TOM SNELS
ActiveThe computed 12-month bankruptcy probability of TOM SNELS is 1.5% (moderate). The annual accounts of TOM SNELS for fiscal year 2025 show a net loss of 805% of total assets and of 90% of the equity at the start of that year. The 2025 annual accounts show equity of €631 and a net result of €-6k. Equity is shrinking by ~13.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 95% of 7778 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100▲+36
Growth32=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
balance sheet total too small for a liquidity verdict.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 2025Age of the figures
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-6k
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
7 d late
2023
29 d late
2022
10 d late
2021
9 d late
2020
24 d late
2019
12 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€631▼ 89.9%
2024 · €6k
2018: €26k
2019: €26k
2020: €26k
2021: €28k
2022: €29k
2023: €16k
2024: €6k
2018 → 2025
Total assets
€699▼ 95.7%
2024 · €16k
2018: €47k
2019: €59k
2020: €87k
2021: €81k
2022: €77k
2023: €48k
2024: €16k
2018 → 2025
Net result
€-6k▲ 40.7%
2024 · €-9k
2018: €-2k
2019: €-129
2020: €574
2021: €2k
2022: €367
2023: €-13k
2024: €-9k
2018 → 2025
Working capital
€631▼ 76.0%
2024 · €3k
2018: €13k
2019: €13k
2020: €6k
2021: €8k
2022: €8k
2023: €-2k
2024: €3k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€29k▲ 1.3%€16k▼ 45.4%€6k▼ 60.3%€631▼ 89.9%
Operating result€4k-€2k▼ 40.6%€-12k€-8k▲ 30.3%€-5k▲ 33.8%
Net result€2k-€367▼ 81.9%€-13k€-9k▲ 27.5%€-6k▲ 40.7%
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 stays negative: a loss of €5k in 2025 against €8k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €699
Equity
€631▼ 89.9%
Debt
€69▼ 99.3%
The debt ratio falls from 61.1% to 9.8%. Equity and debt are lower.
Key figures and ratios
Debt
€69▼
2024 · €10k
Debt ≤ 1 year
€69▼
2024 · €10k
Income taxes
€110▼
2024 · €215
Ratios withheld: a balance sheet total of €699 is too small for a meaningful ratio.
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€16k€699▼
Fixed assets21/28€4k-
Tangible fixed assets22/27€4k-
Plant, machinery and equipment23€2k-
Furniture and vehicles24€2k-
Current assets29/58€12k€699▼
Amounts receivable within one year40/41€6k€34▼
Trade receivables40€6k-
Other amounts receivable41-€34
Cash at bank and in hand54/58€7k€665▼
Equity and liabilities
Total equity and liabilities10/49€16k€699▼
Equity10/15€6k€631▼
Contributions10/11€12k€12k=
Outside capital11€12k€12k=
Other1109/19€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-8k€-14k▼
Amounts payable17/49€10k€69▼
Amounts payable within one year42/48€10k€69▼
Trade debts44€1k-
Suppliers440/4€1k-
Taxes, remuneration and social security45€2k-
Taxes450/3€2k-
Other amounts payable47/48€7k€69▼
Income statement
Code20242025
Non-recurring operating income76A€4k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k-
Other operating charges640/8€901€620▼
Non-recurring operating charges66A-€3k
Gross operating margin9900€-5k€-2k▲
Operating profit (loss)9901€-8k€-5k▲
Financial charges65/66B€1k€130▼
Recurring financial charges65€1k€130▼
Profit (loss) for the period before taxes9903€-9k€-6k▲
Income taxes67/77€215€110▼
Profit (loss) for the period9904€-9k€-6k▲
Profit (loss) for the period to be appropriated9905€-9k€-6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-14k▼
Profit (loss) brought forward from the previous period14P-€-8k
Transfer from equity791/2€1k-
The notes to these accounts (4 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity times 8current ratio 10.19
Current ratio from 1.27 to 10.19; short-term debt falls from €10k to €69.
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-13k ▼3667%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
31-12
Financial
Highest result since 2018net €2k ▲253%
Operating result €4k, net result €2k, both a record.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 24 days late
2020
31-12
Financial
Back to profitnet €574
Net result €574 after 2 loss-making years.
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 12 days late
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Rijkevorsel · 1 establishment unit since 2014
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.
Gammel 222310 RijkevorselGround area
881 m²
Building footprint
157 m²
Volume, LiDAR
776 m³
Parcel 13037H0192/00N002, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Snels Projects
since 20142.233.576.240
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13037H0192/00N002 | Flanders | 881 m² | 1 · 157 m² | 11.0 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
2023 to 2024 · 2 entries · 1,155 EUR awarded · 1,250 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 108 EUR | 108 EUR |
| 2023 | 1 | 1,047 EUR | 1,142 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,137. 534 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-07-2014
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.