SNIJKERS LODE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €27k and a net result of €-3k. Equity is shrinking by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 47% of 7980 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
12 d late
2024
9 d early
2023
1 d early
2022
4 d early
2021
20 d early
2020
30 d early
2019
32 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€27k▼ 9.3%
2024 · €29k
2018: €37k
2019: €36k
2020: €34k
2021: €31k
2022: €29k
2023: €32k
2024: €29k
2018 → 2025
Net result
€-3k▼ 8.7%
2024 · €-3k
2018: €-1k
2019: €-1k
2020: €-2k
2021: €-1k
2022: €-2k
2023: €3k
2024: €-3k
2018 → 2025
Total assets
€56k▼ 0.1%
2024 · €56k
2018: €50k
2019: €50k
2020: €50k
2021: €50k
2022: €50k
2023: €57k
2024: €56k
2018 → 2025
Solvency
47.4%▼ 4.8pp
2024 · 52.2%
2018: 74.1%
2019: 71.3%
2020: 68.4%
2021: 62.3%
2022: 58.3%
2023: 56.6%
2024: 52.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€29k▼ 6.5%€32k▲ 9.1%€29k▼ 7.9%€27k▼ 9.3%
Operating result€-993-€-2k▼ 87.5%€3k€-2k€-2k▼ 7.8%
Net result€-1k-€-2k▼ 74.2%€3k€-3k€-3k▼ 8.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €2k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €56k
Fixed assets
€50k=
Current assets
€6k▼ 0.9%
Equity and liabilities €56k
Equity
€27k▼ 9.3%
Debt
€30k▲ 10.0%
The debt ratio rises from 47.8% to 52.6%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
47.4%▼
2024 · 52.2%
ROE
-10.3%▼
2024 · -8.6%
ROA
-4.9%▼
2024 · -4.5%
Debt
€30k▲
2024 · €27k
Debt ≤ 1 year
€30k▲
2024 · €27k
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€56k€56k▼
Fixed assets21/28€50k€50k=
Financial fixed assets28€50k€50k=
Current assets29/58€6k€6k▼
Amounts receivable within one year40/41€6k€6k=
Trade receivables40€6k€6k=
Cash at bank and in hand54/58€147€71▼
Deferred charges and accrued income490/1-€19
Equity and liabilities
Total equity and liabilities10/49€56k€56k▼
Equity10/15€29k€27k▼
Contributions10/11€12k€12k=
Reserves13€1k€1k=
Distributable reserves133€1k€1k=
Profit (loss) carried forward14€16k€13k▼
Amounts payable17/49€27k€30k▲
Amounts payable within one year42/48€27k€30k▲
Trade debts44€381€0▼
Suppliers440/4€381€0▼
Other amounts payable47/48€26k€30k▲
Accrued charges and deferred income492/3€444€29▼
Income statement
Code20242025
Other operating charges640/8€576€527▼
Gross operating margin9900€-1k€-2k▼
Operating profit (loss)9901€-2k€-2k▼
Financial charges65/66B€603€671▲
Recurring financial charges65€603€671▲
Profit (loss) for the period before taxes9903€-3k€-3k▼
Profit (loss) for the period9904€-3k€-3k▼
Profit (loss) for the period to be appropriated9905€-3k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€13k▼
Profit (loss) brought forward from the previous period14P€18k€16k▼
The notes to these accounts (5 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after 5 loss-making years.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 32 days late
2019
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 50 days late
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, Genk · 1 establishment unit since 2013
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.
Weg naar As 2343600 GenkGround area
517 m²
Building footprint
200 m²
Volume, LiDAR
1,009 m³
Parcel 71303B0051/00N003, Flanders · tallest building 9.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Snijkers Lode
since 20132.221.671.964
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71303B0051/00N003 | Flanders | 517 m² | 1 · 200 m² | 9.7 m · 1 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.
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 8,411 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-08-2013
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.