SNV
ActiveSNV has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €298k and a net result of €40k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 58% of 13936 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+2
Solvency65▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 2.59 against 2.23 in 2024; short-term debt: 7.5% and cash: 2.2% of total assets), but 60% 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 68
Relative position
BE, all sectors
reference
Sector 68
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
40%
Return on assets
5.4%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 23-10-2025, 8 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
8 d early
2024
2 d early
2023
5 d early
2022
2 d late
2021
3 d early
2020
9 d early
2019
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close17-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€298k▲ 7.1%
2024 · €278k
2019: €188k
2020: €271k
2021: €273k
2022: €254k
2023: €271k
2024: €278k
2019 → 2025
Total assets
€745k▼ 0.2%
2024 · €746k
2019: €242k
2020: €311k
2021: €683k
2022: €791k
2023: €738k
2024: €746k
2019 → 2025
Net result
€40k▲ 46.0%
2024 · €27k
2019: €57k
2020: €83k
2021: €20k
2022: €-19k
2023: €17k
2024: €27k
2019 → 2025
Working capital
€89k▲ 29.8%
2024 · €68k
2019: €116k
2020: €258k
2021: €69k
2022: €73k
2023: €65k
2024: €68k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€273k-€254k▼ 7.0%€271k▲ 6.8%€278k▲ 2.7%€298k▲ 7.1%
Operating result€20k-€-12k€25k€35k▲ 40.1%€50k▲ 43.4%
Net result€20k-€-19k€17k€27k▲ 58.2%€40k▲ 46.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 43% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €745k
Fixed assets
€601k▼ 3.5%
Current assets
€144k▲ 16.6%
Equity and liabilities €745k
Equity
€298k▲ 7.1%
Debt
€447k▼ 4.5%
The debt ratio falls from 62.7% to 60.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€73k▲
2024 · €58k
Cash flow
€63k▲
2024 · €50k
Solvency
40.0%▲
2024 · 37.3%
Current ratio
2.59▲
2024 · 2.23
Quick ratio
2.59▲
2024 · 2.23
Debt / equity
1.50▼
2024 · 1.68
ROE
13.4%▲
2024 · 9.8%
ROA
5.4%▲
2024 · 3.7%
Interest coverage
11.07▲
2024 · 8.31
Debt
€447k▼
2024 · €468k
Debt ≤ 1 year
€56k▲
2024 · €55k
Debt > 1 year
€391k▼
2024 · €412k
Income taxes
€6k▲
2024 · €3k
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€746k€745k▼
Fixed assets21/28€623k€601k▼
Tangible fixed assets22/27€623k€601k▼
Land and buildings22€611k€594k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€10k€6k▼
Current assets29/58€124k€144k▲
Amounts receivable after more than one year29€95k€115k▲
Other amounts receivable291€95k€115k▲
Amounts receivable within one year40/41€12k€11k▼
Trade receivables40€12k€11k▼
Cash at bank and in hand54/58€16k€17k▲
Deferred charges and accrued income490/1€1k€1k=
Equity and liabilities
Total equity and liabilities10/49€746k€745k▼
Equity10/15€278k€298k▲
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€256k€276k▲
Amounts payable17/49€468k€447k▼
Amounts payable after more than one year17€412k€391k▼
Financial debts170/4€412k€391k▼
Amounts payable within one year42/48€55k€56k▲
Current portion of amounts payable after more than one year42€21k€21k▲
Trade debts44€847€1k▲
Suppliers440/4€847€1k▲
Taxes, remuneration and social security45€11k€11k▼
Taxes450/3€11k€11k▼
Other amounts payable47/48€22k€22k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€23k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€59k€74k▲
Operating profit (loss)9901€35k€50k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€7k€7k▼
Recurring financial charges65€7k€7k▼
Profit (loss) for the period before taxes9903€30k€46k▲
Income taxes67/77€3k€6k▲
Profit (loss) for the period9904€27k€40k▲
Profit (loss) for the period to be appropriated9905€27k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€276k€296k▲
Profit (loss) brought forward from the previous period14P€249k€256k▲
Profit to be distributed694/7€20k€20k=
Directors or managers695€20k€20k=
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
2025
23-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
2022
02-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
31-03
Financial
Weakest financial yearnet €-19k ▼199%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
22-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Highest result since 2019net €83k ▲45.4%
Operating result €104k, net result €83k, both a record.
31-03
Financial
Equity above €200kEq €271k ▲43.9%
2 profitable years in a row build equity to €271k.
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
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, Kasterlee · 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.
Torfbergen 72460 KasterleeGround area
485 m²
Building footprint
150 m²
Volume, LiDAR
934 m³
Parcel 13017G0115/00H002, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SNV
since 20162.254.849.231
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13017G0115/00H002 | Flanders | 485 m² | 1 · 150 m² | 10.1 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.
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ASH INVEST
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WOONQUALITY
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,380. 3,851 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-2016
Fiscal year end31-03
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.