k▼
Taxes, remuneration and social security45€16k€36k▲
Taxes450/3€12k€32k▲
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€160€60k▲
Income statement
Code20242025
Remuneration, social security and pensions62€68k€73k▲
Other operating charges640/8€564€507▼
Gross operating margin9900€111k€139k▲
Operating profit (loss)9901€42k€66k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€292€56▼
Recurring financial charges65€292€56▼
Profit (loss) for the period before taxes9903€41k€66k▲
Income taxes67/77€11k€17k▲
Profit (loss) for the period9904€31k€48k▲
Profit (loss) for the period to be appropriated9905€31k€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€44k€92k▲
Profit (loss) brought forward from the previous period14P€14k€44k▲
Profit to be distributed694/7-€73k
Return on contributions (dividend)694-€73k
The notes to these accounts (1 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2022net €48k ▲57.6%
Operating result €66k, net result €48k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Menen · 1 establishment unit since 2022
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.
Koningstraat 998930 MenenGround area
162 m²
Building footprint
167 m²
Volume, LiDAR
816 m³
Parcel 34027E0240/00C000, Flanders · tallest building 10.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
S&N CLEANING FOOD
since 20222.326.522.333
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34027E0240/00C000 | Flanders | 162 m² | 1 · 167 m² | 10.3 m · 1 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
EDN Group
BE 0727.448.530
Jodoigne · Eq €21k
TODICA
BE 0501.626.689
Anderlecht · Eq €21k
NETO CLEAN
BE 0789.720.946
Anderlecht · Eq €21k
SOFIA EVENT'S
BE 0798.490.637
Ternat · Eq €21k
B&V PROJECTS
BE 0747.787.549
Sint-Truiden · Eq €21k
Of 1,705 companies in sector 81230 we hold annual accounts for 473. 311 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2022
Fiscal year end31-12
Activities, NACEBEL
81220Other building cleaning and industrial cleaning
81230Other cleaning activities
81210General cleaning of buildings
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.