SNAB
ActiveSummary
SNAB has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €435k and a net result of €80k. Equity is growing by ~36.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 2699 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability91▼-4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 24.54 against 20.03 in 2024; short-term debt: 4% and cash: 22.7% of total assets), and 4.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
17.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 06-01-2026, 25 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
25 d early
2024
36 d early
2023
34 d early
2022
42 d early
2021
38 d early
2020
27 d early
2019
24 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€435k▲ 22.5%
2024 · €355k
2019: €62k
2020: €39k▼ -37.1% vs 2019lowest in 7 years
2021: €129k▲ +231% vs 2020
2022: €205k▲ +58.4% vs 2021
2023: €277k▲ +35.2% vs 2022
2024: €355k▲ +28.3% vs 2023
2025: €435k▲ +22.5% vs 2024highest in 7 years
2019 → 2025
Total assets
€453k▲ 21.4%
2024 · €373k
2019: €64klowest in 7 years
2020: €141k▲ +121% vs 2019
2021: €182k▲ +28.9% vs 2020
2022: €226k▲ +24.5% vs 2021
2023: €301k▲ +32.8% vs 2022
2024: €373k▲ +24.2% vs 2023
2025: €453k▲ +21.4% vs 2024highest in 7 years
2019 → 2025
Net result
€80k▲ 1.0%
2024 · €79k
2019: €19klowest in 7 years
2020: €39k▲ +102% vs 2019
2021: €91k▲ +134% vs 2020highest in 7 years
2022: €75k▼ -17.2% vs 2021
2023: €72k▼ -4.6% vs 2022
2024: €79k▲ +10.1% vs 2023
2025: €80k▲ +1.0% vs 2024
2019 → 2025
Working capital
€432k▲ 23.5%
2024 · €350k
2019: €57k
2020: €36k▼ -37.9% vs 2019lowest in 7 years
2021: €124k▲ +249% vs 2020
2022: €194k▲ +57.0% vs 2021
2023: €267k▲ +37.6% vs 2022
2024: €350k▲ +30.8% vs 2023
2025: €432k▲ +23.5% vs 2024highest in 7 years
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€129k-€205k▲ 58.4%€277k▲ 35.2%€355k▲ 28.3%€435k▲ 22.5%
2021: €129klowest in 5 years
2022: €205k▲ +58.4% vs 2021
2023: €277k▲ +35.2% vs 2022
2024: €355k▲ +28.3% vs 2023
2025: €435k▲ +22.5% vs 2024highest in 5 years
Operating result€129k-€106k▼ 18.0%€100k▼ 5.2%€109k▲ 8.7%€109k▲ 0.1%
2021: €129khighest in 5 years
2022: €106k▼ -18.0% vs 2021
2023: €100k▼ -5.2% vs 2022lowest in 5 years
2024: €109k▲ +8.7% vs 2023
2025: €109k▲ +0.1% vs 2024
Net result€91k-€75k▼ 17.2%€72k▼ 4.6%€79k▲ 10.1%€80k▲ 1.0%
2021: €91khighest in 5 years
2022: €75k▼ -17.2% vs 2021
2023: €72k▼ -4.6% vs 2022lowest in 5 years
2024: €79k▲ +10.1% vs 2023
2025: €80k▲ +1.0% vs 2024
Turnover and EBIT margin not published: the abbreviated 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 0% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €453k
Fixed assets
€3k ▼ 42.6%
Current assets
€450k ▲ 22.4%
Equity and liabilities €453k
Equity
€435k ▲ 22.5%
Debt
€19k ▼ 0.1%
Debt's share of the balance-sheet total falls from 5.0% to 4.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€111k▼
2024 · €113k
Cash flow
€82k▼
2024 · €83k
Current ratio
24.54▲
2024 · 20.03
Debt to equity
0.04▼
2024 · 0.05
ROE
18.4%▼
2024 · 22.3%
ROA
17.6%▼
2024 · 21.2%
Interest coverage
1614.14▼
2024 · 1743.95
Debt ≤ 1 year
€18k▼
2024 · €18k
Income taxes
€32k▲
2024 · €32k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€373k€453k▲
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€5k€3k▼
Plant, machinery and equipment23€577€369▼
Furniture and vehicles24€2k€555▼
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28€250€250=
Current assets29/58€368k€450k▲
Amounts receivable after more than one year29€207k€294k▲
Other amounts receivable291€207k€294k▲
Amounts receivable within one year40/41€39k€52k▲
Trade receivables40€33k€36k▲
Other amounts receivable41€6k€16k▲
Cash at bank and in hand54/58€122k€103k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€373k€453k▲
Equity10/15€355k€435k▲
Reserves13€355k€435k▲
Distributable reserves133€355k€435k▲
Amounts payable17/49€19k€19k▼
Amounts payable within one year42/48€18k€18k▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€16k€17k▲
Taxes450/3€16k€17k▲
Other amounts payable47/48€1k-
Accrued charges and deferred income492/3€194€200▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€2k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€114k€113k▼
Operating profit (loss)9901€109k€109k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€65€69▲
Recurring financial charges65€65€69▲
Profit (loss) for the period before taxes9903€111k€112k▲
Income taxes67/77€32k€32k▲
Profit (loss) for the period9904€79k€80k▲
Profit (loss) for the period to be appropriated9905€79k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€79k€80k▲
Transfer to equity691/2€78k€80k▲
To other reserves6921€78k€80k▲
Profit to be distributed694/7€1k-
Directors or managers695€1k-
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €4k | €4k | €4k | €2k | ▼ 43.4% |
| Other operating charges640/8 | - | €1k | €1k | €1k | €1k | ▼ 12.0% |
| Gross operating margin9900 | €133k | €111k | €106k | €114k | €113k | ▼ 1.6% |
| Operating profit (loss)9901 | €129k | €106k | €100k | €109k | €109k | ▲ 0.1% |
| Financial income75/76B | - | €435 | €213 | €2k | €3k | ▲ 63.3% |
| Recurring financial income75 | - | €435 | €213 | €2k | €3k | ▲ 63.3% |
| Financial charges65/66B | - | €80 | €130 | €65 | €69 | ▲ 6.4% |
| Recurring financial charges65 | €58 | €80 | €130 | €65 | €69 | ▲ 6.4% |
| Profit (loss) for the period before taxes9903 | €129k | €106k | €100k | €111k | €112k | ▲ 1.2% |
| Income taxes67/77 | €38k | €31k | €28k | €32k | €32k | ▲ 1.6% |
| Profit (loss) for the period9904 | €91k | €75k | €72k | €79k | €80k | ▲ 1.0% |
| Profit (loss) for the period to be appropriated9905 | €91k | €75k | €72k | €79k | €80k | ▲ 1.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €182k | €226k | €301k | €373k | €453k | ▲ 21.4% |
| Formation expenses20 | €2k | - | - | - | - | - |
| Fixed assets21/28 | €4k | €10k | €9k | €5k | €3k | ▼ 42.6% |
| Tangible fixed assets22/27 | €4k | €10k | €9k | €5k | €3k | ▼ 44.7% |
| Plant, machinery and equipment23 | - | €3k | €1k | €577 | €369 | ▼ 36.0% |
| Furniture and vehicles24 | - | €8k | €5k | €2k | €555 | ▼ 76.8% |
| Other tangible fixed assets26 | - | - | €2k | €2k | €2k | ▼ 11.4% |
| Financial fixed assets28 | €250 | €250 | €250 | €250 | €250 | = |
| Current assets29/58 | €176k | €216k | €291k | €368k | €450k | ▲ 22.4% |
| Amounts receivable after more than one year29 | - | - | €18k | €207k | €294k | ▲ 42.3% |
| Other amounts receivable291 | - | - | €18k | €207k | €294k | ▲ 42.3% |
| Amounts receivable within one year40/41 | €44k | €109k | €82k | €39k | €52k | ▲ 33.7% |
| Trade receivables40 | - | €87k | €67k | €33k | €36k | ▲ 10.6% |
| Other amounts receivable41 | - | €22k | €15k | €6k | €16k | ▲ 156% |
| Cash at bank and in hand54/58 | €131k | €105k | €190k | €122k | €103k | ▼ 15.2% |
| Deferred charges and accrued income490/1 | - | €1k | €993 | €1k | €1k | ▲ 17.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €182k | €226k | €301k | €373k | €453k | ▲ 21.4% |
| Equity10/15 | €129k | €205k | €277k | €355k | €435k | ▲ 22.5% |
| Reserves13 | €129k | €205k | €277k | €355k | €435k | ▲ 22.5% |
| Distributable reserves133 | - | €205k | €277k | €355k | €435k | ▲ 22.5% |
| Amounts payable17/49 | €53k | €22k | €24k | €19k | €19k | ▼ 0.1% |
| Amounts payable within one year42/48 | €53k | €22k | €24k | €18k | €18k | ▼ 0.1% |
| Trade debts44 | €2k | €3k | €2k | €2k | €2k | ▲ 0.9% |
| Suppliers440/4 | - | €3k | €2k | €2k | €2k | ▲ 0.9% |
| Taxes, remuneration and social security45 | - | €18k | €22k | €16k | €17k | ▲ 6.2% |
| Taxes450/3 | - | €18k | €22k | €16k | €17k | ▲ 6.2% |
| Other amounts payable47/48 | - | - | - | €1k | - | - |
| Accrued charges and deferred income492/3 | - | €174 | €174 | €194 | €200 | ▲ 3.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €91k | €75k | €72k | €79k | €80k | ▲ 1.0% |
| + Depreciation and write-downs630 | €2k | €4k | €4k | €4k | €2k | ▼ 43.4% |
| Operating cash flow (approximation) | €93k | €80k | €76k | €83k | €82k | ▼ 1.2% |
| Investment in fixed assets (approximation) | - | €-11k | €-3k | €0 | €0 | - |
| Change in cash | - | €-26k | €85k | €-69k | €-18k | ▲ 73.1% |
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
Next filing, fiscal year 2026, expected by
2026
06-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
26-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
28-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Liquidity triplescurrent ratio 9.99
Current ratio from 3.36 to 9.99; short-term debt falls from €53k to €22k.
30-06
Financial
Equity above €200kEq €205k ▲58.4%
4 profitable years in a row build equity to €205k.
2021
24-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Highest result since 2019net €91k ▲134%
Operating result €129k, net result €91k, both a record.
30-06
Financial
Liquidity doublescurrent ratio 3.36
Current ratio from 1.35 to 3.36; short-term debt falls from €102k to €53k.
30-06
Financial
Equity above €100kEq €129k ▲231%
3 profitable years in a row build equity to €129k.
04-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
07-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
13-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 13 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Schoten · 1 establishment unit since 2017
Ground area
1,480 m²
Building footprint
228 m²
Volume, LiDAR
985 m³
Parcel 11040D0317/00B009, Flanders · tallest building 6.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SNAB
since 20172.260.511.952
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040D0317/00B009 | Flanders | 1,480 m² | 1 · 228 m² | 6.1 m · 1 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 675 EUR awarded · 675 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 675 EUR | 675 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 12,549 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
Founded14-01-2017
Fiscal year end30-06
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
Scores and ratios are computed by Checked and are not a credit decision.