S.N.W.E. Management
ActiveS.N.W.E. Management has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €-4k. Its solvency ranks better than 42% of 1898 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▼-88
Solvency71▲+9
Growth32
Track record94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.84 against 1.58 in 2024; short-term debt: 54.1% and cash: 0.1% of total assets), but 54.1% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
45.9%
Return on assets
-5.2%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▼ 10.2%
2024 · €37k
2024: €37k
2024 → 2025
Total assets
€72k▼ 27.5%
2024 · €100k
2024: €100k
2024 → 2025
Net result
€-4k
2024 · €36k
2024: €36k
2024 → 2025
Working capital
€33k▼ 9.9%
2024 · €37k
2024: €37k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€37k-€33k▼ 10.2%
Operating result€47k-€-4k
Net result€36k-€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €47k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €72k
Fixed assets
€207▼ 40.9%
Current assets
€72k▼ 27.5%
Equity and liabilities €72k
Equity
€33k▼ 10.2%
Debt
€39k▼ 37.7%
The debt ratio falls from 63.0% to 54.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-4k▼
2024 · €47k
Cash flow
€-4k▼
2024 · €36k
Solvency
45.9%▲
2024 · 37.0%
Current ratio
1.84▲
2024 · 1.58
Quick ratio
1.84▲
2024 · 1.58
Debt / equity
1.18▼
2024 · 1.70
ROE
-11.4%▼
2024 · 97.3%
ROA
-5.2%▼
2024 · 36.0%
Interest coverage
-5.05▼
2024 · 61.09
Debt
€39k▼
2024 · €63k
Debt ≤ 1 year
€39k▼
2024 · €63k
Income taxes
€1k▼
2024 · €11k
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€100k€72k▼
Fixed assets21/28€350€207▼
Tangible fixed assets22/27€350€207▼
Furniture and vehicles24€350€207▼
Current assets29/58€99k€72k▼
Amounts receivable after more than one year29€25k€25k=
Other amounts receivable291€25k€25k=
Amounts receivable within one year40/41€71k€45k▼
Trade receivables40€47k€24k▼
Other amounts receivable41€23k€21k▼
Cash at bank and in hand54/58€2k€40▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€100k€72k▼
Equity10/15€37k€33k▼
Contributions10/11€1k€1k=
Profit (loss) carried forward14€36k€32k▼
Amounts payable17/49€63k€39k▼
Amounts payable within one year42/48€63k€39k▼
Financial debts43€2k€2k▲
Credit institutions430/8€2k€2k▲
Trade debts44€44k€6k▼
Suppliers440/4€44k€6k▼
Advances received on contracts in progress46€270€11k▲
Taxes, remuneration and social security45€16k€20k▲
Taxes450/3€16k€20k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€80€143▲
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A€505€0▼
Gross operating margin9900€49k€-880▼
Operating profit (loss)9901€47k€-4k▼
Financial income75/76B€594€2k▲
Recurring financial income75€594€2k▲
Financial charges65/66B€766€743▼
Recurring financial charges65€766€743▼
Profit (loss) for the period before taxes9903€47k€-3k▼
Income taxes67/77€11k€1k▼
Profit (loss) for the period9904€36k€-4k▼
Profit (loss) for the period to be appropriated9905€36k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€32k▼
Profit (loss) brought forward from the previous period14P-€36k
The notes to these accounts (5 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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Westerlo · 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.
Olenseweg 3752260 WesterloGround area
1,520 m²
Building footprint
392 m²
Volume, LiDAR
941 m³
Parcel 13039B0040/00P002, Flanders · tallest building 6.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
S.N.W.E. Management
since 20222.331.279.687
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13039B0040/00P002 | Flanders | 1,520 m² | 1 · 392 m² | 6.7 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.
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Of 3,153 companies in sector 63920 we hold annual accounts for 1,522. 1,180 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-2022
Fiscal year end31-03
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
82300Organisation of conventions and trade shows
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.