SNK BOUWSTUDIES
ActiveSummary
SNK BOUWSTUDIES has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €20k. Equity is shrinking by ~63.4% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 14% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+50
Solvency33▼-15
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
7.7%
Return on assets
51.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 9460 sector peers (2025).
NBB · sector comparisonPosition among 9460 sector peers
Solvency
better than 14%
← weakest
strongest →
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 29-05-2026, 63 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
63 d early
2024
2 d early
2023
12 d late
2022
24 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 33.6%
2024 · €5k
2022: €17k
2023: €11k
2024: €5k
2022 → 2025
Total assets
€39k▲ 97.5%
2024 · €20k
2022: €37k
2023: €31k
2024: €20k
2022 → 2025
Net result
€20k
2024 · €-7k
2022: €16k
2023: €-5k
2024: €-7k
2022 → 2025
Working capital
€-2k▼ 69.2%
2024 · €-958
2022: €-4k
2023: €-3k
2024: €-958
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€17k-€11k▼ 32.3%€5k▼ 60.7%€3k▼ 33.6%
Operating result€21k-€-9k€-7k▲ 26.2%€26k
Net result€16k-€-5k€-7k▼ 27.1%€20k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €26k after a loss of €7k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €39k
Fixed assets
€5k ▼ 11.1%
Current assets
€34k ▲ 143%
Equity and liabilities €39k
Equity
€3k ▼ 33.6%
Debt
€36k ▲ 136%
Debt's share of the balance-sheet total rises from 77.2% to 92.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€27k▲
2024 · €3k
Cash flow
€21k▲
2024 · €3k
Current ratio
0.95▲
2024 · 0.94
Debt to equity
12.06▲
2024 · 3.39
ROE
670.0%▲
2024 · -154.3%
ROA
51.3%▲
2024 · -35.1%
Interest coverage
39.25▼
2024 · 60.16
Debt ≤ 1 year
€36k▲
2024 · €15k
Income taxes
€5k▲
2024 · €290
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€20k€39k▲
Fixed assets21/28€6k€5k▼
Tangible fixed assets22/27€6k€5k▼
Land and buildings22€1k€997▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€3k€3k▲
Current assets29/58€14k€34k▲
Amounts receivable within one year40/41€4k€8k▲
Trade receivables40€4k€7k▲
Other amounts receivable41€13€1k▲
Cash at bank and in hand54/58€7k€20k▲
Deferred charges and accrued income490/1€2k€7k▲
Equity and liabilities
Total equity and liabilities10/49€20k€39k▲
Equity10/15€5k€3k▼
Contributions10/11€3k€3k=
Reserves13€2k-
Distributable reserves133€2k-
Amounts payable17/49€15k€36k▲
Amounts payable within one year42/48€15k€36k▲
Trade debts44€229€932▲
Suppliers440/4€229€932▲
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Remuneration and social security454/9€800-
Other amounts payable47/48€12k€31k▲
Accrued charges and deferred income492/3€395€599▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€927▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€4k€28k▲
Operating profit (loss)9901€-7k€26k▲
Financial income75/76B-€50
Recurring financial income75-€50
Non-recurring financial income76B-€50
Financial charges65/66B€50€685▲
Recurring financial charges65€50€685▲
Profit (loss) for the period before taxes9903€-7k€25k▲
Income taxes67/77€290€5k▲
Profit (loss) for the period9904€-7k€20k▲
Profit (loss) for the period to be appropriated9905€-7k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€20k▲
Transfer from equity791/2€7k€2k▼
Profit to be distributed694/7-€22k
Return on contributions (dividend)694-€22k
The notes to these accounts (7 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €20k
Net result €20k after 2 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Tongeren-Borgloon · 1 establishment unit since 2021
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.
Viséweg 2243700 Tongeren-BorgloonGround area
1,710 m²
Building footprint
204 m²
Volume, LiDAR
1,479 m³
Parcel 73046B0454/00E000, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SNK BOUWSTUDIES
since 20212.322.884.932
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73046B0454/00E000 | Flanders | 1,710 m² | 1 · 204 m² | 10.7 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 827 EUR awarded · 692 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 180 EUR | 180 EUR |
| 2024 | 1 | 162 EUR | 162 EUR |
| 2023 | 1 | 407 EUR | 272 EUR |
| 2022 | 1 | 78 EUR | 78 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,550 companies in sector 71121 we hold annual accounts for 6,563. 1,328 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-10-2021
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.