S-NAP
ActiveS-NAP has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €306k and a net result of €67k. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 10.75 against 4.07 in 2024; short-term debt: 3.1% and cash: 10.1% of total assets), and 4.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
95.9%
Return on assets
20.8%
Age of the figures
15 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-02-2026, 26 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 · 10 filingsDeviation from the deadline
2025
26 d late
2024
4 d early
2023
on the day
2022
1 d early
2021
18 d late
2020
1 d late
2019
12 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€306k▲ 3.7%
2024 · €295k
2019: €118k
2020: €145k
2021: €180k
2022: €226k
2023: €259k
2024: €295k
2019 → 2025
Total assets
€319k▼ 0.7%
2024 · €322k
2019: €254k
2020: €241k
2021: €257k
2022: €269k
2023: €287k
2024: €322k
2019 → 2025
Net result
€67k▲ 16.0%
2024 · €57k
2019: €56k
2020: €27k
2021: €35k
2022: €50k
2023: €52k
2024: €57k
2019 → 2025
Working capital
€96k▲ 18.4%
2024 · €81k
2019: €-38k
2020: €-35k
2021: €-27k
2022: €13k
2023: €46k
2024: €81k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€180k-€226k▲ 25.6%€259k▲ 14.7%€295k▲ 14.1%€306k▲ 3.7%
Operating result€50k-€63k▲ 26.4%€3k▼ 95.0%€4k▲ 13.6%€9k▲ 142%
Net result€35k-€50k▲ 42.0%€52k▲ 4.3%€57k▲ 10.3%€67k▲ 16.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 142% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €319k
Fixed assets
€213k▼ 0.3%
Current assets
€106k▼ 1.5%
Equity and liabilities €319k
Equity
€306k▲ 3.7%
Debt
€13k▼ 50.2%
The debt ratio falls from 8.2% to 4.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9k▲
2024 · €4k
Cash flow
€67k▲
2024 · €58k
Solvency
95.9%▲
2024 · 91.8%
Current ratio
10.75▲
2024 · 4.07
Quick ratio
10.75▲
2024 · 4.07
Debt / equity
0.04▼
2024 · 0.09
ROE
21.7%▲
2024 · 19.4%
ROA
20.8%▲
2024 · 17.8%
Interest coverage
160.59▲
2024 · 38.88
Debt
€13k▼
2024 · €27k
Debt ≤ 1 year
€10k▼
2024 · €27k
Income taxes
€9k▲
2024 · €7k
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€322k€319k▼
Fixed assets21/28€214k€213k▼
Intangible fixed assets21€76-
Tangible fixed assets22/27€1k€744▼
Plant, machinery and equipment23€1k€744▼
Financial fixed assets28€213k€213k=
Current assets29/58€108k€106k▼
Amounts receivable within one year40/41€61k€74k▲
Trade receivables40-€5k
Other amounts receivable41€61k€68k▲
Cash at bank and in hand54/58€46k€32k▼
Deferred charges and accrued income490/1€996€282▼
Equity and liabilities
Total equity and liabilities10/49€322k€319k▼
Equity10/15€295k€306k▲
Contributions10/11€19k€19k=
Reserves13€277k€288k▲
Distributable reserves133€277k€288k▲
Amounts payable17/49€27k€13k▼
Amounts payable within one year42/48€27k€10k▼
Trade debts44€49-
Suppliers440/4€49-
Advances received on contracts in progress46€686-
Taxes, remuneration and social security45€5k€9k▲
Taxes450/3€5k€9k▲
Other amounts payable47/48€20k€642▼
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€697€713▲
Other operating charges640/8€434€387▼
Gross operating margin9900€5k€10k▲
Operating profit (loss)9901€4k€9k▲
Financial income75/76B€61k€67k▲
Recurring financial income75€61k€67k▲
Financial charges65/66B€110€59▼
Recurring financial charges65€110€59▼
Profit (loss) for the period before taxes9903€64k€76k▲
Income taxes67/77€7k€9k▲
Profit (loss) for the period9904€57k€67k▲
Profit (loss) for the period to be appropriated9905€57k€67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€57k€67k▲
Transfer from equity791/2€21k€56k▲
Transfer to equity691/2€57k€67k▲
To other reserves6921€57k€67k▲
Profit to be distributed694/7€21k€56k▲
Return on contributions (dividend)694€21k€56k▲
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
Next filing, fiscal year 2026, expected by
2026
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
30-06
Financial
Highest result since 2019net €67k ▲16%
Net result €67k, the highest in the series.
30-06
Financial
Liquidity triplescurrent ratio 10.75
Current ratio from 4.07 to 10.75; short-term debt falls from €27k to €10k.
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity doublescurrent ratio 1.31
Current ratio from 0.62 to 1.31; short-term debt falls from €70k to €43k.
30-06
Financial
Equity above €200kEq €226k ▲25.6%
4 profitable years in a row build equity to €226k.
18-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
30-06
Financial
Equity above €150kEq €180k ▲24.3%
3 profitable years in a row build equity to €180k.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
30-06
Financial
Weakest financial yearnet €27k ▼52%
Net result drops to €27k, the lowest in the series; recovery starts the following year.
12-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
03-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
28-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Keerbergen · 1 establishment unit since 2015
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.
Putsebaan 1893140 KeerbergenGround area
814 m²
Building footprint
106 m²
Parcel 24048C0301/00L000, Flanders. Linked by address, not a title deed.
1 establishment unit
S-NAP
since 20152.243.153.407
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24048C0301/00L000 | Flanders | 813 m² | 1 · 106 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.
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 38,030 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2015
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.