SNB MANAGEMENT
ActiveSummary
SNB MANAGEMENT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.24M and a net result of €152k. Equity is growing by ~18.6% per year across the filed fiscal years. Its solvency ranks better than 73% of 7029 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
74
/ 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
Profitability80▼-8
Solvency100▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity short (current ratio 0.96 against 3.04 in 2024; short-term debt: 9.1% and cash: 1.6% of total assets), and 23.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
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
76.4%
Return on assets
9.4%
Age of the figures
9 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
9 d early
2024
19 d late
2023
15 d early
2022
28 d early
2021
5 d early
2020
3 d early
2019
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.24M▲ 13.6%
2024 · €1.09M
2019: €265k
2020: €475k
2021: €641k
2022: €856k
2023: €959k
2024: €1.09M
2019 → 2025
Total assets
€1.63M▲ 7.3%
2024 · €1.52M
2019: €654k
2020: €997k
2021: €1.08M
2022: €1.33M
2023: €1.66M
2024: €1.52M
2019 → 2025
Net result
€152k▼ 34.8%
2024 · €234k
2019: €246k
2020: €210k
2021: €166k
2022: €215k
2023: €243k
2024: €234k
2019 → 2025
Working capital
€-5k
2024 · €419k
2019: €280k
2020: €310k
2021: €210k
2022: €210k
2023: €360k
2024: €419k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€641k-€856k▲ 33.5%€959k▲ 12.1%€1.09M▲ 14.0%€1.24M▲ 13.6%
Operating result€237k-€348k▲ 47.1%€383k▲ 10.0%€357k▼ 6.9%€237k▼ 33.6%
Net result€166k-€215k▲ 29.1%€243k▲ 13.1%€234k▼ 3.8%€152k▼ 34.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 34% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.63M
Fixed assets
€1.49M ▲ 66.4%
Current assets
€142k ▼ 77.2%
Equity and liabilities €1.63M
Equity
€1.24M ▲ 13.6%
Provisions
€225k ▲ 8.2%
Debt
€159k ▼ 25.9%
Debt's share of the balance-sheet total falls from 14.2% to 9.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€346k▼
2024 · €393k
Cash flow
€262k▼
2024 · €270k
Current ratio
0.96▼
2024 · 3.04
Debt to equity
0.13▼
2024 · 0.20
ROE
12.3%▼
2024 · 21.4%
ROA
9.4%▼
2024 · 15.4%
Interest coverage
15.96▼
2024 · 19.88
Debt ≤ 1 year
€148k▼
2024 · €205k
Income taxes
€72k▼
2024 · €111k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.52M€1.63M▲
Fixed assets21/28€892k€1.49M▲
Intangible fixed assets21€949€425▼
Tangible fixed assets22/27€891k€1.48M▲
Land and buildings22€870k€1.47M▲
Furniture and vehicles24€14k€11k▼
Other tangible fixed assets26€7k€7k▼
Current assets29/58€624k€142k▼
Amounts receivable within one year40/41€97k€111k▲
Trade receivables40€96k€97k▲
Other amounts receivable41€968€14k▲
Current investments50/53€340k€0▼
Cash at bank and in hand54/58€183k€25k▼
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€1.52M€1.63M▲
Equity10/15€1.09M€1.24M▲
Contributions10/11€19k€19k=
Reserves13€692k€841k▲
Distributable reserves133€692k€841k▲
Profit (loss) carried forward14€383k€383k=
Provisions and deferred taxes16€208k€225k▲
Provisions for liabilities and charges160/5€208k€225k▲
Environmental obligations163€208k€225k▲
Amounts payable17/49€215k€159k▼
Amounts payable within one year42/48€205k€148k▼
Trade debts44€9k€16k▲
Suppliers440/4€9k€16k▲
Taxes, remuneration and social security45€66k€53k▼
Taxes450/3€62k€53k▼
Remuneration and social security454/9€4k€0▼
Other amounts payable47/48€130k€78k▼
Accrued charges and deferred income492/3€10k€12k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€109k▲
Other operating charges640/8€5k€23k▲
Non-recurring operating charges66A€2k€2k▲
Gross operating margin9900€400k€370k▼
Operating profit (loss)9901€357k€237k▼
Financial income75/76B€8k€9k▲
Recurring financial income75€8k€9k▲
Financial charges65/66B€20k€22k▲
Recurring financial charges65€20k€22k▲
Profit (loss) for the period before taxes9903€345k€224k▼
Income taxes67/77€111k€72k▼
Profit (loss) for the period9904€234k€152k▼
Profit (loss) for the period to be appropriated9905€234k€152k▼
Appropriation of the result
Profit (loss) to be appropriated9906€717k€535k▼
Profit (loss) brought forward from the previous period14P€483k€383k▼
Transfer to equity691/2€234k€149k▼
To other reserves6921€234k€149k▼
Profit to be distributed694/7€100k€3k▼
Return on contributions (dividend)694€100k€0▼
Directors or managers695-€3k
The notes to these accounts (15 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €152k ▼34.8%
Net result drops to €152k, the lowest in the series.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Equity above €1MEq €1.09M ▲14%
6 profitable years in a row build equity to €1.09M.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €500kEq €641k ▲35.1%
3 profitable years in a row build equity to €641k.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Soignies · 1 establishment unit since 2018
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.
Chemin du Tour Bras de Fer 47060 SoigniesGround area
2,092 m²
Building footprint
741 m²
Volume, LiDAR
6,280 m³
2 parcels, Wallonia · tallest building 14.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SNB MANAGEMENT
since 20182.280.993.404
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55040B0094/00D000 | Wallonia | 1,325 m² | 1 · 579 m² | 14.2 m · 3 fl. |
| 55402D0213/00X002 | Wallonia | 767 m² | 1 · 162 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 13,421 companies in sector 73300 we hold annual accounts for 6,901. 2,695 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-10-2018
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.