Turnover
€1.7m ▲ 271%
Turnover rose in 2025 from €448,979 to €1.7m.
SNAB
Lifetime
18 annual accounts with figures on one time axispeak €24.6m (2015)
€1.7m▲ 271%
lowest -€1.6m (2018)
€27,667▼ 24.2%
peak €362,064 (2025)
€362,064▲ 8.3%
€697,105▲ 97.0%
peak 42.9 FTE (2015)
-not published
Board6 names since 2018
2 directorsde HARLEZ de DEULIN Antoine, Charles, Arnold, Marie, Ghislain and 1 other
Owners5 names in the annual accounts
consolidatesSAAEM SA
Documentsfilings and deeds
16-06-202645 days before the deadline
2025financial year
Turnover from €448,979 to €1.7mDebts from €353,771 to €697,105Cash from €33,480 to €140,600
Key points
from the 2025 annual accountsDebts
€697,105 ▲ 97.0%
Debts rose by €343,334 in 2025.
Payment terms
83 days to suppliers
SNAB pays its suppliers 91 days earlier than in 2024. Customers pay 22 days earlier.
Checked score
92
Excellent
Financially stronger than 48% of micro companies in retail trade (NACE 47)
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: 0.6% across 40,271 companies (NACE 47, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.7%
01-2025: 0.7%● unchanged vs 12-2024
02-2025: 0.8%▲ +0.1 percentage points vs 01-2025
03-2025: 0.8%● unchanged vs 02-2025
04-2025: 0.8%● unchanged vs 03-2025
05-2025: 0.8%● unchanged vs 04-2025
06-2025: 0.9%▲ +0.1 percentage points vs 05-2025
07-2025: 0.6%▼ -0.3 percentage points vs 06-2025
08-2025: 0.6%● unchanged vs 07-2025
09-2025: 0.6%● unchanged vs 08-2025
10-2025: 0.6%● unchanged vs 09-2025
11-2025: 0.6%● unchanged vs 10-2025
12-2025: 0.6%● unchanged vs 11-2025
01-2026: 0.6%● unchanged vs 12-2025
02-2026: 0.6%● unchanged vs 01-2026
03-2026: 0.7%▲ +0.1 percentage points vs 02-2026
04-2026: 0.7%● unchanged vs 03-2026
05-2026: 0.9%▲ +0.2 percentage points vs 04-2026
06-2026: 0.8%▼ -0.1 percentage points vs 05-2026
07-2026: 1.0%▲ +0.2 percentage points vs 06-2026
08-2026: 1.4%▲ +0.4 percentage points vs 07-2026
09-2026: 1.9%▲ +0.5 percentage points vs 08-2026highest value
10-2026: 0.3%▼ -1.6 percentage points vs 09-2026
11-2026: 0.1%▼ -0.2 percentage points vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Sector: Retail trade (NACE 47)
lowers risk
Size: turnover €1.7m, total assets €1.1m
Founded in 2007
Figures for financial year 2025 (filed on 16-06-2026)
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 47, micro). It does better than 49% of them on solvency, 29% on liquidity, 34% on profitability and 78% 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, 6,049 companies had the same profile as SNAB has now. Each dot stands for 16 companies, two years later.
95.9%
were still trading
3.6%
stopped another way
0.4%
went bankrupt
That fits the bankruptcy probability of SNAB itself: 0.1% within 12 months.
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 6,049 companies, not a prediction for SNAB. 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 €30,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.32 (1.55 in 2024), below the usual 1.5. Short-term debt is 64.6% and cash 13% of total assets. 66.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €362,064
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 16-06-2026, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 days early
2024
44 days early
2023
43 days early
2022
20 days early
2021
26 days early
2020
145 days late
2019
392 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 51 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% 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 19 June (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
Board and ownership
- SAAEM Belgium 100%equity €22.8m (2025) · 2025 annual accounts of SAAEM Belgium
- SAAEM SA consolidatesannual accounts 2025
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0892798490
Reappointment: BV RSM INTERAUDIT (statutory auditor)
General meeting of 28-05-2026 · Gazette deed
Registered office moved from Uccle to Heverlee
New registered office: Ambachtenlaan 4, 3001 Heverlee · Previous registered office: Sumatralaan 41, 1180 Ukkel · “Groot-en kleinhandel in nieuwe en tweedehandse auto’s en motorvoertuigen; Groot-en kleinhandel in onderdelen…” (deed in Dutch) · General meeting of 22-10-2024 · Gazette deed
2 directors appointed, 3 resignations
Resignations: MAURIN Jean-Bernard (managing director); CATELIN Benoît, Pierre, Marcel (managing director) and JACQUET Thierry (day-to-day manager) · Appointments: SAAEM SA (managing director) and de HARLEZ de DEULIN Antoine, Charles, Arnold, Marie, Ghislain (managing director) · Permanent representative: CATELIN Benoît, Pierre, Marcel · General meeting of 26-02-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SNAB Leuven | €1.7m | 2.6% | 33.6% | - |
| ACPL HUY Huy | €1.2m | 12.6% | 94.4% | 1.6 |
| GOOSSE AUTOS Bastogne | €1.1m | 7.9% | 23.4% | 5.8 |
| MEURANT MERBES AUTO Merbes-le-Château | €1.2m | 3.8% | 26.6% | 5.7 |
| IVOZ MOTOR Flémalle | €1.4m | 6.4% | 60.4% | - |
| AUTOHANDEL BULENT Heusden-Zolder | €3.1m | 1.3% | 26.5% | - |
| AUTO SERVICE THUDINIE Thuin | €2.0m | -0.6% | 6.5% | - |
Grey: the largest companies of the sector (retail trade (NACE 47)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as SNAB: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €733,000 and €1.4m, founded between 2001 and 2011.
Official details
Source: KBO- Status
- Active since 15-10-2007Normal situation
- Activity
- Retail sale of cars and light vans (up to 3.5 tonnes)NACE 47811and 2 others
- Joint committees
- 112Garages
- 200Auxiliary committee for white-collar workers · annual accounts 2025
- Establishment units
- 2.166.873.2011180 Uccle, since 13-12-2007
- 2.223.370.4543500 Hasselt, since 01-07-2013and 1 other
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Annual accounts 2025
- €1.1m▲ 52.4%
- Filing
- Filed on 16-06-2026, 45 days before the end of the filing period
Insights on SNAB
SNAB has existed since 2007. Turnover fell from €21.9m in 2019 to €269,050 in 2022.
Solvency fell in 2025 from 47.2% to 33.6% because of higher debts to suppliers.
SAAEM Belgium holds all the shares. In October 2024, the Official Gazette published the appointment of de HARLEZ de DEULIN Antoine, Charles, Arnold, Marie, Ghislain as managing director.
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 SNAB
- What is the company number of SNAB?
- The company number of SNAB is 0892.798.490. The VAT number is the same number with BE in front: BE 0892.798.490.
- Where is SNAB based?
- The registered office is at Ambachtenlaan 4, 3001 Leuven.Company details
- What does SNAB do?
- According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
- What is the legal form of SNAB?
- SNAB is a public limited company (NV).
- When was SNAB founded?
- SNAB was founded on 15-10-2007.
- Is SNAB still active?
- Yes, SNAB is an active enterprise in the KBO register.
- How many employees does SNAB have?
- SNAB had an average of 11.2 full-time equivalents in financial year 2021, according to the filed annual accounts.Financials
- Which joint committee does SNAB fall under?
- In its 2025 annual accounts, SNAB states joint committees 112 (Garages) and 200 (Auxiliary committee for white-collar workers).
- What is the turnover of SNAB?
- The turnover of SNAB was €1.7m in financial year 2025, according to the filed annual accounts.
- Is SNAB profitable?
- In financial year 2025, SNAB made a profit of €27,667.
- Where can I find the annual accounts of SNAB?
- SNAB filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SNAB due?
- SNAB must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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