SNCV
ActiveSNCV has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €332k and a net result of €18k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 95% of 13061 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
94
/ 100
Excellent▼ -4 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability45▼-18
Solvency100=
Growth47▼-19
Stability100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 5.0 against 2.63 in 2024), and 11.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
Sector 56
higher
← 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
88.7%
Return on assets
4.9%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 27-05-2026, 65 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
65 d early
2024
66 d early
2023
47 d early
2022
52 d early
2021
31 d early
2020
32 d early
2019
30 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€602k▼ 10.5%
2024 · €672k
2018: €578k
2019: €567k
2020: €369k
2021: €406k
2022: €573k
2023: €707k
2024: €672k
2018 → 2025
EBIT margin
4.9%▼ 3.7pp
2024 · 8.6%
2018: 7.1%
2019: 5.0%
2020: 4.5%
2021: 19.7%
2022: 0.6%
2023: 9.6%
2024: 8.6%
2018 → 2025
Net result
€18k▼ 49.3%
2024 · €36k
2018: €33k
2019: €22k
2020: €17k
2021: €61k
2022: €24k
2023: €45k
2024: €36k
2018 → 2025
Working capital
€168k▼ 1.5%
2024 · €171k
2018: €-36k
2019: €-1k
2020: €50k
2021: €149k
2022: €210k
2023: €151k
2024: €171k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€406k-€573k▲ 41.2%€707k▲ 23.4%€672k▼ 4.9%€602k▼ 10.5%
Equity€327k-€361k▲ 10.2%€342k▼ 5.2%€319k▼ 6.8%€332k▲ 4.2%
Operating result€80k-€4k▼ 95.5%€68k▲ 1,800%€58k▼ 14.7%€29k▼ 48.9%
Net result€61k-€24k▼ 60.0%€45k▲ 85.2%€36k▼ 21.0%€18k▼ 49.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €374k
Fixed assets
€164k▲ 10.8%
Current assets
€211k▼ 23.7%
Equity and liabilities €374k
Equity
€332k▲ 4.2%
Debt
€42k▼ 59.9%
The debt ratio falls from 24.8% to 11.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€81k▼
2024 · €108k
Cash flow
€70k▼
2024 · €86k
Solvency
88.7%▲
2024 · 75.2%
Current ratio
5.00▲
2024 · 2.63
Quick ratio
4.83▲
2024 · 2.58
Debt / equity
0.13▼
2024 · 0.33
ROE
5.5%▼
2024 · 11.2%
ROA
4.9%▼
2024 · 8.4%
Interest coverage
11.42▼
2024 · 14.05
Debt
€42k▼
2024 · €105k
Debt ≤ 1 year
€42k▼
2024 · €105k
Income taxes
€7k▼
2024 · €17k
Staff costs
€129k▲
2024 · €128k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€424k€374k▼
Fixed assets21/28€148k€164k▲
Tangible fixed assets22/27€146k€162k▲
Land and buildings22€20k€11k▼
Plant, machinery and equipment23€98k€77k▼
Furniture and vehicles24€29k€74k▲
Financial fixed assets28€1k€1k=
Current assets29/58€276k€211k▼
Stocks and contracts in progress3€5k€7k▲
Stocks30/36€5k€7k▲
Amounts receivable within one year40/41€17k€21k▲
Trade receivables40€624-
Other amounts receivable41€16k€21k▲
Cash at bank and in hand54/58€245k€171k▼
Deferred charges and accrued income490/1€9k€12k▲
Equity and liabilities
Total equity and liabilities10/49€424k€374k▼
Equity10/15€319k€332k▲
Contributions10/11€86k€86k=
Reserves13€165k€183k▲
Distributable reserves133€165k€183k▲
Profit (loss) carried forward14€59k€57k▼
Investment grants15€8k€5k▼
Amounts payable17/49€105k€42k▼
Amounts payable within one year42/48€105k€42k▼
Trade debts44€27k€14k▼
Suppliers440/4€27k€14k▼
Taxes, remuneration and social security45€22k€27k▲
Taxes450/3€4k€8k▲
Remuneration and social security454/9€18k€19k▲
Other amounts payable47/48€56k€2k▼
Income statement
Code20242025
Turnover70€672k€602k▼
Goods, raw materials, services and sundry goods60/61€455k€428k▼
Remuneration, social security and pensions62€128k€129k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€51k▲
Other operating charges640/8€10k€10k▲
Gross operating margin9900€246k€221k▼
Operating profit (loss)9901€58k€29k▼
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€8k€8k=
Recurring financial charges65€8k€7k▼
Non-recurring financial charges66B-€600
Profit (loss) for the period before taxes9903€53k€25k▼
Income taxes67/77€17k€7k▼
Profit (loss) for the period9904€36k€18k▼
Profit (loss) for the period to be appropriated9905€36k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€95k€77k▼
Profit (loss) brought forward from the previous period14P€59k€59k=
Transfer from equity791/2€56k-
Transfer to equity691/2€36k€18k▼
To other reserves6921€36k€18k▼
Profit to be distributed694/7€56k€2k▼
Return on contributions (dividend)694€56k€2k▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €61k ▲262%
Operating result €80k, net result €61k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.81
Current ratio from 2.67 to 5.81.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €17k ▼24.1%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 2.67
Current ratio from 0.97 to 2.67; short-term debt falls from €49k to €30k.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Malmedy · 1 establishment unit since 2009
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Chemin-Rue 464960 MalmedyGround area
80 m²
Building footprint
61 m²
Volume, LiDAR
605 m³
Parcel 63049C0520/00B000, Wallonia · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
L'Esprit Sain
since 20092.177.358.010
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63049C0520/00B000 | Wallonia | 80 m² | 1 · 61 m² | 13.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 siteMalmedy2.177.358.010
Similar companies · same sector, comparable size
Commotie
BE 0662.895.525
Gent · Eq €332k
RECREATION & LEISURE
BE 0656.917.652
Waterloo · Eq €332k
SIX NATIONS
BE 0831.957.419
Brussel · Eq €332k
KIR
BE 0563.356.697
Eupen · Eq €332k
HOTLEU
BE 0431.164.901
Waimes · Eq €333k
Of 20,234 companies in sector 56111 we hold annual accounts for 11,312. 7,331 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-03-2009
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
47551Retail sale of household furniture
47559Retail sale of other household articles
47591Retail trade
47599Retail trade
49320Non-scheduled passenger transport by road
49390Land transport and transport via pipelines
55100Hotels and similar accommodation
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.