SNIJERS
ActiveSNIJERS has been active since 1977 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €100k and a net result of €12k. Equity is growing by ~18.2% per year across the filed fiscal years. Its solvency ranks better than 94% of 26048 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability65▼-2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 9.45 against 7.7 in 2023; short-term debt: 10.5% and cash: 73.5% of total assets), and 10.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-07-2025, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
30 d early
2023
23 d early
2022
35 d early
2021
47 d early
2020
18 d early
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€100k▲ 14.2%
2023 · €87k
2018: €24k
2019: €45k
2020: €56k
2021: €64k
2022: €75k
2023: €87k
2018 → 2024
Total assets
€112k▲ 11.2%
2023 · €100k
2018: €34k
2019: €68k
2020: €81k
2021: €74k
2022: €88k
2023: €100k
2018 → 2024
Net result
€12k▲ 3.6%
2023 · €12k
2018: €19k
2019: €21k
2020: €11k
2021: €8k
2022: €11k
2023: €12k
2018 → 2024
Working capital
€99k▲ 14.4%
2023 · €87k
2018: €23k
2019: €44k
2020: €55k
2021: €63k
2022: €75k
2023: €87k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€56k-€64k▲ 14.3%€75k▲ 17.7%€87k▲ 15.9%€100k▲ 14.2%
Operating result€14k-€10k▼ 28.3%€16k▲ 62.8%€19k▲ 16.7%€19k▲ 1.7%
Net result€11k-€8k▼ 27.4%€11k▲ 41.7%€12k▲ 5.5%€12k▲ 3.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 2% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €112k
Fixed assets
€908=
Current assets
€111k▲ 11.3%
Equity and liabilities €112k
Equity
€100k▲ 14.2%
Debt
€12k▼ 9.3%
The debt ratio falls from 12.9% to 10.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
89.5%▲
2023 · 87.1%
Current ratio
9.45▲
2023 · 7.70
Quick ratio
8.53▲
2023 · 6.97
Debt / equity
0.12▼
2023 · 0.15
ROE
12.4%▼
2023 · 13.7%
ROA
11.1%▼
2023 · 11.9%
Debt
€12k▼
2023 · €13k
Debt ≤ 1 year
€12k▼
2023 · €13k
Income taxes
€7k▼
2023 · €7k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€100k€112k▲
Fixed assets21/28€908€908=
Financial fixed assets28€908€908=
Current assets29/58€99k€111k▲
Stocks and contracts in progress3€9k€11k▲
Stocks30/36€9k€11k▲
Amounts receivable within one year40/41€19k€18k▼
Trade receivables40€10k€9k▼
Other amounts receivable41€10k€9k▼
Cash at bank and in hand54/58€69k€82k▲
Deferred charges and accrued income490/1€1k€0▼
Equity and liabilities
Total equity and liabilities10/49€100k€112k▲
Equity10/15€87k€100k▲
Contributions10/11€26k€26k=
Reserves13€61k€73k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€61k€73k▲
Amounts payable17/49€13k€12k▼
Amounts payable within one year42/48€13k€12k▼
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€11k€8k▼
Taxes450/3€11k€8k▼
Income statement
Code20232024
Other operating charges640/8€1k€1k▲
Gross operating margin9900€20k€20k▲
Operating profit (loss)9901€19k€19k▲
Financial income75/76B€649€534▼
Recurring financial income75€649€534▼
Financial charges65/66B€619€388▼
Recurring financial charges65€619€388▼
Profit (loss) for the period before taxes9903€19k€19k▲
Income taxes67/77€7k€7k▼
Profit (loss) for the period9904€12k€12k▲
Profit (loss) for the period to be appropriated9905€12k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€12k▲
Transfer to equity691/2€12k€12k▲
To other reserves6921€12k€12k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €8k ▼27.4%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 7.22
Current ratio from 3.21 to 7.22; short-term debt falls from €25k to €10k.
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Highest result since 2018net €21k ▲12.5%
Operating result €24k, net result €21k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
31-05
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Sint-Niklaas · 1 establishment unit since 1977
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.
Eduard Prissestraat 629100 Sint-NiklaasGround area
428 m²
Building footprint
78 m²
Volume, LiDAR
539 m³
Parcel 46447B0704/00F000, Flanders · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SMART HOME CONCEPTS
since 19772.014.007.238
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46447B0704/00F000 | Flanders | 428 m² | 1 · 78 m² | 10.2 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.
Similar companies · same sector, comparable size
BRASPENNINCX
BE 0425.564.536
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De Clercq A&C
BE 0555.714.384
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LEVEAUX-MS
BE 0817.600.231
Theux · Eq €101k
LABAIRTEC
BE 0807.647.437
Landen · Eq €99k
Martine Jacobs
BE 0477.962.352
Boechout · Eq €101k
Of 4,246 companies in sector 47789 we hold annual accounts for 1,021. 820 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-09-1977
Fiscal year end31-12
Activities, NACEBEL
47789Other retail sale of new goods
43222Installation of electric heating, air conditioning, cooling and ventilation
46648Wholesale trade
52740
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 47 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.