Snack Référence
ActiveSummary
The computed 12-month bankruptcy probability of Snack Référence is 2.7% (moderate). The 2025 annual accounts show equity of €19k and a net result of €14k. Its solvency ranks better than 52% of 13417 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability99
Solvency58
Growth-
Track record67
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.9; short-term debt: 67.1% and cash: 9% of total assets), and 67.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
32.9%
Return on assets
24.2%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
2 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€19k
Total assets
€58k
Net result
€14k
Working capital
€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €58k
Fixed assets
€23k
Current assets
€35k
Equity and liabilities €58k
Equity
€19k
Debt
€39k
Debt finances 67.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€20k
Cash flow
€15k
Current ratio
0.90
Quick ratio
0.29
Debt to equity
2.04
ROE
73.6%
ROA
24.2%
Interest coverage
18.76
Debt ≤ 1 year
€39k
Income taxes
€3k
Staff costs
€28k
Filed annual accounts As filed with the NBB · 2025 · 37 lines
Balance sheet
Code2025
Assets
Total assets20/58€58k
Fixed assets21/28€23k
Tangible fixed assets22/27€17k
Plant, machinery and equipment23€17k
Financial fixed assets28€5k
Current assets29/58€35k
Stocks and contracts in progress3€24k
Stocks30/36€24k
Amounts receivable within one year40/41€6k
Other amounts receivable41€6k
Cash at bank and in hand54/58€5k
Equity and liabilities
Total equity and liabilities10/49€58k
Equity10/15€19k
Contributions10/11€5k
Profit (loss) carried forward14€14k
Amounts payable17/49€39k
Amounts payable within one year42/48€39k
Trade debts44€26k
Suppliers440/4€26k
Taxes, remuneration and social security45€10k
Taxes450/3€7k
Remuneration and social security454/9€3k
Other amounts payable47/48€2k
Income statement
Code2025
Remuneration, social security and pensions62€28k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k
Non-recurring operating charges66A€9k
Gross operating margin9900€57k
Operating profit (loss)9901€18k
Financial income75/76B€51
Recurring financial income75€51
Financial charges65/66B€1k
Recurring financial charges65€1k
Profit (loss) for the period before taxes9903€17k
Income taxes67/77€3k
Profit (loss) for the period9904€14k
Profit (loss) for the period to be appropriated9905€14k
Appropriation of the result
Profit (loss) to be appropriated9906€14k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2025 |
|---|---|
| Remuneration, social security and pensions62 | €28k |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k |
| Non-recurring operating charges66A | €9k |
| Gross operating margin9900 | €57k |
| Operating profit (loss)9901 | €18k |
| Financial income75/76B | €51 |
| Recurring financial income75 | €51 |
| Financial charges65/66B | €1k |
| Recurring financial charges65 | €1k |
| Profit (loss) for the period before taxes9903 | €17k |
| Income taxes67/77 | €3k |
| Profit (loss) for the period9904 | €14k |
| Profit (loss) for the period to be appropriated9905 | €14k |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €58k | |
| Fixed assets21/28 | €23k | |
| Tangible fixed assets22/27 | €17k | |
| Plant, machinery and equipment23 | €17k | |
| Financial fixed assets28 | €5k | |
| Current assets29/58 | €35k | |
| Stocks and contracts in progress3 | €24k | |
| Stocks30/36 | €24k | |
| Amounts receivable within one year40/41 | €6k | |
| Other amounts receivable41 | €6k | |
| Cash at bank and in hand54/58 | €5k | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €58k | |
| Equity10/15 | €19k | |
| Contributions10/11 | €5k | |
| Profit (loss) carried forward14 | €14k | |
| Amounts payable17/49 | €39k | |
| Amounts payable within one year42/48 | €39k | |
| Trade debts44 | €26k | |
| Suppliers440/4 | €26k | |
| Taxes, remuneration and social security45 | €10k | |
| Taxes450/3 | €7k | |
| Remuneration and social security454/9 | €3k | |
| Other amounts payable47/48 | €2k | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €14k |
| + Depreciation and write-downs630 | €1k |
| Operating cash flow (approximation) | €15k |
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
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Charleroi · 1 establishment unit since 2025
Ground area
215 m²
Building footprint
131 m²
Parcel 52061C0273/00D003, Wallonia. Linked by address, not a title deed.
1 establishment unit
SNACK REFERENCE
since 20252.370.961.595
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52061C0273/00D003 | Wallonia | 215 m² | 1 · 131 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteCharleroi2.370.961.595
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Of 21,853 companies in sector 56112 we hold annual accounts for 9,776. 8,008 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
Founded12-02-2025
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
56210Event catering
Scores and ratios are computed by Checked and are not a credit decision.