Equity
€195,032 ▲ 113%
Equity rose in 2025 from €91,698 to €195,032.
SNEN
Overview
Lifetime
3 annual accounts with figures on one time axispeak €134,187 (2025)
€134,187▲ 12.8%
peak €103,334 (2025)
€103,334▲ 51.7%
peak €195,032 (2025)
€195,032▲ 113%
€128,253▲ 59.1%
Board1 name since 2022
1 directorEL YAAGOUBI Mohamed Nabil
Documentsfilings and deeds
28-07-20263 days before the deadline
2025micro format
Gross margin from €118,997 to €134,187Result from €68,121 to €103,334Equity from €91,698 to €195,032Debts from €80,613 to €128,253Investments €3,000Cash from €20,765 to €3,396
Key points
from the 2025 annual accountsInvestments
€3,000 3.3 × depreciation
Green is investment, beige is depreciation. Machinery stands 70.1% higher than in 2024.
Filings
3 annual accounts 2 late
The 2024 accounts came latest: 49 days after the end of the period.
Checked score
89
Excellent
Financially stronger than 57% of micro companies in human health (NACE 86)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 24,192 companies (NACE 86, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025lowest value
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: 0.1%▲ +0.1 percentage points vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.2%▲ +0.1 percentage points vs 08-2025
10-2025: 0.1%▼ -0.1 percentage points vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.2%▲ +0.1 percentage points vs 06-2026
08-2026: 0.2%● unchanged vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026highest value
11-2026: 0.2%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 2.43, cash €3,396, halved
2 of the last 3 accounts late
lowers risk
Sector: Human health activities (NACE 86)
Figures for financial year 2025 (filed on 28-07-2026)
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 86, micro). It does better than 48% of them on solvency, 7% on liquidity, 80% on profitability and 91% on growth.
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 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, 39,278 companies had the same profile as SNEN has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SNEN itself is lower: 0.2% within 12 months. It rests on far more data about SNEN than the profile alone.
Test of the method
The method was tested on the 497,448 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 39,278 companies, not a prediction for SNEN. 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 €17,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.43 (2.02 in 2024), above the usual 1.5. Short-term debt is 39.7% and cash 1.1% of total assets. 39.7% 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 28-07-2026, 3 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
3 days early
2024
49 days late
2023
39 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 28 days after the deadline. In the sector (NACE 86), the median for financial year 2024 was 7 days before the deadline, and 36% 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 9 September (3 of the last 3 accounts filed within 43 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0785897958
Incorporation
Founding capital of €2,400, 100 shares · Founder: EL YAAGOUBI Mohamed Nabil · Appointment: EL YAAGOUBI Mohamed Nabil (director) · published on 12-05-2022 · Gazette deed
First establishment
d'Aumalestraat 42, Anderlecht
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SNEN Anderlecht | €323,285 | €134,187 | 60.3% | - |
| AREKYAN DENTAL Etterbeek | €372,899 | €141,809 | 1.9% | - |
| LIYANA DENTAL Auderghem | €286,716 | €145,692 | 87.1% | - |
| TAHA Dental Care Jette | €292,372 | €120,263 | 30.3% | - |
| APEX CAPITAL INVEST Liège | €319,437 | €128,315 | 27.3% | - |
| VIJC Balen | €339,684 | €134,731 | 89.8% | - |
| JOLLYSMILE Namur | €300,258 | €130,222 | 17.9% | - |
These companies have the same main activity as SNEN: dental practice (NACE 86230). They are comparable in size and age: total assets between €287,000 and €373,000, founded in 2022.
Official details
Source: KBO- Status
- Active since 10-05-2022Normal situation
- Activity
- Dental practiceNACE 86230
- Establishment unit
- 2.331.185.2611070 Anderlecht, since 10-05-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 31-12-2025
Annual accounts 2025
- €134,187▲ 12.8%
- ≈ €330,000estimated
- €103,334▲ 51.7%
- €195,032▲ 113%
- €323,285▲ 87.6%
- Filing
- Filed on 28-07-2026, 3 days before the end of the filing period
Insights on SNEN
SNEN files the micro format. That format states no turnover. The gross margin rose from €32,171 in 2023 to €134,187 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 28-07-2026, 3 days before the deadline€134,187
▲ 12.8%
€132,931
▲ 42.0%
€103,334
▲ 51.7%
€183,331
▲ 123%
60.3%
▲ 7.1 percentage points
2.43
▲ 0.41
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 ≈ €330,000. Estimated: probably between €240,000 and €380,000.
Balance sheet
balance sheet total €323,285 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
60.3%
Higher than 48% of 20,774 companies in 2025.
2.43
Higher than 46% of 20,348 companies in 2025.
32.0%
Higher than 67% of 20,630 companies in 2025.
SNEN
Middle half of the sector
80% of the sector
Micro accounts in human health (NACE 86)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
323,285 | 172,311 | 56,732 | |
21/28 |
11,701 | 9,598 | - | |
22/27 |
5,101 | 2,998 | - | |
23 |
5,101 | 2,998 | - | |
28 |
6,600 | 6,600 | - | |
29/58 |
311,584 | 162,713 | 56,732 | |
29 |
10,359 | 14,609 | 18,859 | |
291 |
10,359 | 14,609 | 18,859 | |
40/41 |
297,777 | 127,339 | 22,948 | |
41 |
297,777 | 127,339 | 22,948 | |
54/58 |
3,396 | 20,765 | 13,543 | |
490/1 |
51 | - | 1,382 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
323,285 | 172,311 | 56,732 | |
10/15 |
195,032 | 91,698 | 23,577 | |
10/11 |
2,400 | 2,400 | 2,400 | |
14 |
192,632 | 89,298 | 21,177 | |
17/49 |
128,253 | 80,613 | 33,155 | |
42/48 |
128,253 | 80,613 | 33,155 | |
42 |
- | 3,935 | - | |
43 |
- | - | 2,319 | |
430/8 |
- | - | 2,319 | |
44 |
5,365 | 6,156 | 24,297 | |
440/4 |
5,365 | 6,156 | 24,297 | |
45 |
63,887 | 31,522 | 6,539 | |
450/3 |
63,887 | 31,522 | 6,539 | |
47/48 |
59,001 | 39,000 | - | |
| Income statement | ||||
9900 |
134,187 | 118,997 | 32,171 | |
630 |
898 | 2 | - | |
640/8 |
359 | 25,409 | 5,447 | |
9901 |
132,931 | 93,587 | 26,723 | |
75/76B |
8,058 | - | 1,182 | |
75 |
8,058 | - | 1,182 | |
65/66B |
790 | 318 | 188 | |
65 |
790 | 318 | 188 | |
9903 |
140,199 | 93,268 | 27,717 | |
67/77 |
36,865 | 25,148 | 6,539 | |
9904 |
103,334 | 68,121 | 21,177 | |
9905 |
103,334 | 68,121 | 21,177 | |
| Appropriation of the result | ||||
9906 |
192,632 | 89,298 | 21,177 | |
14P |
89,298 | 21,177 | - | |
| Document | ||||
The notes to these accounts have 6 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 28-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 133,829 | 93,588 | - | ||
| 104,231 | 68,122 | - | ||
| 3,000 | 9,600 | - | ||
| -17,369 | 7,222 | - | ||
| 183,331 | 82,100 | 23,577 | ||
| 60.3% | 53.2% | 41.6% | ||
| 2.43 | 2.02 | 1.71 | ||
| 0.66 | 0.88 | 1.41 | ||
| 53.0% | 74.3% | 89.8% | ||
| 32.0% | 39.5% | 37.3% | ||
| over 100 | over 100 | - |
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.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | €3,000 | €3,000 | - |
| Financial fixed assets | - | €6,600 | - |
| €898 | €2 | - |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on SNEN
The operating result for 2025 is 42% higher than in 2024 and the highest since 2023. It is the second rise in a row.
Debt's share of the balance-sheet total falls from 46.8% to 39.7%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 12-05-2022
term without a fixed end
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Article 11 : Pouvoirs de l’organe d’administration S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est…”deed of 12-05-2022
Mandates through the years
1 name, the dashed line is todayEL YAAGOUBI Mohamed Nabil
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- EL YAAGOUBI Mohamed Nabil
- Director (not named in the articles), appointed by deed of 12-05-2022, still in office
Control
Capital
- Contribution
- €2,400
- Shares
- 100
- Contribution per share
- €24
- Equity per share
- €1,950 in 2025
- Source
- deed of 12-05-2022
Articles of association
deed of 12-05-2022 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- 1 director
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié à charge du cédant et moitié à charge du ou des acquéreurs,proportionnellement au nombre d’actions acquises, tous cas de cessions…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Monday of June at 17:00
Shareholders
At incorporation
deed of 12-05-2022 ↗
- EL YAAGOUBI Mohamed Nabil 100 shares (100%) · €2,400 in cash
Network & group
No group
SNEN has no parent and no holdings in its annual accounts. EL YAAGOUBI Mohamed Nabil is the only director. SNEN shares no director with another company.
At the same address
d'Aumalestraat 42, 1070 Anderlecht · 1 other company| El Yaagoubi, Mohamed (sole trader)
establishment since 01-10-2020 |
founded in 2020 0755.947.427 |
Timeline
Timeline
8 events since 2022Filings
Financial
Establishments
20222023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 3 days before the deadline
2025
Highest result from 2023 to 2025 net €103,334 ▲51.7% The operating result of €132,931 and the net result of €103,334 are both a record.
Equity above €150,000 equity €195,032 ▲113% With a profit in every financial year since 2023, equity grows to €195,032.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0785897958
Annual accounts 2024 filed PDFmicro format · 49 days late
2024
Annual accounts 2023 filed PDFmicro format · 39 days late
2022
IncorporationFounding capital of €2,400, 100 shares · Founder: EL YAAGOUBI Mohamed Nabil · Appointment: EL YAAGOUBI Mohamed Nabil (director) · published on 12-05-20226 points ▸
- Registered office clause, Rue d’Aumale 42, 1070 Anderlecht
- Director appointment, EL YAAGOUBI Mohamed Nabil (director (not named in the articles))
- Founder, EL YAAGOUBI Mohamed Nabil
- Founding capital, €2,400, 100 shares
- EL YAAGOUBI Mohamed Nabil holds 100 shares (100%)
- Capital, €2,400, 100 shares
- The deed holds 8 more points.
First establishment d'Aumalestraat 42, Anderlecht
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 10 May 2022, SNEN was incorporated as a private limited company by one natural person, with a starting capital of €2,400.12 EL YAAGOUBI Mohamed Nabil is director of the company, appointed by deed of 12-05-2022.2 Total assets went from €56,732 in 2023 to €323,285 in 2025.3
Company details
Identity
- Enterprise number
- 0785.897.958
- VAT number
- BE 0785.897.958
- Peppol ID
- 0208:0785897958
- Other Peppol ID
- 9925:BE0785897958
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 10-05-2022
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Monday of June at 17:00deed of 12-05-2022 (in French)
- Peppol
- Reachable since 31-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- SNEN in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 12-05-2022 (in French)
Activities
NACEBEL 202586230
Dental practice main activity
Codes under NACEBEL 2008
86230
Human health activities main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “La gestion et l'exploitation d'un ou plusieurs cabinets dentaires,ainsi que toutes activités se rapportant aux prestations de soins…”deed of 12-05-2022 (in French)
13 activities
- La gestion et l'exploitation d'un ou plusieurs cabinets dentaires,ainsi que toutes activités se rapportant aux prestations de soins dentaires en général comprenant notamment la réalisation,la fourniture,et la réparation de prothèses dentaires,l’implantologie,l'orthodontie,la parodontologie,la chirurgie bucco-dentaire,l'occlusodontie,médecine esthétique liée à la profession de dentiste,la médecine dentaire préventive,la radiologie,et toutes autres activités connexes conformément aux règles déontologiques de la profession.
- La détention,l’investissement,la gestion et la valorisation d’actifs immobilier,ceci comprend entre autres et de manière non limitative l’achat,la vente,la location,la construction et la rénovation de biens immobiliers,le tout au sens le plus large,pour autant que n’en soit altéré son caractère civil.
- De réaliser des opérations de promotion immobilière.
- L’exploitation de laboratoires d’analyse de biologie médicale,tous tests médicaux.
- Tout acte utile,nécessaire et/ou indispensable à l'accomplissement de son objet et plus particulièrement toute transaction mobilière et immobilière concernant les locaux médicaux ou paramédicaux,l'achat du matériel médical et non médical,l'engagement du personnel administratif,soignant,pratiquant ou appelé à pratiquer dans la société et sans que cette liste ne soit limitative :
- La location et locationbail de matériel médical et paramédical;
- La location et exploitation de biens immobiliers non résidentiels propres ou loués,sauf terrains;
- La location et exploitation de biens immobiliers résidentiels propres ou loués,sauf logements sociaux;
- La location et locationbail de machines de bureau et de matériel informatique;
- Les services administratifs combinés de bureau;
- Toutes autres activités spécialisées,scientifiques et techniques;
- Photocopie,préparation de documents et autres activités spécialisées de soutien de bureau.
- Consultance,plus particulièrement des conseils juridiques dans tous les domaines.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| d'Aumalestraat 42 registered office 1070 Anderlecht | 10-05-2022 | 2.331.185.261 |
Buildings and parcels at the address
- Ground area
- 113 m²
- Buildings
- 90 m²
- Volume, LiDAR
- 990 m³
- Tallest building
- 16.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21001A0842/00H003 | 113 m² | 1 · 90 m² | 16.6 m · 5 |