Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of SNPS Belgium is 0.1% (very low). The 2025 annual accounts show equity of €2.95M and a net result of €407k. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 65% of 181 sector peers (fiscal year 2025). The company has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 8 annual accounts.
Signals
2 signals · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
View the equity trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-10-2025 was due by 31-05-2026 and was filed on 28-01-2026, 123 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
The next deadline is still running
The next financial year closes on 31-10-2026 and is due by 31-05-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-10. 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 31-10-2025, that is 31-05-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-10-2025 | 31-05-2026 | 28-01-2026 | 123 d early | 2026-00024156 |
| 31-10-2024 | 31-05-2025 | 10-01-2025 | 141 d early | 2025-00004211 |
| 31-10-2023 | 31-05-2024 | 18-01-2024 | 134 d early | 2024-00003393 |
| 31-10-2022 | 31-05-2023 | 13-01-2023 | 138 d early | 2023-20558281 |
| 31-10-2021 | 31-05-2022 | 18-01-2022 | 133 d early | 2022-01200268 |
| 31-10-2020 | 31-05-2021 | 02-02-2021 | 118 d early | 2021-04300225 |
| 31-10-2019 | 31-05-2020 | 26-02-2020 | 95 d early | 2020-05600584 |
| 31-10-2018 | 31-05-2019 | 14-02-2019 | 106 d early | 2019-05200276 |
| 31-10-2017 | 31-05-2018 | 15-01-2018 | 136 d early | 2018-01600061 |
| 31-10-2016 | 31-05-2017 | 29-03-2017 | 63 d early | 2017-07400550 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. 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.
Trust signals
2 signalsLong-established
Founded in 1996, 29 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
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.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.1%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Long track record
−Annual accounts: healthy financial profile
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Turnover€5.20M+8.3%
EBIT margin7.5%0pp
Net result€407k-17.4%
Working capital€1.42M-18.6%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 28-01-2026 with the NBB · fiscal year 2025 · verkort
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~25.2%/year over 8 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 62, Computer programming & consultancy · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 56.5% | 38.3% | |
| Net result | €407k | €27k | |
| Equity | €2.95M | €103k | |
| Gross operating margin | €9.34M | €86k | |
| Staff costs | €8.75M | €350k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P65
Stable position over 2020-2025
· n=143-563
P91
Stable position over 2020-2025
· n=143-563
P93
Stable position over 2020-2025
· n=143-563
P95
Stable position over 2020-2025
· n=143-562
Describes the position versus peers, not a forecast.
€5.20M
+8.3%
18-25
€595k
-5.3%
18-25
€407k
-17.4%
18-25
€420k
-17.4%
18-25
€5.22M
+10.4%
18-25
€2.95M
+16.0%
18-25
€1.42M
-18.6%
18-25
41
+16.7%
18-25
Show 13 other metrics
€8.75M
+3.6%
18-25
€193k
+31.7%
18-25
€2.27M
+3.9%
18-25
€2.23M
+3.8%
18-25
1.64
-9.7%
18-25
1.64
-9.7%
18-25
56.5%
+5.1%
18-25
0.77
-10.4%
18-25
13.8%
-28.8%
18-25
7.8%
-25.2%
18-25
18.6%
+101.6%
18-25
7.6%
-2.8%
18-25
259.38
+871.6%
18-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | verkort |
| Revenue | - |
| EBITDA | €595k |
| Net profit | €407k |
| Cash flow | €420k |
| Staff costs | €8.75M |
| Income taxes | €193k |
| Dividends | - |
| Total assets | €5.22M |
| Equity | €2.95M |
| Debt | €2.27M |
| of which ≤ 1y | €2.23M |
| of which > 1y | - |
| Working capital | €1.42M |
| Employees (FTE) | 40.5 |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 1.64 |
| Quick ratio | 1.64 |
| Working capital ratio | 27.3% |
| Solvency | 56.5% |
| Debt / equity | 0.77 |
| Long-term debt ratio | - |
| Interest coverage | 259.38 |
| Gross margin | - |
| Net margin | - |
| ROA | 7.8% |
| ROE | 13.8% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €5.22M |
| Fixed assets | 21/28 | €1.56M |
| Tangible fixed assets | 22/27 | €63k |
| Financial fixed assets | 28 | €1.50M |
| Current assets | 29/58 | €3.65M |
| Amounts receivable within one year | 40/41 | €955k |
| Cash & bank | 54/58 | €2.67M |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €5.22M |
| Equity | 10/15 | €2.95M |
| Contributions / capital | 10/11 | €322k |
| Reserves | 13 | €32k |
| Accumulated profits (losses) | 14 | €2.59M |
| Amounts payable | 17/49 | €2.27M |
| Amounts payable within one year | 42/48 | €2.23M |
| Trade debts payable within one year | 44 | €84k |
| Income statement | ||
| Gross operating margin | 9900 | €9.34M |
| Operating result | 9901 | €582k |
| Financial income | 75 | €20k |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €600k |
| Income taxes | 67/77 | €193k |
| Net result for the period | 9904 | €407k |
| Result to be appropriated | 9905 | €407k |
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computed93
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Directors
Directors & mandates
19 directors17 of this company's 17 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
-
Maxim VlerickBijzonder gevolmachtigdeState Gazette act 24003310 (05-01-2024)Current05-01-2024 → present
-
Frederick GeldhofBijzondere lasthebberState Gazette act 21021077 (17-02-2021)Current17-02-2021 → present
-
Jan van LoonBijzonder gevolmachtigdeState Gazette act 24003310 (05-01-2024)Current06-07-2020 → present
3 events
- 05-01-2024 Appointed· Bijzonder gevolmachtigde
- 17-02-2021 Appointed· Bijzondere lasthebber
- 06-07-2020 Appointed· Bijzondere lasthebber
-
Steven De SchrijverBijzonder gevolmachtigdeState Gazette act 24003310 (05-01-2024)Current23-01-2015 → present
7 events
- 05-01-2024 Appointed· Bijzonder gevolmachtigde
- 06-07-2020 Appointed· Bijzondere lasthebber
- 28-03-2018 Appointed· Bijzondere lasthebber
- 10-08-2017 Appointed· Bijzondere lasthebber
- 02-05-2017 Appointed· Bijzondere lasthebber
- 21-04-2015 Appointed· Bijzondere lasthebber
- 23-01-2015 Appointed· Bijzondere lasthebber
Historic, not recently confirmed (13)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
-
Inez VermeeschBijzondere lasthebberState Gazette act 20076096 (06-07-2020)Not recently confirmedlast confirmed in an act from 2020
-
MURPHY OrlaDirectorState Gazette act 20315594 (19-03-2020)Not recently confirmedlast confirmed in an act from 2020
-
Anne-Claire LeuckxBijzondere lasthebberState Gazette act 18052800 (28-03-2018)Not recently confirmedlast confirmed in an act from 2018
5 events
- 28-03-2018 Appointed· Bijzondere lasthebber
- 10-08-2017 Appointed· Bijzondere lasthebber
- 02-05-2017 Appointed· Bijzondere lasthebber
- 21-04-2015 Appointed· Bijzondere lasthebber
- 23-01-2015 Appointed· Bijzondere lasthebber
-
Gert GoossensBijzondere volmachthouderState Gazette act 18052800 (28-03-2018)Not recently confirmedlast confirmed in an act from 2018
-
Matthias DemeyerBijzondere lasthebberState Gazette act 18052800 (28-03-2018)Not recently confirmedlast confirmed in an act from 2018
-
Vickie De SmetBijzondere lasthebberState Gazette act 18052800 (28-03-2018)Not recently confirmedlast confirmed in an act from 2018
-
Murphy Orla AnneNiet statutair zaakvoerderState Gazette act 17148977 (23-10-2017)Not recently confirmedlast confirmed in an act from 2017
-
Jente DenglerBijzondere lasthebberState Gazette act 17116854 (10-08-2017)Not recently confirmedlast confirmed in an act from 2017
2 events
- 10-08-2017 Appointed· Bijzondere lasthebber
- 02-05-2017 Appointed· Bijzondere lasthebber
-
Fauve Vander ScheldenBijzondere lasthebberState Gazette act 17062100 (02-05-2017)Not recently confirmedlast confirmed in an act from 2017
-
Jeroen MuesBijzondere lasthebberState Gazette act 15057948 (21-04-2015)Not recently confirmedlast confirmed in an act from 2015
2 events
- 21-04-2015 Appointed· Bijzondere lasthebber
- 23-01-2015 Appointed· Bijzondere lasthebber
-
Vanthournout BartDirectorState Gazette act 15057948 (21-04-2015)Not recently confirmedlast confirmed in an act from 2015
4 events
- 23-10-2017 Resigned· Director
- 21-04-2015 Appointed· Director
- 21-04-2015 Appointed· Managing director
- 26-02-2010 Appointed· Managing director
-
Kleinberg ScottDirectorState Gazette act 10030691 (26-02-2010)Not recently confirmedlast confirmed in an act from 2010
-
Naumann AlanDirectorState Gazette act 10030691 (26-02-2010)Not recently confirmedlast confirmed in an act from 2010
Permanent representatives (3)
These people represent a legal-person director (a management company, for instance). They hold no board mandate of their own and do not count as directors.
-
Dieter VanloockVaste vertegenwoordigerState Gazette act 24003310 (05-01-2024)Permanent representative05-01-2024 → present
-
Mr. Dieter Vanloock (IBR Nr. A2564)Vaste vertegenwoordigerState Gazette act 20076096 (06-07-2020)Permanent representative06-07-2020 → present
-
Ömer TURNAVertegenwoordiger van commissarisState Gazette act 17062100 (02-05-2017)Permanent representative02-05-2017 → present
Former directors (2)
-
Erika Varga McEnroeDirectorState Gazette act 15057948 (21-04-2015)Former21-04-2015 → 23-10-2017
2 events
- 23-10-2017 Resigned· Director
- 21-04-2015 Appointed· Director
-
Charles WatchornDirectorState Gazette act 15057948 (21-04-2015)Former21-04-2015 → 10-08-2017
2 events
- 10-08-2017 Resigned· Director
- 21-04-2015 Appointed· Director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Statutory auditor
5 auditors| Statutory auditor | IRE/IBR number | Tenure |
|---|---|---|
| KPMG Bedrijfsrevisoren BVCurrent Statutory auditor |
- | 05-01-2024 → present |
Show 4 earlier auditors
| Ernst & Young Statutory auditor succeeded by Ernst & Young Bedrijfsrevisoren BCVBA in 2017 |
- | 26-02-2010 → 02-05-2017 |
| Ernst & Young Bedrijfsrevisoren BCVBA Statutory auditor succeeded by KPMG Bedrijfsrevisoren CVBA (B00001) / Réviseurs d'Entreprises SCRL in 2020 |
- | 02-05-2017 → 06-07-2020 |
| KPMG Bedrijfsrevisoren CVBA (B00001) / Réviseurs d'Entreprises SCRL Statutory auditor succeeded by KPMG Bedrijfsrevisoren BV in 2024 |
- | 06-07-2020 → 05-01-2024 |
| Robert Boons Statutory auditor succeeded by Ernst & Young Bedrijfsrevisoren BCVBA in 2017 |
- | 26-02-2010 → 02-05-2017 |
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Ontwerpen van computerprogramma’s(62100) |
| Legal form | Private limited company(610) |
| Incorporation | 02-10-1996 |
| Status | Active |
| Postal code | 3001 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationSNPSbelgium nv
since 20142.234.102.614
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1.3 ha
Buildings1
Building footprint596 m²
Volume (LiDAR)3,835 m³
Tallest building7.7 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24514C0039/00L000 | Flanders | 1.3 ha | 1 · 596 m² | 7.7 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
11 acts Address history · 1
23-01-2015
Registered-office move
All acts · 11
updated 2 years ago
2024
05-01-2024 5 directors appointed
- KPMG Bedrijfsrevisoren BV, Commissaris
- Dieter Vanloock, Vaste vertegenwoordiger
- Steven De Schrijver, Bijzonder gevolmachtigde
- Maxim Vlerick, Bijzonder gevolmachtigde
- Jan van Loon, Bijzonder gevolmachtigde
Summary:
v3.2
2021
17-02-2021 2 directors appointed
- Frederick Geldhof, Bijzondere lasthebber
- Jan van Loon, Bijzondere lasthebber
Summary:
v3.2
2020
06-07-2020 5 directors appointed
- KPMG Bedrijfsrevisoren CVBA (B00001) / Réviseurs d'Entreprises SCRL, Commissaris
- Mr. Dieter Vanloock (IBR Nr. A2564), Vaste vertegenwoordiger
- Steven De Schrijver, Bijzondere lasthebber
- Inez Vermeesch, Bijzondere lasthebber
- Jan Van Loon, Bijzondere lasthebber
Summary:
v3.2
19-03-2020 MURPHY Orla appointed as director
2018
28-03-2018 5 directors appointed
- Gert Goossens, Bijzondere volmachthouder
- Steven De Schrijver, Bijzondere lasthebber
- Anne-Claire Leuckx, Bijzondere lasthebber
- Matthias Demeyer, Bijzondere lasthebber
- Vickie De Smet, Bijzondere lasthebber
Summary:
v3.2
2017
23-10-2017 1 director appointed, 2 resigning
- Murphy Orla Anne, Niet statutair zaakvoerder
- Erika Varga McEnroe, Bestuurder
- Bart Vanthournout, Bestuurder
Summary:
v3.2
10-08-2017 3 directors appointed, 1 resigning
- Steven De Schrijver, Bijzondere lasthebber
- Anne-Claire Leuckx, Bijzondere lasthebber
- Jente Dengler, Bijzondere lasthebber
- Charles Watchorn, Bestuurder
Summary:
v3.2
02-05-2017 6 directors appointed
- Ernst & Young Bedrijfsrevisoren BCVBA, Commissaris
- Ömer TURNA, Vertegenwoordiger van commissaris
- Fauve Vander Schelden, Bijzondere lasthebber
- Steven De Schrijver, Bijzondere lasthebber
- Anne-Claire Leuckx, Bijzondere lasthebber
- Jente Dengler, Bijzondere lasthebber
Summary:
v3.2
2015
21-04-2015 7 directors appointed
- Charles Watchorn, Bestuurder
- Erika Varga McEnroe, Bestuurder
- Bart Vanthournout, Bestuurder
- Bart Vanthournout, Gedelegeerd bestuurder
- Steven De Schrijver, Bijzondere lasthebber
- Jeroen Mues, Bijzondere lasthebber
- Anne-Claire Leuckx, Bijzondere lasthebber
Summary:
v3.2
23-01-2015 Registered office moved within Leuven
- Interleuvenlaan 15 A, 3001 Leuven, België → Haasrode Research Park, gebouw 1026, Technologielaan 11-0002, B-3001 Leuven, België
Notary:
Jeroen Mues · Lariffie
2010
26-02-2010 5 directors appointed
- Naumann Alan, Bestuurder
- Kleinberg Scott, Bestuurder
- Vanthournout Bart, Gedelegeerd bestuurder
- Ernst & Young, Commissaris
- Robert Boons, Commissaris
Summary:
v3.2
Analysis
Financial profile
5 of 5 axes measured84
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
93
Profitability
69
Solvency
89
Growth
67
Stability
100
Credit advice
verdict per customer and amountSimilar
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Company registry
Company registry (CBE)
Crossroads BankActivities
Ontwerpen en programmeren van computerprogramma's62010Ontwerpen van computerprogramma’s62100Overige advisering in verband met programmatuur en levering van programmatuur72220
Primary activity highlighted.
Names & trade names
| Legal nameNL | SNPS Belgium |
Registered office
Technologielaan 11 bus 2
3001 Leuven, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.