Tuincenter Snaet
ActiveThe computed 12-month bankruptcy probability of Tuincenter Snaet is 2.1% (moderate). The 2025 annual accounts show equity of €33k and a net result of €86k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 4462 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
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
Profitability89▼-8
Solvency31▼-46
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.2 against 4.69 in 2024; short-term debt: 73% and cash: 13.2% of total assets), and 94% of the assets are financed with debt.
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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← 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
6%
Return on assets
15.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 4462 sector peers (2025).
NBB · sector comparisonPosition among 4462 sector peers
Solvency
better than 16%
← weakest
strongest →
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 15-07-2026, 16 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
16 d early
2024
on the day
2023
31 d late
2022
71 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, micro schema
Equity
€33k▼ 86.7%
2024 · €246k
2022: €99k
2023: €148k
2024: €246k
2022 → 2025
Total assets
€543k▲ 15.3%
2024 · €471k
2022: €288k
2023: €320k
2024: €471k
2022 → 2025
Net result
€86k▼ 18.1%
2024 · €106k
2022: €79k
2023: €49k
2024: €106k
2022 → 2025
Working capital
€78k▼ 76.8%
2024 · €339k
2022: €173k
2023: €190k
2024: €339k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€99k-€148k▲ 49.2%€246k▲ 66.1%€33k▼ 86.7%
Operating result€100k-€60k▼ 40.3%€132k▲ 121%€109k▼ 17.7%
Net result€79k-€49k▼ 38.3%€106k▲ 116%€86k▼ 18.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €543k
Fixed assets
€68k▲ 69.0%
Current assets
€475k▲ 10.2%
Equity and liabilities €543k
Equity
€33k▼ 86.7%
Debt
€510k▲ 127%
The debt ratio rises from 47.7% to 94.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€121k▼
2024 · €143k
Cash flow
€99k▼
2024 · €117k
Solvency
6.0%▼
2024 · 52.3%
Current ratio
1.20▼
2024 · 4.69
Quick ratio
1.06▼
2024 · 4.49
Debt / equity
15.56▲
2024 · 0.91
ROE
263.6%▲
2024 · 42.8%
ROA
15.9%▼
2024 · 22.4%
Interest coverage
50.90▼
2024 · 59.17
Debt
€510k▲
2024 · €225k
Debt ≤ 1 year
€396k▲
2024 · €92k
Income taxes
€24k▼
2024 · €27k
Staff costs
€139k▲
2024 · €128k
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€471k€543k▲
Fixed assets21/28€40k€68k▲
Intangible fixed assets21€0€0▼
Tangible fixed assets22/27€40k€68k▲
Land and buildings22€12k€10k▼
Plant, machinery and equipment23€23k€24k▲
Furniture and vehicles24€5k€34k▲
Current assets29/58€431k€475k▲
Stocks and contracts in progress3€18k€55k▲
Stocks30/36€18k€55k▲
Amounts receivable within one year40/41€311k€328k▲
Trade receivables40€175k€153k▼
Other amounts receivable41€137k€175k▲
Cash at bank and in hand54/58€98k€72k▼
Deferred charges and accrued income490/1€3k€20k▲
Equity and liabilities
Total equity and liabilities10/49€471k€543k▲
Equity10/15€246k€33k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€226k€13k▼
Amounts payable17/49€225k€510k▲
Amounts payable within one year42/48€92k€396k▲
Trade debts44€45k€75k▲
Suppliers440/4€45k€75k▲
Taxes, remuneration and social security45€39k€21k▼
Taxes450/3€30k€4k▼
Remuneration and social security454/9€9k€16k▲
Other amounts payable47/48€8k€300k▲
Accrued charges and deferred income492/3€133k€114k▼
Income statement
Code20242025
Remuneration, social security and pensions62€128k€139k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€6k€7k▲
Non-recurring operating charges66A-€20k
Gross operating margin9900€278k€287k▲
Operating profit (loss)9901€132k€109k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€132k€110k▼
Income taxes67/77€27k€24k▼
Profit (loss) for the period9904€106k€86k▼
Profit (loss) for the period to be appropriated9905€106k€86k▼
Appropriation of the result
Profit (loss) to be appropriated9906€234k€313k▲
Profit (loss) brought forward from the previous period14P€128k€226k▲
Profit to be distributed694/7€8k€300k▲
Return on contributions (dividend)694-€300k
Directors or managers695€8k€0▼
The notes to these accounts (14 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €106k ▲116%
Operating result €132k, net result €106k, both a record.
31-12
Financial
Equity above €200kEq €246k ▲66.1%
3 profitable years in a row build equity to €246k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €49k ▼38.3%
Net result drops to €49k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €148k ▲49.2%
2 profitable years in a row build equity to €148k.
10-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 71 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Zedelgem · 1 establishment unit since 2022
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.
Stationsstraat 48210 ZedelgemGround area
4,285 m²
Building footprint
965 m²
Volume, LiDAR
4,282 m³
Parcel 31017B0265/00E005, Flanders · tallest building 9.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Tuincenter Snaet
since 20222.328.618.622
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31017B0265/00E005 | Flanders | 4,285 m² | 1 · 965 m² | 9.1 m · 1 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 2025 · 3 entries · 36,361 EUR awarded · 36,361 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 8,579 EUR | 8,579 EUR |
| 2024 | 1 | 11,612 EUR | 11,612 EUR |
| 2023 | 1 | 16,170 EUR | 16,170 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Recognitions · licences · registrations
Food safety, FASFC
1 siteZedelgem2.328.618.622
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Of 21,216 companies in sector 81300 we hold annual accounts for 4,363. 3,441 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-02-2022
Fiscal year end31-12
Activities, NACEBEL
81300Landscape service activities
47761Retail sale of flowers, plants, seeds and fertilisers
47762Retail sale of pets, pet food and pet supplies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.