SNS CONCEPT
ActiveSNS CONCEPT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-11k) and a net result of €26k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 142 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency15▲+15
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.79 against 0.57 in 2024; short-term debt: 110.3% and cash: 0% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-10.3%
Return on assets
25.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 16
Relative position
BE, all sectors
reference
Sector 16
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 142 sector peers (2025).
NBB · sector comparisonPosition among 142 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
30 d late
2024
27 d late
2023
28 d early
2022
34 d early
2021
4 d early
2020
31 d early
2019
95 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€26k
2024 · €-70k
2018: €30k
2019: €23k
2020: €-17k
2021: €13k
2022: €4k
2023: €24k
2024: €-70k
2018 → 2025
Working capital
€-24k▲ 57.7%
2024 · €-56k
2018: €868
2019: €993
2020: €-8k
2021: €4k
2022: €8k
2023: €25k
2024: €-56k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€9k▲ 84.6%€33k▲ 253%€-37k€-11k▲ 71.3%
Operating result€21k-€8k▼ 63.0%€33k▲ 332%€-69k€38k
Net result€13k-€4k▼ 67.4%€24k▲ 452%€-70k€26k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €38k after a loss of €69k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €102k
Fixed assets
€13k▼ 32.2%
Current assets
€89k▲ 17.8%
Key figures and ratios
EBITDA
€44k▲
2024 · €-63k
Cash flow
€32k▲
2024 · €-64k
Solvency
-10.3%▲
2024 · -38.6%
Current ratio
0.79▲
2024 · 0.57
Quick ratio
0.79▲
2024 · 0.57
Debt / equity
-10.70▼
2024 · -3.59
ROA
25.6%▲
2024 · -73.4%
Interest coverage
210.44▲
2024 · -313.95
Debt
€113k▼
2024 · €132k
Debt ≤ 1 year
€113k▼
2024 · €132k
Income taxes
€12k▲
2024 · €842
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€95k€102k▲
Fixed assets21/28€20k€13k▼
Tangible fixed assets22/27€20k€13k▼
Furniture and vehicles24€20k€13k▼
Current assets29/58€76k€89k▲
Amounts receivable within one year40/41€66k€89k▲
Trade receivables40€65k€88k▲
Other amounts receivable41€1k€1k▲
Cash at bank and in hand54/58€9k€1▼
Equity and liabilities
Total equity and liabilities10/49€95k€102k▲
Equity10/15€-37k€-11k▲
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€-45k€-19k▲
Amounts payable17/49€132k€113k▼
Amounts payable within one year42/48€132k€113k▼
Trade debts44€7k€4k▼
Suppliers440/4€7k€4k▼
Taxes, remuneration and social security45€1k€1k=
Remuneration and social security454/9€1k€1k=
Other amounts payable47/48€124k€107k▼
Income statement
Code20242025
Remuneration, social security and pensions62€27k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8€8k€23▼
Gross operating margin9900€-28k€44k▲
Operating profit (loss)9901€-69k€38k▲
Financial charges65/66B€202€210▲
Recurring financial charges65€202€210▲
Profit (loss) for the period before taxes9903€-69k€38k▲
Income taxes67/77€842€12k▲
Profit (loss) for the period9904€-70k€26k▲
Profit (loss) for the period to be appropriated9905€-70k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-45k€-19k▲
Profit (loss) brought forward from the previous period14P€25k€-45k▼
The notes to these accounts (3 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 30 days late
2025
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet €-70k ▼394%
Net result drops to €-70k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
03-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 95 days late
28-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 212 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 61 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, Grimbergen · 1 establishment unit since 2017
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.
Otto de Mentockplein 71853 GrimbergenGround area
131 m²
Building footprint
83 m²
Volume, LiDAR
828 m³
Parcel 23084A0409/00K003, Flanders · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SNS CONCEPT
since 20172.264.715.418
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23084A0409/00K003 | Flanders | 131 m² | 1 · 83 m² | 12.8 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
CLAES KOEN INTERIEURWERKEN
BE 0756.848.339
Oudsbergen · Eq €33k
SCHEPERS CONSTRUCT
BE 0769.367.574
Aalter · Eq €33k
RHOMI
BE 0479.907.401
Bredene · Eq €33k
VA THERM CHÂSSIS
BE 0800.458.450
Profondeville · Eq €33k
SEEVENS
BE 0698.638.738
Pelt · Eq €33k
Of 1,600 companies in sector 16230 we hold annual accounts for 782. 519 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-03-2017
Fiscal year end31-12
Activities, NACEBEL
16230Manufacture of other builders' carpentry and joinery
24100Manufacture of basic metals
25110Manufacture of metal structures and parts of structures
25530Machining of metals
43211General electrical installation work
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.