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S-NAP

Active
Private limited company·Business and other management consultancy· 11 yrs active
Putsebaan 189 ·3140 Keerbergen, Belgium

S-NAP has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €306k and a net result of €67k. Its solvency ranks better than 95% of 4760 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

KBO/BCE: BE 0632.608.363
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Credit risk

Bankruptcy probability (12 mo)

0.1% Very low
0%0,5%1,5%4%10%≥25%

How do we compute this?

Credit advice

verdict per amount and term

Timeline

What happened to this company, by date

0 of 3 acts read

Next filing fiscal year 2026 expected by 31-01-2027

2026
26-02-2026 NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
27-01-2025 NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01-2024 NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01-2023 NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
18-02-2022 NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
01-02-2021 NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
12-02-2020 NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
03-01-2019 NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-01-2018 NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2016
28-12-2016 NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
About the unread acts

We know of 3 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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Financials

Equity€306k+3.7%
2024: €295k
Total assets€319k-0.7%
2024: €322k
Net result€67k+16.0%
2024: €57k
Working capital€96k+18.4%
2024: €81k

Turnover and EBIT margin not published: the micro schema does not require them.

Figures by fiscal year

fiscal year 2025 · micro schema
€0€20k€40k€60kOperating result 2024: €4k€4kNet result 2024: €57k€57kOperating result 2025: €9k€9kNet result 2025: €67k€67k20242025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 70, Activities of head offices; management consultancy activities · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 95.9% 55.4%
better than 95% of 4760 sector peers
Net result €67k €38k
better than 71% of 4760 sector peers
Equity €306k €64k
better than 90% of 4761 sector peers
Gross operating margin €10k €61k
better than 15% of 4753 sector peers
Total assets €319k €146k
better than 78% of 4761 sector peers
EBITDA
€9k
+119.0% 24-25
Cash flow
€67k
+15.9% 24-25
Income taxes
€9k
+35.2% 24-25
Dividends
€56k
+165.6% 24-25
Debt
€13k
-50.2% 24-25
Debt ≤ 1y
€10k
-62.7% 24-25
Current ratio
10.75
+164.3% 24-25
Quick ratio
10.75
+164.3% 24-25
Solvency
95.9%
+4.5% 24-25
Debt / equity
0.04
-52.0% 24-25
ROE
21.7%
+11.9% 24-25
ROA
20.8%
+16.9% 24-25
Interest coverage
160.59
+313.1% 24-25
Figures by fiscal year and ratios
Fiscal year2025
Depositmicro schema
Revenue-
EBITDA€9k
Net profit€67k
Cash flow€67k
Staff costs-
Income taxes€9k
Dividends€56k
Total assets€319k
Equity€306k
Debt€13k
of which ≤ 1y€10k
of which > 1y-
Working capital€96k
Employees (FTE)-
Ratios (computed)
2025
Current ratio10.75
Quick ratio10.75
Working capital ratio30.2%
Solvency95.9%
Debt / equity0.04
Long-term debt ratio-
Interest coverage160.59
Gross margin-
Net margin-
ROA20.8%
ROE21.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Balance-sheet composition 2025
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€319k
Fixed assets 21/28€213k
Tangible fixed assets 22/27€744
Financial fixed assets 28€213k
Current assets 29/58€106k
Amounts receivable within one year 40/41€74k
Cash & bank 54/58€32k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€319k
Equity 10/15€306k
Contributions / capital 10/11€19k
Reserves 13€288k
Amounts payable 17/49€13k
Amounts payable within one year 42/48€10k
Income statement
Gross operating margin 9900€10k
Operating result 9901€9k
Financial income 75€67k
Financial charges 65€59
Result before taxes 9903€76k
Income taxes 67/77€9k
Net result for the period 9904€67k
Result to be appropriated 9905€67k

Signals

1 signal
A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-02-2026, 26 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
No strikeouts found in the KBO publications · how complete this is
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Filing history by fiscal year and how the deadline is computed
A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-02-2026, 26 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-06-2025 31-01-2026 26-02-2026 26 d late 2026-00044851
30-06-2024 31-01-2025 27-01-2025 4 d early 2025-00011580
30-06-2023 31-01-2024 31-01-2024 on the day 2024-00016577
30-06-2022 31-01-2023 30-01-2023 1 d early 2023-00007952
30-06-2021 31-01-2022 18-02-2022 18 d late 2022-05900081
30-06-2020 31-01-2021 01-02-2021 1 d late 2021-03100315
30-06-2019 31-01-2020 12-02-2020 12 d late 2020-04900086
30-06-2018 31-01-2019 03-01-2019 28 d early 2019-00100165
30-06-2017 31-01-2018 22-01-2018 9 d early 2018-01800248
30-06-2016 31-01-2017 28-12-2016 34 d early 2016-71600320

Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Locations & real estate

Registered office

exact location from the address register On OpenStreetMap
2 companies at this address See who is registered here

Establishment units

1 location
S-NAP
Putsebaan 189, 3140 KeerbergenBusiness consulting
since 20152.243.153.407
Parcels1
Ground area814 m²
Buildings1
Building footprint106 m²

Real-estate footprint

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24048C0301/00L000 Flanders 813 m² 1 · 106 m² -
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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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Business and other management consultancy70200Business consulting70220