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SN VENTURES

Active
Private limited companyfounded 20233 yrs activeRue Jaumain 14, 5330 Assesse, BelgiumKBO/BCE: BE 0803.061.416
Summary

SN VENTURES has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €12,062 and a net result of €606. Its solvency ranks better than 49% of 20786 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability73▼-27
Solvency86▼-14
Growth32
Track record94
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 3.93 against 3.94 in 2023; short-term debt: 23.3% and cash: 89.6% of total assets), and 38.5% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
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 2024
Solvency, return and age of the figures
Solvency
61.5%
Return on assets
3.1%
Age of the figures
21 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 11-06-2025, 50 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
not confirmed
2024
50 d early
2023
47 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 49 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

SN VENTURES was incorporated on 22 June 2023 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, micro schema

Equity
€12,062▼ 1.6%
2023 · €12,256
Total assets
€19,616▲ 21.0%
2023 · €16,207
Net result
€606▼ 94.5%
2023 · €11,056
Working capital
€13,376▲ 15.2%
2023 · €11,608
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, 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
Line20232024
Operating result€13,978-€1,062▼ 92.4%
Net result€11,056within the sector's middle half-€606below the sector's middle half▼ 94.5%
Equity€12,256below the sector's middle half-€12,062below the sector's middle half▼ 1.6%
Total assets€16,207below the sector's middle half-€19,616below the sector's middle half▲ 21.0%
Debt€3,950-€7,553▲ 91.2%
Working capital€11,608within the sector's middle half-€13,376within the sector's middle half▲ 15.2%
Solvency75.6%within the sector's middle half-61.5%within the sector's middle half▼ 14.1pp
Current ratio3.94within the sector's middle half-3.93within the sector's middle half▼ 0.01
Return on assets (ROA)68.2%above the sector's middle half-3.1%below the sector's middle half▼ 65.1pp
above within below the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€5,000€10,000€15,000Operating result 2023: €13,978€13,978Net result 2023: €11,056€11,056Operating result 2024: €1,062€1,062Net result 2024: €606€60620232024€0€5,000€10,000€15,000Operating result 2023: €13,978€14,000Net result 2023: €11,056€11,100Operating result 2024: €1,062€1,060Net result 2024: €606€60620232024
The operating result falls in 2024; 2024 is 92% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €19,616
Fixed assets €1,678 ▲ 159%
Current assets €17,938 ▲ 15.3%
Equity and liabilities €19,616
Equity €12,062 ▼ 1.6%
Debt €7,553 ▲ 91.2%
Debt's share of the balance-sheet total rises from 24.4% to 38.5%. Equity is lower and debt is higher.
Key figures and ratios
2024 value · change against 2023
EBITDA
€1,481▼
2023 · €13,980
Cash flow
€1,025▼
2023 · €11,058
Debt to equity
0.63▲
2023 · 0.32
ROE
5.0%▼
2023 · 90.2%
Interest coverage
43.81
Debt ≤ 1 year
€4,562▲
2023 · €3,950
Debt > 1 year
€2,991
Income taxes
€432▼
2023 · €2,922
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,549 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit under 5% of the balance sheet
1.8% went bankrupt
3.1% stopped otherwise
94% still going

A further 0.8% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.7% 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%.

The companies in ten equal groups, from lowest to highest expected share.
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 2,549 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
Filed annual accounts As filed with the NBB · 2024 against 2023 · 37 lines
Balance sheet Code20232024
Assets
Total assets20/58€16,207€19,616▲
Fixed assets21/28€649€1,678▲
Tangible fixed assets22/27€649€1,678▲
Furniture and vehicles24€649€1,678▲
Current assets29/58€15,558€17,938▲
Amounts receivable within one year40/41€405€356▼
Other amounts receivable41€405€356▼
Cash at bank and in hand54/58€15,153€17,582▲
Equity and liabilities
Total equity and liabilities10/49€16,207€19,616▲
Equity10/15€12,256€12,062▼
Contributions10/11€2,000€2,000=
Profit (loss) carried forward14€10,256€10,062▼
Amounts payable17/49€3,950€7,553▲
Amounts payable after more than one year17-€2,991
Other amounts payable178/9-€2,991
Amounts payable within one year42/48€3,950€4,562▲
Trade debts44€228€408▲
Suppliers440/4€228€408▲
Taxes, remuneration and social security45€2,922€3,354▲
Taxes450/3€2,922€3,354▲
Other amounts payable47/48€800€800=
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2€420▲
Other operating charges640/8€50-
Gross operating margin9900€14,030€1,481▼
Operating profit (loss)9901€13,978€1,062▼
Financial income75/76B-€10
Recurring financial income75-€10
Financial charges65/66B-€34
Recurring financial charges65-€34
Profit (loss) for the period before taxes9903€13,978€1,038▼
Income taxes67/77€2,922€432▼
Profit (loss) for the period9904€11,056€606▼
Profit (loss) for the period to be appropriated9905€11,056€606▼
Appropriation of the result
Profit (loss) to be appropriated9906€11,056€10,862▼
Profit (loss) brought forward from the previous period14P-€10,256
Profit to be distributed694/7€800€800=
Return on contributions (dividend)694€800€800=

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2€420▲ 23,468%
Other operating charges640/8€50--
Gross operating margin9900€14,030€1,481▼ 89.4%
Operating profit (loss)9901€13,978€1,062▼ 92.4%
Financial income75/76B-€10-
Recurring financial income75-€10-
Financial charges65/66B-€34-
Recurring financial charges65-€34-
Profit (loss) for the period before taxes9903€13,978€1,038▼ 92.6%
Income taxes67/77€2,922€432▼ 85.2%
Profit (loss) for the period9904€11,056€606▼ 94.5%
Profit (loss) for the period to be appropriated9905€11,056€606▼ 94.5%
Line20232024Change
Assets
Total assets20/58€16,207€19,616▲ 21.0%
Fixed assets21/28€649€1,678▲ 159%
Tangible fixed assets22/27€649€1,678▲ 159%
Furniture and vehicles24€649€1,678▲ 159%
Current assets29/58€15,558€17,938▲ 15.3%
Amounts receivable within one year40/41€405€356▼ 12.1%
Other amounts receivable41€405€356▼ 12.1%
Cash at bank and in hand54/58€15,153€17,582▲ 16.0%
Equity and liabilities
Total equity and liabilities10/49€16,207€19,616▲ 21.0%
Equity10/15€12,256€12,062▼ 1.6%
Contributions10/11€2,000€2,000=
Profit (loss) carried forward14€10,256€10,062▼ 1.9%
Amounts payable17/49€3,950€7,553▲ 91.2%
Amounts payable after more than one year17-€2,991-
Other amounts payable178/9-€2,991-
Amounts payable within one year42/48€3,950€4,562▲ 15.5%
Trade debts44€228€408▲ 78.8%
Suppliers440/4€228€408▲ 78.8%
Taxes, remuneration and social security45€2,922€3,354▲ 14.8%
Taxes450/3€2,922€3,354▲ 14.8%
Other amounts payable47/48€800€800=
Line20232024Change
Profit (loss) for the period9904€11,056€606▼ 94.5%
+ Depreciation and write-downs630€2€420▲ 23,468%
Operating cash flow (approximation)€11,058€1,025▼ 90.7%
Investment in fixed assets (approximation)--€1,448-
Change in cash-€2,429-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
11-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
14-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
NBB filing
0 of 2 acts read
About the unread acts

We know of 2 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
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, Assesse · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
7,204 m²
Building footprint
234 m²
Parcel 92006B0461/00P000, Wallonia. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
SN VENTURES
Rue Jaumain 14, 5330 AssesseReal estate activities
since 20232.347.950.326
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92006B0461/00P000 Wallonia 7,204 m² 1 · 234 m² -
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.

Similar companies · same sector, comparable size

Of 30,007 companies in sector 62200 we hold annual accounts for 18,400. 10,499 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded22-06-2023
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
71121Engineering and related technical consultancy, excluding land surveyors
Contact
E-mail nicolas@sarafidis.eu
E-invoicing
Reachable via Peppol
Peppol ID 0208:0803061416
Registered 30-10-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.