Summary
SnowFlock 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 €154,641 and a net result of -€30,117. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 70% of 5593 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
27 d early
2023
26 d early
2022
34 d early
2021
34 d early
2020
39 d early
2019
28 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 34 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 27 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€154,641▼ 16.3%
2024 · €184,758
Net result
-€30,117
2024 · €451
Total assets
€210,547▼ 36.2%
2024 · €330,068
Solvency
73.4%▲ 17.5pp
2024 · 56.0%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€76,108▲ 37,765%-€8,106€21,675€19,655▼ 9.3%-€25,339
Net result€55,658within the sector's middle half-€10,314below the sector's middle half€11,964within the sector's middle half€451below the sector's middle half▼ 96.2%-€30,117below the sector's middle half
Equity€182,656within the sector's middle half▲ 43.8%€172,342within the sector's middle half▼ 5.6%€184,307within the sector's middle half▲ 6.9%€184,758below the sector's middle half▲ 0.2%€154,641below the sector's middle half▼ 16.3%
Total assets€298,550below the sector's middle half▼ 18.0%€491,340below the sector's middle half▲ 64.6%€502,433below the sector's middle half▲ 2.3%€330,068below the sector's middle half▼ 34.3%€210,547below the sector's middle half▼ 36.2%
Debt€115,894▼ 51.1%€318,997▲ 175%€318,127▼ 0.3%€145,310▼ 54.3%€55,906▼ 61.5%
Working capital€12,817within the sector's middle half▼ 84.8%-€23,741within the sector's middle half-€25,050within the sector's middle half▼ 5.5%-€15,551within the sector's middle half▲ 37.9%-€35,966within the sector's middle half▼ 131%
Solvency61.2%within the sector's middle half▲ 26.3pp35.1%within the sector's middle half▼ 26.1pp36.7%within the sector's middle half▲ 1.6pp56.0%within the sector's middle half▲ 19.3pp73.4%within the sector's middle half▲ 17.5pp
Current ratio1.22within the sector's middle half▼ 1.930.90within the sector's middle half▼ 0.320.91within the sector's middle half▲ 0.010.88within the sector's middle half▼ 0.030.36within the sector's middle half▼ 0.52
Return on assets (ROA)18.6%above the sector's middle half▲ 18.8pp-2.1%below the sector's middle half▼ 20.7pp2.4%within the sector's middle half▲ 4.5pp0.1%below the sector's middle half▼ 2.2pp-14.3%below the sector's middle half▼ 14.4pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €25,339 after €19,655 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €210,547
Fixed assets
€190,608 ▼ 12.8%
Current assets
€19,940 ▼ 82.1%
Equity and liabilities €210,547
Equity
€154,641 ▼ 16.3%
Debt
€55,906 ▼ 61.5%
Debt's share of the balance-sheet total falls from 44.0% to 26.6%. Equity and debt are lower.
Key figures and ratios
ROE
-19.5%▼
2024 · 0.2%
Debt ≤ 1 year
€55,906▼
2024 · €126,992
Income taxes
€160▼
2024 · €4,850
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15,276 | €21,129 | €32,951 | €29,621 | €29,246 | ▼ 1.3% |
| Other operating charges640/8 | €3,267 | €4,715 | €4,513 | €4,372 | €4,277 | ▼ 2.2% |
| Gross operating margin9900 | €94,651 | €17,738 | €59,139 | €53,649 | €8,184 | ▼ 84.7% |
| Operating profit (loss)9901 | €76,108 | -€8,106 | €21,675 | €19,655 | -€25,339 | ▼ 229% |
| Financial income75/76B | €386 | €279 | €10 | €262 | €110 | ▼ 58.0% |
| Recurring financial income75 | €386 | €279 | €10 | €262 | €110 | ▼ 58.0% |
| Financial charges65/66B | €1,835 | €2,081 | €3,471 | €14,616 | €4,727 | ▼ 67.7% |
| Recurring financial charges65 | €1,835 | €2,081 | €3,471 | €14,616 | €4,727 | ▼ 67.7% |
| Profit (loss) for the period before taxes9903 | €74,659 | -€9,908 | €18,214 | €5,301 | -€29,956 | ▼ 665% |
| Income taxes67/77 | €19,001 | €406 | €6,249 | €4,850 | €160 | ▼ 96.7% |
| Profit (loss) for the period9904 | €55,658 | -€10,314 | €11,964 | €451 | -€30,117 | ▼ 6,775% |
| Profit (loss) for the period to be appropriated9905 | €55,658 | -€10,314 | €11,964 | €451 | -€30,117 | ▼ 6,775% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €298,550 | €491,340 | €502,433 | €330,068 | €210,547 | ▼ 36.2% |
| Fixed assets21/28 | €227,606 | €268,449 | €246,705 | €218,627 | €190,608 | ▼ 12.8% |
| Tangible fixed assets22/27 | €227,606 | €268,449 | €246,705 | €218,627 | €190,608 | ▼ 12.8% |
| Land and buildings22 | €213,840 | €203,940 | €196,371 | €185,431 | €174,492 | ▼ 5.9% |
| Plant, machinery and equipment23 | - | - | €7,345 | €5,546 | €4,147 | ▼ 25.2% |
| Furniture and vehicles24 | €2,318 | €57,777 | €42,989 | €27,650 | €11,969 | ▼ 56.7% |
| Other tangible fixed assets26 | €11,448 | €6,732 | - | - | - | - |
| Current assets29/58 | €70,944 | €222,891 | €255,728 | €111,441 | €19,940 | ▼ 82.1% |
| Amounts receivable within one year40/41 | €45,447 | €189,071 | €251,809 | €91,308 | €11,433 | ▼ 87.5% |
| Trade receivables40 | €21,508 | €181,500 | €244,301 | €83,808 | - | - |
| Other amounts receivable41 | €23,939 | €7,571 | €7,508 | €7,500 | €11,433 | ▲ 52.4% |
| Cash at bank and in hand54/58 | €23,715 | €30,907 | €2,570 | €18,420 | €6,455 | ▼ 65.0% |
| Deferred charges and accrued income490/1 | €1,781 | €2,913 | €1,350 | €1,713 | €2,052 | ▲ 19.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €298,550 | €491,340 | €502,433 | €330,068 | €210,547 | ▼ 36.2% |
| Equity10/15 | €182,656 | €172,342 | €184,307 | €184,758 | €154,641 | ▼ 16.3% |
| Contributions10/11 | €12,400 | €12,400 | €14,260 | €14,260 | €14,260 | = |
| Reserves13 | €176,364 | €176,364 | €174,504 | €174,504 | €174,504 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €174,504 | €174,504 | €174,504 | €174,504 | €174,504 | = |
| Profit (loss) carried forward14 | -€6,108 | -€16,421 | -€4,457 | -€4,006 | -€34,122 | ▼ 752% |
| Amounts payable17/49 | €115,894 | €318,997 | €318,127 | €145,310 | €55,906 | ▼ 61.5% |
| Amounts payable after more than one year17 | €57,767 | €72,365 | €37,329 | €16,169 | - | - |
| Financial debts170/4 | €57,767 | €72,365 | €37,329 | €16,169 | - | - |
| Amounts payable within one year42/48 | €58,127 | €246,632 | €280,778 | €126,992 | €55,906 | ▼ 56.0% |
| Current portion of amounts payable after more than one year42 | €22,519 | €35,613 | €35,036 | €21,160 | €16,169 | ▼ 23.6% |
| Financial debts43 | - | - | - | €13 | - | - |
| Credit institutions430/8 | - | - | - | €13 | - | - |
| Trade debts44 | €1,723 | €6,573 | €11,114 | €12,027 | €16,158 | ▲ 34.4% |
| Suppliers440/4 | €1,723 | €6,573 | €11,114 | €12,027 | €16,158 | ▲ 34.4% |
| Taxes, remuneration and social security45 | €33,799 | €29,926 | €13,064 | €20,088 | €5,953 | ▼ 70.4% |
| Taxes450/3 | €33,799 | €29,926 | €13,064 | €20,088 | €5,953 | ▼ 70.4% |
| Other amounts payable47/48 | €86 | €174,520 | €221,563 | €73,705 | €17,626 | ▼ 76.1% |
| Accrued charges and deferred income492/3 | - | - | €20 | €2,149 | €1 | ▼ 100.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €55,658 | -€10,314 | €11,964 | €451 | -€30,117 | ▼ 6,775% |
| + Depreciation and write-downs630 | €15,276 | €21,129 | €32,951 | €29,621 | €29,246 | ▼ 1.3% |
| Operating cash flow (approximation) | €70,934 | €10,815 | €44,916 | €30,073 | -€870 | ▼ 103% |
| Investment in fixed assets (approximation) | - | -€61,971 | -€11,208 | -€1,543 | -€1,227 | ▲ 20.5% |
| Change in cash | - | €7,192 | -€28,338 | €15,850 | -€11,965 | ▼ 175% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
14-01
State Gazette act
General meeting · Merger
Dissolution · Director resignation
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €11,964
Net result €11,964 after one loss-making year.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €55,658
Net result €55,658 after 2 loss-making years.
31-12
Financial
Equity above €150,000Eq €182,656 ▲43.8%
Equity rises from €126,998 to €182,656.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet -€61,088
Net result drops to -€61,088, the lowest in the series; recovery starts the following year.
Show earlier events
31-12
Financial
Liquidity doublescurrent ratio 5.23
Current ratio from 2.55 to 5.23; short-term debt falls from €66,199 to €39,206.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Herentals · 1 establishment unit since 2011
Ground area
285 m²
Building footprint
285 m²
Volume, LiDAR
2,064 m³
Parcel 13302C0608/00E000, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SnowFlock
since 20112.196.917.366
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13302C0608/00E000 | Flanders | 285 m² | 1 · 285 m² | 12.3 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 24,728 companies in sector 64210 we hold annual accounts for 19,805. 13,296 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-03-2011
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0834380835
Registered
06-01-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.