SN
ActiveSummary
SN has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€36,270) and a net result of -€10,466. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 5% of 9636 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency0=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.4 against 0.47 in 2023; short-term debt: 235% and cash: 13.9% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2024Solvency, return and age of the figures
Solvency
-135%
Return on assets
-38.9%
Age of the figures
21 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year -€36,270
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-08-2025, 19 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
19 d late
2023
292 d late
2022
129 d late
2021
92 d late
2020
102 d late
2019
27 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 110 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
Turnover
€247,678
EBIT margin
-0.8%
Net result
-€10,466▲ 28.5%
2023 · -€14,639
Working capital
-€38,169▼ 31.8%
2023 · -€28,960
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€247,678
Operating result-€1,953-€18,395▼ 842%€7,658-€14,048-€7,606▲ 45.9%
Net result€10,462within the sector's middle half▲ 180%€5,074below the sector's middle half▼ 51.5%€6,841within the sector's middle half▲ 34.8%-€14,639below the sector's middle half-€10,466below the sector's middle half▲ 28.5%
EBIT margin-0.8%
Equity-€23,080below the sector's middle half▲ 31.2%-€18,006below the sector's middle half▲ 22.0%-€11,165below the sector's middle half▲ 38.0%-€25,804below the sector's middle half▼ 131%-€36,270below the sector's middle half▼ 40.6%
Total assets€35,493below the sector's middle half▲ 21.0%€52,155below the sector's middle half▲ 46.9%€54,168below the sector's middle half▲ 3.9%€28,740below the sector's middle half▼ 46.9%€26,874below the sector's middle half▼ 6.5%
Debt€58,573▼ 6.8%€70,161▲ 19.8%€65,333▼ 6.9%€54,544▼ 16.5%€63,144▲ 15.8%
Working capital-€30,824below the sector's middle half▲ 9.1%-€29,250below the sector's middle half▲ 5.1%-€15,578below the sector's middle half▲ 46.7%-€28,960below the sector's middle half▼ 85.9%-€38,169below the sector's middle half▼ 31.8%
Solvency-65.0%below the sector's middle half▲ 49.3pp-34.5%below the sector's middle half▲ 30.5pp-20.6%below the sector's middle half▲ 13.9pp-89.8%below the sector's middle half▼ 69.2pp-135.0%below the sector's middle half▼ 45.2pp
Current ratio0.47below the sector's middle half▲ 0.020.58below the sector's middle half▲ 0.110.76below the sector's middle half▲ 0.180.47below the sector's middle half▼ 0.290.40below the sector's middle half▼ 0.07
Return on assets (ROA)29.5%above the sector's middle half▲ 16.8pp9.7%within the sector's middle half▼ 19.7pp12.6%above the sector's middle half▲ 2.9pp-50.9%below the sector's middle half▼ 63.6pp-38.9%below the sector's middle half▲ 12.0pp
Staff (FTE)6within the sector's middle half1.1below the sector's middle half▼ 81.7%1.1below the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7,606 in 2024 against €14,048 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €26,874
Fixed assets
€1,899 ▼ 39.8%
Current assets
€24,975 ▼ 2.4%
Key figures and ratios
EBITDA
-€6,349▲
2023 · -€12,791
Cash flow
-€9,209▲
2023 · -€13,382
Quick ratio
0.11▲
2023 · 0.10
Debt to equity
-1.74▲
2023 · -2.11
Interest coverage
-2.22▲
2023 · -18.14
Debt ≤ 1 year
€63,144▲
2023 · €54,544
Staff costs
€6,559▼
2023 · €33,782
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,639 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.1%
went bankrupt
9.8%
stopped otherwise
84%
still going
A further 2.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,639 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €247,678 | - | - | - | - | - |
| Remuneration, social security and pensions62 | - | €8,765 | €13,996 | €33,782 | €6,559 | ▼ 80.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,503 | €6,536 | - | €1,257 | €1,257 | = |
| Other operating charges640/8 | - | €1,855 | €4,133 | €342 | €3,148 | ▲ 820% |
| Gross operating margin9900 | €8,249 | -€1,239 | €25,787 | €21,333 | €3,358 | ▼ 84.3% |
| Operating profit (loss)9901 | -€1,953 | -€18,395 | €7,658 | -€14,048 | -€7,606 | ▲ 45.9% |
| Financial income75/76B | - | €25,474 | €1,197 | €114 | - | - |
| Recurring financial income75 | €13,597 | €25,474 | €1,197 | €114 | - | - |
| Financial charges65/66B | - | €1,903 | €1,883 | €705 | €2,860 | ▲ 306% |
| Recurring financial charges65 | €1,182 | €1,903 | €1,883 | €705 | €2,860 | ▲ 306% |
| Profit (loss) for the period before taxes9903 | €10,462 | €5,176 | €6,972 | -€14,639 | -€10,466 | ▲ 28.5% |
| Income taxes67/77 | - | €102 | €131 | - | - | - |
| Profit (loss) for the period9904 | €10,462 | €5,074 | €6,841 | -€14,639 | -€10,466 | ▲ 28.5% |
| Profit (loss) for the period to be appropriated9905 | €10,462 | €5,074 | €6,841 | -€14,639 | -€10,466 | ▲ 28.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €35,493 | €52,155 | €54,168 | €28,740 | €26,874 | ▼ 6.5% |
| Fixed assets21/28 | €7,744 | €11,244 | €4,413 | €3,156 | €1,899 | ▼ 39.8% |
| Tangible fixed assets22/27 | €7,744 | €11,244 | €4,413 | €3,156 | €1,899 | ▼ 39.8% |
| Plant, machinery and equipment23 | - | €3,977 | €4,413 | €3,156 | €1,899 | ▼ 39.8% |
| Furniture and vehicles24 | - | €7,267 | - | - | - | - |
| Current assets29/58 | €27,749 | €40,911 | €49,755 | €25,584 | €24,975 | ▼ 2.4% |
| Stocks and contracts in progress3 | €26,135 | €37,929 | €44,577 | €19,874 | €18,288 | ▼ 8.0% |
| Stocks30/36 | - | €37,929 | €44,577 | €19,874 | €18,288 | ▼ 8.0% |
| Amounts receivable within one year40/41 | €601 | €596 | €596 | €3,801 | €2,957 | ▼ 22.2% |
| Other amounts receivable41 | - | €596 | €596 | €3,801 | €2,957 | ▼ 22.2% |
| Cash at bank and in hand54/58 | €1,013 | €1,033 | €2,759 | €1,909 | €3,730 | ▲ 95.4% |
| Deferred charges and accrued income490/1 | - | €1,353 | €1,823 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €35,493 | €52,155 | €54,168 | €28,740 | €26,874 | ▼ 6.5% |
| Equity10/15 | -€23,080 | -€18,006 | -€11,165 | -€25,804 | -€36,270 | ▼ 40.6% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Capital10 | - | €18,592 | €18,592 | - | €18,592 | - |
| Issued capital100 | - | €18,592 | €18,592 | - | €18,592 | - |
| Reserves13 | €20,193 | €20,193 | €20,193 | €20,193 | €20,193 | = |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Legal reserve130 | - | €1,859 | €1,859 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,859 | €1,859 | = |
| Distributable reserves133 | - | €18,334 | €18,334 | €18,334 | €18,334 | = |
| Profit (loss) carried forward14 | -€61,865 | -€56,791 | -€49,950 | -€64,589 | -€75,055 | ▼ 16.2% |
| Amounts payable17/49 | €58,573 | €70,161 | €65,333 | €54,544 | €63,144 | ▲ 15.8% |
| Amounts payable within one year42/48 | €58,573 | €70,161 | €65,333 | €54,544 | €63,144 | ▲ 15.8% |
| Financial debts43 | - | - | €1,905 | - | - | - |
| Credit institutions430/8 | - | - | €1,905 | - | - | - |
| Trade debts44 | €32,053 | €4,450 | €6,997 | €15,230 | €10,673 | ▼ 29.9% |
| Suppliers440/4 | - | €4,450 | €6,997 | €15,230 | €10,673 | ▼ 29.9% |
| Taxes, remuneration and social security45 | - | - | - | €7,459 | €5,617 | ▼ 24.7% |
| Remuneration and social security454/9 | - | - | - | €7,459 | €5,617 | ▼ 24.7% |
| Other amounts payable47/48 | - | €65,711 | €56,431 | €31,855 | €46,854 | ▲ 47.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,462 | €5,074 | €6,841 | -€14,639 | -€10,466 | ▲ 28.5% |
| + Depreciation and write-downs630 | €3,503 | €6,536 | - | €1,257 | €1,257 | = |
| Operating cash flow (approximation) | €13,965 | €11,610 | €6,841 | -€13,382 | -€9,209 | ▲ 31.2% |
| Investment in fixed assets (approximation) | - | -€10,036 | €6,831 | €0 | €0 | - |
| Change in cash | - | €20 | €1,726 | -€850 | €1,821 | ▲ 314% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 19 days late
19-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 292 days late
2023
31-12
Financial
Weakest financial yearnet -€14,639
Net result drops to -€14,639, the lowest in the series; recovery starts the following year.
07-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 129 days late
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 92 days late
2021
10-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 102 days late
2020
31-12
Financial
Highest result since 2018net €10,462 ▲180%
Net result €10,462, the highest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
08-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
10 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, Mechelen · 1 establishment unit since 1997
Ground area
244 m²
Building footprint
244 m²
Volume, LiDAR
1,779 m³
Parcel 12403D0321/00R006, Flanders · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SNNACHTUIL
since 19972.084.631.354
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12403D0321/00R006 | Flanders | 244 m² | 1 · 244 m² | 9.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMechelen2.084.631.354
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 10,510 companies in sector 47110 we hold annual accounts for 5,854. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-11-1997
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
E-invoicing
Not found in the Peppol register
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.