Equity
€82,382 ▲ 17.7%
SME has made a profit in every financial year since 2020.
SME
Lifetime
6 annual accounts with figures on one time axispeak €67,243 (2020)
€18,126▲ 1.8%
peak €35,377 (2021)
€12,401▲ 2.1%
peak €101,277 (2022)
€82,382▲ 17.7%
€8,825▼ 55.9%
Board3 names since 2019
3 directorsSneyders Peter and 2 others
Documentsfilings and deeds
20-07-202611 days before the deadline
2025micro format
Equity from €69,981 to €82,382Debts from €20,006 to €8,825Cash from €14,482 to €23,420
Key points
from the 2025 annual accountsTurnover
≈ €83,000 estimated
The micro format states no turnover.
Liquidity
9.90 was 4.29 in 2024
Short-term debts fell from €20,006 to €8,825.
Filings
6 annual accounts since 2020
The last five annual accounts were filed 11 to 29 days before the end of the period.
Starting capital
€3,000
Position in the sector
90.3%
Higher solvency than 89% of companies in head offices and management consultancy. Sector median 55.5% · 39,364 companies.
Checked score
96
Excellent
Financially stronger than 70% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
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: 0.2%▲ +0.1 percentage points vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025highest value
08-2025: 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: < 0.1%▼ -0.1 percentage points vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 9.90, cash €23,420
Equity €82,382 (90.3% of total assets)
Figures for financial year 2025 (filed on 20-07-2026)
Calculation
The band follows from the bankruptcy probability. 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 (NACE 70, micro). It does better than 86% of them on solvency, 74% on liquidity, 54% on profitability and 65% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as SME has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SME itself is lower: < 0.1% within 12 months. It rests on far more data about SME than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for SME. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €7,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 9.9 (4.29 in 2024), above the usual 1.5. Short-term debt is 9.7% and cash 25.7% of total assets. 9.7% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-07-2026, 11 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
11 days early
2024
29 days early
2023
15 days early
2022
26 days early
2021
20 days early
2020
26 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 21 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 11 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0735767665
Appointments: Sneyders Peter (director) and Van Erwegen Kristin (director)
Gazette deed
Incorporation
Founding capital of €3,000 · Founder: Sneyders, Peter Alfons Louisa · Appointment: Sneyders, Peter Alfons Louisa (director) · published on 09-10-2019 · Gazette deed
First establishment
Prinsenlaan 20, Beerse
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SME Beerse | €91,207 | €18,126 | 90.3% | - |
| YOVI Malle | €80,694 | €19,789 | 71.3% | - |
| Noah Ba Management Antwerp | €123,723 | €17,932 | 9.7% | - |
| A FEW MORE FRAMES Boutersem | €82,724 | €20,597 | 4.0% | - |
| SiTi36 Lier | €86,295 | €22,656 | 79.5% | - |
| Overdaad Re(d)use Concepts Grobbendonk | €112,486 | €22,304 | 14.8% | - |
| Accent Aigu Antwerp | €83,155 | €23,942 | 2.4% | - |
These companies have the same main activity as SME: activities of head offices (NACE 70100). They are comparable in size and age: total assets between €80,700 and €124,000, founded between 2019 and 2021.
Official details
Source: KBO- Status
- Active since 07-10-2019Normal situation
- Activity
- Activities of head officesNACE 70100and 2 others
- Establishment unit
- 2.294.907.0632340 Beerse, since 07-10-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 10-01-2025
Annual accounts 2025
- €91,207▲ 1.4%
- Filing
- Filed on 20-07-2026, 11 days before the end of the filing period
Insights on SME
SME files the micro format. That format states no turnover. The gross margin fell from €67,243 in 2020 to €18,126 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SME
- What is the company number of SME?
- The company number of SME is 0735.767.665. The VAT number is the same number with BE in front: BE 0735.767.665.
- Where is SME based?
- The registered office is at Prinsenlaan 20, 2340 Beerse.Company details
- What does SME do?
- According to the KBO register, the main activity is activities of head offices (NACE 70100).
- What is the legal form of SME?
- SME is a private limited company (BV).
- When was SME founded?
- SME was founded on 07-10-2019.
- Is SME still active?
- Yes, SME is an active enterprise in the KBO register.
- What is the turnover of SME?
- The turnover in financial year 2025 is ≈ €83,000. This figure is estimated from the gross margin of €18,126 and 211 comparable companies (NACE 70). It probably lies between €42,000 and €170,000. It is a rough estimate.Financials
- Is SME profitable?
- In financial year 2025, SME made a profit of €12,401.
- Where can I find the annual accounts of SME?
- SME filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SME due?
- SME must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.