Turnover
≈ €210,000 estimated
The micro format states no turnover.
Snack Référence
Overview
Lifetime
1 annual account with figurespeak €56,745 (2025)
€56,745
peak €13,974 (2025)
€13,974
peak €18,974 (2025)
€18,974
€38,675
Board3 names since 2025
3 directorsBALTA Faruk and 2 others
Documentsfilings and deeds
29-07-20262 days before the deadline
2025micro format
Incorporation 14-021 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsStarting capital
€5,000 300 shares
Checked score
50
Fair
Financially stronger than 53% of micro companies in food and beverage service (NACE 56)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.8% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,791 companies (NACE 56, micro).
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
03-2026: 3.9%
04-2026: 4.0%▲ +0.1 percentage points vs 03-2026
05-2026: 4.1%▲ +0.1 percentage points vs 04-2026
06-2026: 4.5%▲ +0.4 percentage points vs 05-2026highest value
07-2026: 4.5%● unchanged vs 06-2026highest value
08-2026: 3.6%▼ -0.9 percentage points vs 07-2026lowest value
09-2026: 3.8%▲ +0.2 percentage points vs 08-2026
10-2026: 3.8%● unchanged vs 09-2026
11-2026: 3.8%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2025
Size: total assets €57,650
Sector: Food and beverage service activities (NACE 56)
lowers risk
Figures for financial year 2025 (filed on 29-07-2026)
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 56, micro). It does better than 53% of them on solvency, 21% on liquidity and 86% on profitability.
The bankruptcy probability was computed on 10-11-2026 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 moderate class on 30-06-2025, 2.4% 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, 11,279 companies had the same profile as Snack Référence has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
The bankruptcy probability of Snack Référence itself is higher: 3.8% within 12 months. It rests on far more data about Snack Référence than the profile alone.
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 11,279 companies, not a prediction for Snack Référence. 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 €500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.9, below 1. Short-term debt is 67.1% and cash 9% of total assets. 67.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- BALTA Mehmet-Emin 100 sharesdeed of 14-02-2025
- BALTA Faruk 100 sharesdeed of 14-02-2025
- BALTA Riza 100 sharesdeed of 14-02-2025
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1019894523
Incorporation
Founding capital of €5,000, 300 shares · Founders: BALTA Mehmet-Emin, BALTA Faruk and BALTA Riza · Appointments: BALTA Mehmet-Emin, BALTA Faruk and BALTA Riza · published on 14-02-2025 · Gazette deed
First establishment
SNACK REFERENCE, Rue Jules Boulvin 2A, Charleroi
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Snack Référence Charleroi | - | - | 32.9% | - |
| BABYLON.B Rochefort | - | - | 41.5% | - |
| Snack ’n Beetje Merelbeke-Melle | - | - | 55.7% | - |
| IB ALPHA Sint-Gillis (bij-Brussel) | €219,517 | 12.6% | 16.2% | - |
| NNN Brothers Ghent | - | - | 33.4% | - |
| Rasso Brussels | - | - | 41.8% | - |
| RIVE Tienen | €93,958 | 53.5% | 84.0% | - |
These companies have the same main activity as Snack Référence: limited-service restaurants, excluding mobile food services (NACE 56112). They are comparable in size and age: total assets between €56,900 and €63,300, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 12-02-2025Normal situation
- Activity
- Limited-service restaurants, excluding mobile food servicesNACE 56112and 1 other
- Establishment unit
- 2.370.961.5956044 Charleroi, since 12-02-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 12-01-2026
Annual accounts 2025
- €56,745
- €13,974
- €18,974
- €57,650
- Employeeson 31-12-2025
- 2
- Filing
- Filed on 29-07-2026, 2 days before the end of the filing period
Insights on Snack Référence
The computed 12-month bankruptcy probability of Snack Référence is 3.8% (moderate). The 2025 annual accounts show equity of €18,974 and a net result of €13,974.
Its solvency ranks better than 53% of 17,158 sector peers (NACE 56, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 29-07-2026, 2 days before the deadline€56,745
€18,367
€13,974
-€3,903
32.9%
0.90
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €210,000. Estimated: probably between €160,000 and €250,000.
Balance sheet
balance sheet total €57,650 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
32.9%
Higher than 53% of 17,158 companies in 2025.
0.90
Higher than 42% of 16,582 companies in 2025.
24.2%
Higher than 84% of 16,665 companies in 2025.
Snack Référence
Middle half of the sector
80% of the sector
Micro accounts in food and beverage service (NACE 56)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Staff
€12,707
Staff costs divided by the average number of full-time equivalents.
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
57,650 | |
21/28 |
22,877 | |
22/27 |
17,477 | |
23 |
17,477 | |
28 |
5,400 | |
29/58 |
34,773 | |
3 |
23,564 | |
30/36 |
23,564 | |
40/41 |
6,000 | |
41 |
6,000 | |
54/58 |
5,209 | |
| Balance sheet: equity and liabilities | ||
10/49 |
57,650 | |
10/15 |
18,974 | |
10/11 |
5,000 | |
14 |
13,974 | |
17/49 |
38,675 | |
42/48 |
38,675 | |
44 |
26,465 | |
440/4 |
26,465 | |
45 |
10,211 | |
450/3 |
7,348 | |
454/9 |
2,862 | |
47/48 |
2,000 | |
| Income statement | ||
9900 |
56,745 | |
62 |
27,955 | |
630 |
1,166 | |
66A |
9,258 | |
9901 |
18,367 | |
75/76B |
51 | |
75 |
51 | |
65/66B |
1,041 | |
65 |
1,041 | |
9903 |
17,377 | |
67/77 |
3,402 | |
9904 |
13,974 | |
9905 |
13,974 | |
| Appropriation of the result | ||
9906 |
13,974 | |
| Social balance sheet | ||
9087 |
2.2 | |
Hours worked1013 |
1,128 | |
| Document | ||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 29-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 29-07-2026 | 2026-00350156 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 19,533 | ||
| 15,140 | ||
| 24,043 | ||
| -3,903 | ||
| 32.9% | ||
| 0.90 | ||
| 0.29 | ||
| 2.04 | ||
| 73.6% | ||
| 24.2% | ||
| 18.76 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Social balance sheet
| Item | 31-12-2025 |
|---|---|
| Employees at the balance-sheet date | 2 |
| part-time | 2 |
| in full-time equivalents | 1 |
| 1.1 |
Source: social balance sheet in the 2025 annual accounts
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €18,643 |
| Financial fixed assets | €5,400 |
| €1,166 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on Snack Référence
Debt's share of the balance-sheet total is 67.1%.
Board & ownership
Board
3 directors, since incorporationDirector (not named in the articles)
appointed by deed of 14-02-2025
term without a fixed end
Director (not named in the articles)
appointed by deed of 14-02-2025
term without a fixed end
Director (not named in the articles)
appointed by deed of 14-02-2025
term without a fixed end
Mandates through the years
3 names, the dashed line is todayBALTA Faruk
Director (not named in the articles)
Director (not named in the articles)
BALTA Mehmet-Emin
Director (not named in the articles)
Director (not named in the articles)
BALTA Riza
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- BALTA Faruk
- Director (not named in the articles), appointed by deed of 14-02-2025, still in office
- BALTA Mehmet-Emin
- Director (not named in the articles), appointed by deed of 14-02-2025, still in office
- BALTA Riza
- Director (not named in the articles), appointed by deed of 14-02-2025, still in office
Control
Founders
This company
Snack Référence
Equity €18,974
Profit €13,974 in 2025
Capital
- Contribution
- €5,000
- Shares
- 300
- Contribution per share
- €16.67
- Equity per share
- €63.25 in 2025
- Source
- deed of 14-02-2025
Articles of association
deed of 14-02-2025 (in French)- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Fixe ou proportionnelle, gratuit sauf décision contraire assemblée générale”
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- 300 shares
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant moitié acquéreurs proportionnellement si plusieurs, mêmes formalités si non actionnaires de plein droit”
Shareholders
At incorporation
deed of 14-02-2025 ↗
- BALTA Mehmet-Emin 100 shares (33.3%) · €1,666.67
- BALTA Faruk 100 shares (33.3%) · €1,666.67
- BALTA Riza 100 shares (33.3%) · €1,666.66
Network & group
No group
Snack Référence has no parent and no holdings in its annual accounts. Snack Référence shares no director with another company.
Timeline
Timeline
4 events since 2025Filings
Establishments
20252026
2026
Annual accounts 2025 filed NBBmicro format · 2 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:1019894523
2025
IncorporationFounding capital of €5,000, 300 shares · Founders: BALTA Mehmet-Emin, BALTA Faruk and BALTA Riza · Appointments: BALTA Mehmet-Emin, BALTA Faruk and BALTA Riza · published on 14-02-20259 points ▸
- Founder, BALTA Mehmet-Emin
- Founder, BALTA Faruk
- Founder, BALTA Riza
- Founding capital, €5,000, 300 shares
- Registered office clause, 6044 Roux rue Jules Boulvin 2A
- Board rule, 3, 4
- Director appointment, BALTA Mehmet-Emin (director (not named in the articles))
- Director appointment, BALTA Faruk (director (not named in the articles))
- Director appointment, BALTA Riza (director (not named in the articles))
- The deed holds 6 more points.
First establishment SNACK REFERENCE, Rue Jules Boulvin 2A, Charleroi
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1019.894.523
- VAT number
- BE 1019.894.523
- Peppol ID
- 0208:1019894523
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 12-02-2025
- Financial year
- ends on 31 December
- Peppol
- Reachable since 12-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Snack Référence in French
- Entity type
- Legal entity
- Name clauseThe company operates under this name according to its articles.
- Snack Référencedeed of 14-02-2025 (in French)
Activities
NACEBEL 2025VAT activities
56112
Limited-service restaurants, excluding mobile food services main activity
56210
Event catering
Social security (RSZ) activities
56112
Limited-service restaurants, excluding mobile food services main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L'exploitation ou la gérance de débits de boissons,brasseries,restaurants,tavernes,bars,discothèques,hôtels,salons de consommation et…”deed of 14-02-2025 (in French)
16 activities
- L'exploitation ou la gérance de débits de boissons,brasseries,restaurants,tavernes,bars,discothèques,hôtels,salons de consommation et établissements similaires ;
- L'exploitation et la location de salles de réunions,banquets et autres manifestations culturelles et artistiques,de centres d'entreprise,de traiteurs et de tous autres services aux entreprises ;
- La location et l'exploitation de salles,locaux ou emplacements pour banquets,réceptions,cérémonies,séminaires et généralement pour tous rassemblements et/ou manifestations ;
- La restauration,la fabrication et la livraison de plats préparés,la vente de boissons alcoolisées et non alcoolisées,l'hôtellerie,le service traiteur en Belgique ou à l’étranger,
- La fabrication,l'achat et/ou la vente,à consommer sur place ou à emporter,de produits de boulangerie et pâtisserie,de pizzas,de crêpes,de toute denrée alimentaire de petite restauration,de plats alimentaires préparés,de crème glacée,de glace de consommation,de pâtisserie,de produits de chocolaterie et confiserie ;
- Toute opération généralement quelconque ayant un rapport avec la restauration et notamment l’achat et la vente en gros ou en détail de produits d’alimentation,la fourniture de repas à domicile,de repas à emporter,l’organisation d’un service traiteur comprenant la fourniture et la préparation de repas à domicile ou sur place,la vente de produits naturels,la fourniture de boissons,l’organisation de réceptions ou de cocktails sur place ou à domicile avec fourniture ou prestation de services ;
- La préparation de la viande et de ses dérivés,la fabrication de potages,bouillons,concentrés et extraits de viande,l’abattage de volaille et de gibier,la fabrication de crème glacée et produit similaire ;
- L’exploitation d'un commerce de traiteur,avec ou sans service de livraison à domicile ;
- Le commerce de détail de plats préparés,charcuteries,fromages,produits laitiers ;
- Toutes activités commerciales d'import-export,de négoce,en gros ou au détail,et la représentation,la fabrication,la transformation,la conservation,le conditionnement et la distribution de toutes denrées alimentaires,solides ou liquides,et d'une façon générale,de tous produits,substances,mobiliers,matériels,articles et accessoires se rattachant directement ou indirectement aux secteurs de l'industrie et du commerce alimentaire ou agro-alimentaire ;
- L’organisation de tous banquets,réception,fêtes,buffets et salons ;
- La participation,l’organisation,la conception et la création d’événements,séminaires,conférences,formation,meetings,festivals,spectacles,concerts,expositions et autres réunions à caractère professionnel,promotionnel,mondain,caritatif,culturel,sportif ou récréatif. Elle peut dans ce cadre fournir tous services et prestations,notamment boissons,repas,assistance administrative et caetera.
- L’animation et la fourniture du matériel nécessaire à l’animation de tels évènements dans le sens le plus large ;
- La mise à disposition et le louage de toutes salles et espaces,de tables,chaises,matériels et ustensiles de cuisines,vaisselle au sens large et de tout matériel utile à une réception ou banquet ;
- La location de matériel de cuisine et la mise à disposition de personnel de cuisine ou de salle ainsi que tous services aux organisateurs de manifestations ou évènements ;
- Toute activité commerciale d’import-export,de négoce,en gros ou au détail,de représentation et la fabrication,la transformation,la conservation,le conditionnement,la distribution de toutes denrées alimentaires,solides ou liquides et d’une façon générale,de tous produits,substances,mobiliers,matériels,articles et accessoires se rattachant directement ou indirectement aux secteurs de l’industrie et du commerce alimentaire ou agro-alimentaire ;
Registered office and establishments
1 establishment| Establishment | Since | Unit number | FASFC approval |
|---|---|---|---|
| SNACK REFERENCE registered office Rue Jules Boulvin 2A, 6044 Charleroi | 12-02-2025 | 2.370.961.595 | Restaurant |
Buildings and parcels at the address
- Ground area
- 215 m²
- Buildings
- 131 m²
- Volume, LiDAR
- 984 m³
- Tallest building
- 9.5 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 52061C0273/00D003 | 215 m² | 1 · 131 m² | 9.5 m · 3 |
Recognitions
Food safety, FASFC
1 siteCharleroiunit number 2.370.961.595