S.N.S.
ActiveSummary
S.N.S. has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €133k and a net result of €46k. Equity is growing by ~41.5% per year across the filed fiscal years. Its solvency ranks better than 92% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
89
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 7.25 against 5.64 in 2023; short-term debt: 11.5% and cash: 60.5% of total assets), and 12.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 25-07-2025, 6 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
6 d early
2023
30 d early
2022
28 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€133k▲ 52.4%
2023 · €87k
2022: €60k
2023: €87k
2022 → 2024
Total assets
€151k▲ 42.3%
2023 · €106k
2022: €93k
2023: €106k
2022 → 2024
Net result
€46k▲ 71.0%
2023 · €27k
2022: €8k
2023: €27k
2022 → 2024
Working capital
€109k▲ 59.5%
2023 · €68k
2022: €49k
2023: €68k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€60k-€87k▲ 44.2%€133k▲ 52.4%
Operating result€14k-€38k▲ 178%€68k▲ 77.8%
Net result€8k-€27k▲ 239%€46k▲ 71.0%
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 two years in a row; 2024 is 78% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €151k
Fixed assets
€25k ▲ 7.4%
Current assets
€126k ▲ 52.2%
Equity and liabilities €151k
Equity
€133k ▲ 52.4%
Debt
€19k ▼ 3.3%
Debt's share of the balance-sheet total falls from 18.2% to 12.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€78k▲
2023 · €46k
Cash flow
€55k▲
2023 · €34k
Current ratio
7.25▲
2023 · 5.64
Debt to equity
0.14▼
2023 · 0.22
ROE
34.4%▲
2023 · 30.7%
ROA
30.1%▲
2023 · 25.1%
Interest coverage
27.81▼
2023 · 51.12
Debt ≤ 1 year
€17k▲
2023 · €15k
Income taxes
€20k▲
2023 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 45 lines
Balance sheet
Code20232024
Assets
Total assets20/58€106k€151k▲
Fixed assets21/28€24k€25k▲
Tangible fixed assets22/27€24k€25k▲
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€13k€19k▲
Leasing and similar rights25€9k€4k▼
Current assets29/58€83k€126k▲
Amounts receivable after more than one year29€30k€30k=
Other amounts receivable291€30k€30k=
Amounts receivable within one year40/41€3k€4k▲
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€49k€92k▲
Deferred charges and accrued income490/1€540€587▲
Equity and liabilities
Total equity and liabilities10/49€106k€151k▲
Equity10/15€87k€133k▲
Contributions10/11€100€100=
Reserves13€87k€132k▲
Distributable reserves133€87k€132k▲
Amounts payable17/49€19k€19k▼
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€15k€17k▲
Current portion of amounts payable after more than one year42€7k€6k▼
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Advances received on contracts in progress46-€800
Taxes, remuneration and social security45€786€5k▲
Taxes450/3€786€5k▲
Other amounts payable47/48€3k€3k▼
Accrued charges and deferred income492/3€926€1k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€10k▲
Other operating charges640/8€711€1k▲
Gross operating margin9900€47k€79k▲
Operating profit (loss)9901€38k€68k▲
Financial income75/76B€512€522▲
Recurring financial income75€512€522▲
Financial charges65/66B€902€3k▲
Recurring financial charges65€902€3k▲
Profit (loss) for the period before taxes9903€38k€66k▲
Income taxes67/77€11k€20k▲
Profit (loss) for the period9904€27k€46k▲
Profit (loss) for the period to be appropriated9905€27k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€46k▲
Transfer to equity691/2€27k€46k▲
To other reserves6921€27k€46k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €46k ▲71%
Operating result €68k, net result €46k, both a record.
31-12
Financial
Equity above €100kEq €133k ▲52.4%
3 profitable years in a row build equity to €133k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
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
2 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, Hasselt · 1 establishment unit since 2018
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.
Dorpsstraat 11A3720 HasseltGround area
867 m²
Building footprint
194 m²
Parcel 73040C0894/00H000, Flanders. Linked by address, not a title deed.
1 establishment unit
S.N.S.
since 20182.273.035.939
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73040C0894/00H000 | Flanders | 867 m² | 1 · 194 m² | - |
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
DRYMUR
BE 0727.990.443
Kinrooi · Eq €132,045
ON CONSTRUCT
BE 0666.788.094
Schaarbeek · Eq €136,886
SMOKE MONKEY
BE 0764.482.635
Maasmechelen · Eq €137,038
HUMICONCEPT
BE 0722.703.250
Froidchapelle · Eq €127,907
HOUSEC
BE 0775.891.617
Braine-le-Comte · Eq €127,541
Of 366 companies in sector 43421 we hold annual accounts for 203. 167 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-12-2017
Fiscal year end31-12
Activities, NACEBEL 2025
43421Specialised construction activities
43310Plastering work
43331Floor and wall tiling
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.