Financials
- Fiscal year
- 2025
- Total assets
- €575,435
- Loss
- -€8,908
- Solvency
- 0.5%
Total assets▼ 0.2%
Net result
20242025
SN-Vest
ActiveSummary
The computed 12-month bankruptcy probability of SN-Vest is 2.8% (moderate). The annual accounts of SN-Vest for fiscal year 2025 show a net loss of 75% of the equity at the start of that year. The 2025 annual accounts show equity of €2,982 and a net result of -€8,908. Its solvency ranks better than 10% of 33926 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
General electrical installation work
NACE 43211
1 site
Size
€575,435total assets 2025
- Equity
- €2,982
- Loss
- -€8,908
Turnover not published (abridged schema)
Structure
Accounts on time0 of 1 deed read
Why 50- Liquidity: current ratio 0.97- Founded in 2023- Sector Specialised construction activities (NACE 43)+ Size: total assets €575,435Show the evidence
Checked score
Score 2025
50
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 29% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency
26-1
equity 0.5% of total assets
Liquidity
89-8
short-term debt 18.5%
Profitability
32-3
return on assets -1.5%
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 2.7%
12-2024: 3.0%▲ +10.3% vs 11-2024
01-2025: 3.0%● 0.0% vs 12-2024
02-2025: 2.9%▼ -1.3% vs 01-2025
03-2025: 2.9%▼ -1.1% vs 02-2025
04-2025: 3.2%▲ +8.6% vs 03-2025highest value
05-2025: 3.0%▼ -6.0% vs 04-2025
06-2025: 2.9%▼ -1.2% vs 05-2025
07-2025: 2.9%● 0.0% vs 06-2025
08-2025: 2.9%● 0.0% vs 07-2025
09-2025: 2.9%● 0.0% vs 08-2025
10-2025: 2.9%● 0.0% vs 09-2025
11-2025: 2.9%● 0.0% vs 10-2025
12-2025: 2.8%▼ -3.6% vs 11-2025
01-2026: 2.8%● 0.0% vs 12-2025
02-2026: 2.6%▼ -7.2% vs 01-2026
03-2026: 2.6%▼ -2.8% vs 02-2026lowest value
04-2026: 2.6%▲ +0.6% vs 03-2026
05-2026: 2.7%▲ +6.2% vs 04-2026
06-2026: 2.7%● 0.0% vs 05-2026
07-2026: 2.7%▲ +0.3% vs 06-2026
08-2026: 2.8%▲ +0.9% vs 07-2026
09-2026: 2.8%● 0.0% vs 08-2026
10-2026: 2.8%● 0.0% vs 09-2026
- Liquidity: current ratio 0.97 raises the probability
- Founded in 2023 raises the probability for this profile
- Size: total assets €575,435 lowers the probability for this profile
- Sector Specialised construction activities (NACE 43) raises the probability
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.97 against 1.02 in 2024; short-term debt: 18.5% of total assets), and 99.5% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 8%, liquidity 87%, profitability 17%, growth against the median 6%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 33926 sector peers (2025).
NBB · sector comparisonPosition among 33926 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
on the day
2024
26 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 13 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-09-2026 close05-10-2026 today30-04-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 2
- Since
- 2025
- Next accounts
- by 30-04-2027
- 30-04-2026Annual accounts filed
- 04-04-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- General electrical installation workNACE 43211
- Founded
- 16-05-2023
- Year ends
- 30-09
- Peppol
- Reachable for e-invoices
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