SNOWBALL
ActiveSNOWBALL has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.17M and a net result of €596k. Equity is growing by ~23% per year across the filed fiscal years. Its solvency ranks better than 75% of 8636 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▼-4
Solvency100▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €210k at 30 days acceptable
Liquidity ample (current ratio 32.09 against 5.38 in 2024; short-term debt: 1.9% and cash: 49.6% of total assets), and 20.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
79.8%
Return on assets
21.8%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
31 d early
2024
15 d late
2023
49 d early
2022
23 d late
2021
1 d early
2020
26 d late
2019
87 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.17M▲ 37.7%
2024 · €1.58M
2018: €302k
2019: €370k
2020: €687k
2021: €1.09M
2022: €1.52M
2023: €2.18M
2024: €1.58M
2018 → 2025
Total assets
€2.73M▲ 17.3%
2024 · €2.33M
2018: €457k
2019: €575k
2020: €935k
2021: €1.36M
2022: €1.90M
2023: €2.79M
2024: €2.33M
2018 → 2025
Net result
€596k▼ 14.4%
2024 · €696k
2018: €170k
2019: €148k
2020: €360k
2021: €399k
2022: €530k
2023: €664k
2024: €696k
2018 → 2025
Working capital
€1.59M▲ 63.4%
2024 · €971k
2018: €284k
2019: €343k
2020: €540k
2021: €792k
2022: €1.01M
2023: €1.56M
2024: €971k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.09M-€1.52M▲ 39.8%€2.18M▲ 43.7%€1.58M▼ 27.7%€2.17M▲ 37.7%
Operating result€516k-€715k▲ 38.6%€896k▲ 25.4%€945k▲ 5.4%€809k▼ 14.4%
Net result€399k-€530k▲ 32.7%€664k▲ 25.3%€696k▲ 4.8%€596k▼ 14.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.73M
Fixed assets
€1.09M▼ 3.8%
Current assets
€1.64M▲ 37.3%
Equity and liabilities €2.73M
Equity
€2.17M▲ 37.7%
Debt
€552k▼ 26.0%
The debt ratio falls from 32.1% to 20.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€866k▼
2024 · €1.00M
Cash flow
€653k▼
2024 · €752k
Solvency
79.8%▲
2024 · 67.9%
Current ratio
32.09▲
2024 · 5.38
Quick ratio
32.09▲
2024 · 5.38
Debt / equity
0.25▼
2024 · 0.47
ROE
27.4%▼
2024 · 44.1%
ROA
21.8%▼
2024 · 29.9%
Interest coverage
30.04▼
2024 · 44.22
Debt
€552k▼
2024 · €746k
Debt ≤ 1 year
€51k▼
2024 · €222k
Debt > 1 year
€497k▼
2024 · €524k
Income taxes
€193k▼
2024 · €250k
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€2.33M€2.73M▲
Fixed assets21/28€1.13M€1.09M▼
Tangible fixed assets22/27€1.03M€990k▼
Land and buildings22€993k€963k▼
Plant, machinery and equipment23€4k€6k▲
Furniture and vehicles24€36k€22k▼
Financial fixed assets28€100k€100k=
Current assets29/58€1.19M€1.64M▲
Amounts receivable within one year40/41€270k€273k▲
Trade receivables40€26k€30k▲
Other amounts receivable41€244k€243k▼
Current investments50/53€95k€0▼
Cash at bank and in hand54/58€823k€1.35M▲
Deferred charges and accrued income490/1€4k€10k▲
Equity and liabilities
Total equity and liabilities10/49€2.33M€2.73M▲
Equity10/15€1.58M€2.17M▲
Contributions10/11€19k€19k=
Reserves13€1.56M€2.16M▲
Distributable reserves133€1.56M€2.16M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€746k€552k▼
Amounts payable after more than one year17€524k€497k▼
Financial debts170/4€524k€497k▼
Amounts payable within one year42/48€222k€51k▼
Current portion of amounts payable after more than one year42€26k€27k▲
Financial debts43€556€5k▲
Credit institutions430/8€556€5k▲
Trade debts44€20k€3k▼
Suppliers440/4€20k€3k▼
Advances received on contracts in progress46€465€0▼
Taxes, remuneration and social security45€10k€17k▲
Taxes450/3€10k€17k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€165k€0▼
Accrued charges and deferred income492/3€484€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€57k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€310
Other operating charges640/8€1k€2k▲
Gross operating margin9900€1.00M€868k▼
Operating profit (loss)9901€945k€809k▼
Financial income75/76B€24k€9k▼
Recurring financial income75€24k€9k▼
Financial charges65/66B€23k€29k▲
Recurring financial charges65€23k€29k▲
Profit (loss) for the period before taxes9903€946k€789k▼
Income taxes67/77€250k€193k▼
Profit (loss) for the period9904€696k€596k▼
Profit (loss) for the period to be appropriated9905€696k€596k▼
Appropriation of the result
Profit (loss) to be appropriated9906€696k€596k▼
Transfer from equity791/2€1.30M€0▼
Transfer to equity691/2€696k€596k▼
To other reserves6921€696k€596k▼
Profit to be distributed694/7€1.30M€0▼
Return on contributions (dividend)694€1.30M€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (20 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity times 6current ratio 32.09
Current ratio from 5.38 to 32.09; short-term debt falls from €222k to €51k.
31-12
Financial
Equity above €2MEq €2.17M ▲37.7%
8 profitable years in a row build equity to €2.17M.
15-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 15 days late
2024
31-12
Financial
Highest result since 2018net €696k ▲4.8%
Operating result €945k, net result €696k, both a record.
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 29.56
Current ratio from 7.91 to 29.56; short-term debt falls from €147k to €55k.
31-12
Financial
Equity above €2MEq €2.18M ▲43.7%
6 profitable years in a row build equity to €2.18M.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity times 5current ratio 27.32
Current ratio from 5.55 to 27.32; short-term debt falls from €119k to €30k.
31-12
Financial
Equity above €1MEq €1.09M ▲58.1%
4 profitable years in a row build equity to €1.09M.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Equity above €500kEq €687k ▲85.5%
3 profitable years in a row build equity to €687k.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
31-12
Financial
Weakest financial yearnet €148k ▼12.7%
Net result drops to €148k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Boutersem · 1 establishment unit since 2016
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.
Pastoriestraat 33370 BoutersemGround area
1,236 m²
Building footprint
124 m²
Volume, LiDAR
810 m³
Parcel 24093A0203/00P000, Flanders · tallest building 15.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Snowball
since 20162.253.476.086
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24093A0203/00P000 | Flanders | 1,236 m² | 1 · 124 m² | 15.9 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 · 1 entry · 1,800 EUR awarded · 1,800 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 1,800 EUR | 1,800 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteBoutersem2.253.476.086
Legal Entity Identifier
699400YP7M9BXMJ2J597
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Of 5,696 companies in sector 70100 we hold annual accounts for 3,489. 1,550 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-05-2016
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
55204Guest rooms (bed and breakfast)
62020IT consultancy
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.