AJ Smile
ActiveSummary
AJ Smile has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-133k) and a net result of €1k. Equity is shrinking by ~56.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▲+33
Solvency16▲+5
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.27 against 0.06 in 2024; short-term debt: 17.5% and cash: 3.6% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 16546 sector peers (2025).
NBB · sector comparisonPosition among 16546 sector peers
Solvency
better than 5%
← 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 21-04-2026, 101 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
101 d early
2024
156 d early
2023
142 d early
2022
130 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
€-133k▲ 0.9%
2024 · €-134k
2022: €7k
2023: €-51k
2024: €-134k
2022 → 2025
Total assets
€1.43M▲ 46.2%
2024 · €980k
2022: €254k
2023: €467k
2024: €980k
2022 → 2025
Net result
€1k
2024 · €-83k
2022: €-43k
2023: €-57k
2024: €-83k
2022 → 2025
Working capital
€-183k▼ 9.0%
2024 · €-168k
2022: €-21k
2023: €-68k
2024: €-168k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€7k-€-51k€-134k▼ 164%€-133k▲ 0.9%
Operating result€-40k-€-41k▼ 2.4%€-48k▼ 15.7%€51k
Net result€-43k-€-57k▼ 31.7%€-83k▼ 45.0%€1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €51k after a loss of €48k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.43M
Fixed assets
€1.37M ▲ 40.9%
Current assets
€67k ▲ 533%
Key figures and ratios
EBITDA
€132k▲
2024 · €-13k
Cash flow
€82k▲
2024 · €-48k
Solvency
-9.2%▲
2024 · -13.6%
Current ratio
0.27▲
2024 · 0.06
Quick ratio
0.24▲
2024 · 0.06
Debt to equity
-11.81▼
2024 · -8.33
ROA
0.1%▲
2024 · -8.5%
Interest coverage
2.62▲
2024 · -0.36
Debt
€1.57M▲
2024 · €1.11M
Debt ≤ 1 year
€251k▲
2024 · €179k
Debt > 1 year
€1.31M▲
2024 · €935k
Staff costs
€61k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€980k€1.43M▲
Fixed assets21/28€970k€1.37M▲
Tangible fixed assets22/27€970k€1.37M▲
Land and buildings22€876k€1.13M▲
Plant, machinery and equipment23€94k€236k▲
Furniture and vehicles24-€2k
Financial fixed assets28-€363
Current assets29/58€11k€67k▲
Stocks and contracts in progress3-€6k
Stocks30/36-€6k
Amounts receivable within one year40/41-€3k
Trade receivables40-€3k
Cash at bank and in hand54/58€10k€51k▲
Deferred charges and accrued income490/1€278€7k▲
Equity and liabilities
Total equity and liabilities10/49€980k€1.43M▲
Equity10/15€-134k€-133k▲
Contributions10/11€50k€50k=
Profit (loss) carried forward14€-184k€-183k▲
Amounts payable17/49€1.11M€1.57M▲
Amounts payable after more than one year17€935k€1.31M▲
Financial debts170/4€935k€1.31M▲
Amounts payable within one year42/48€179k€251k▲
Current portion of amounts payable after more than one year42€11k€78k▲
Trade debts44€38k€9k▼
Suppliers440/4€38k€9k▼
Taxes, remuneration and social security45-€8k
Remuneration and social security454/9-€8k
Other amounts payable47/48€130k€156k▲
Accrued charges and deferred income492/3-€10k
Income statement
Code20242025
Remuneration, social security and pensions62-€61k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€80k▲
Other operating charges640/8€854€881▲
Gross operating margin9900€-12k€193k▲
Operating profit (loss)9901€-48k€51k▲
Financial income75/76B-€2
Recurring financial income75-€2
Financial charges65/66B€35k€50k▲
Recurring financial charges65€35k€50k▲
Profit (loss) for the period before taxes9903€-83k€1k▲
Profit (loss) for the period9904€-83k€1k▲
Profit (loss) for the period to be appropriated9905€-83k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-184k€-183k▲
Profit (loss) brought forward from the previous period14P€-101k€-184k▼
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
21-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €1k
Net result €1k after 3 loss-making years.
25-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-83k
Net result drops to €-83k, the lowest in the series; recovery starts the following year.
11-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Tournai · 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.
Chaussée de Douai(TOU) 2147500 TournaiGround area
1,442 m²
Building footprint
147 m²
Volume, LiDAR
664 m³
Parcel 57081I0051/00D003, Wallonia · tallest building 8.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
AJ Smile
since 20222.330.820.225
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57081I0051/00D003 | Wallonia | 1,442 m² | 1 · 147 m² | 8.1 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.
Similar companies · same sector, comparable size
DENTALENT
BE 0772.906.787
Antwerpen · Eq €6,609
Dentiste Th. WALRAEVENS
BE 0760.535.329
Braine-le-Château · Eq €6,500
BENEDICTE DARGENT
BE 0820.370.966
Sambreville · Eq €6,488
Odontostore
BE 0784.584.302
Antwerpen · Eq €6,626
Orthobelle
BE 1003.102.635
Evere · Eq €6,652
Of 6,942 companies in sector 86230 we hold annual accounts for 4,291. 959 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
Founded08-04-2022
Fiscal year end31-12
Activities, NACEBEL 2025
86230Dental practice
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.