Active BE 1003.993.847Private limited company

Marhfour Smiles

Ambiorixsquare 30 ·1000 Brussel, Belgium· 2 yrs active

Sector: Activiteiten van tandartspraktijken (86230)

Conclusion Checked

The computed 12-month bankruptcy probability of Marhfour Smiles is 0.5% (very low). The 2024 annual accounts show equity of €242k and a net result of €149k. Its solvency ranks better than 35% of 6584 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€242k
Net result	€149k
Staff (FTE)	1
Better than sector	35%

Financial profile 5 of 5 axes measured · computed by Checked

77 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 64

Profitability 100

Solvency 63

Growth 78

Stability 82

Bankruptcy probability (12 mo) Checked model v1 · free

0.5% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Young company

Founded in 2023, under 3 years, statistically higher risk.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

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.

Health barometer FY 2024 · computed

64 / 100 Healthy

050100

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 2024. Indicative, not credit advice.

Financial overview2 NBB filings

Annual accounts filed on 28-06-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 86, Human health · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	49.8%	66.7%	better than 35% of 6584 sector peers
Net result	€149k	€46k	better than 89% of 6578 sector peers
Equity	€242k	€79k	better than 84% of 6584 sector peers
Gross operating margin	€312k	€78k	better than 94% of 6586 sector peers
Staff costs	€35k	€21k	higher than 67% of 1212 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€272k

+117.6% 23-24

Net profit

€149k

+64.1% 23-24

Cash flow

€219k

+129.0% 23-24

Total assets

€486k

+34.8% 23-24

Equity

€242k

+158.9% 23-24

Working capital

€-81k

+69.2% 23-24

Employees (FTE)

1

- 23-24

Staff costs

€35k

- 23-24

Show 11 other metrics

Income taxes

€44k

+48.9% 23-24

Debt

€244k

-8.6% 23-24

Debt ≤ 1y

€189k

-29.3% 23-24

Debt > 1y

€52k

- 23-24

Current ratio

0.57

+4970.3% 23-24

Quick ratio

0.57

+4970.3% 23-24

Solvency

49.8%

+92.0% 23-24

Debt / equity

1.01

-64.7% 23-24

ROE

61.4%

-36.6% 23-24

ROA

30.6%

+21.8% 23-24

Interest coverage

29.10

- 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€272k
Net profit	€149k
Cash flow	€219k
Staff costs	€35k
Income taxes	€44k
Dividends	-
Total assets	€486k
Equity	€242k
Debt	€244k
of which ≤ 1y	€189k
of which > 1y	€52k
Working capital	€-81k
Employees (FTE)	1.0

Ratios (computed)

	2024
Current ratio	0.57
Quick ratio	0.57
Working capital ratio	-16.7%
Solvency	49.8%
Debt / equity	1.01
Long-term debt ratio	0.22
Interest coverage	29.10
Gross margin	-
Net margin	-
ROA	30.6%
ROE	61.4%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €379k · 77.9% Current assets €108k · 22.1%

Equity & liabilities

Equity €242k · 49.8% Debt €244k · 50.2%

Full annual accounts (21 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€486k
Fixed assets	21/28	€379k
Intangible fixed assets	21	€254k
Tangible fixed assets	22/27	€125k
Current assets	29/58	€108k
Cash & bank	54/58	€101k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€486k
Equity	10/15	€242k
Contributions / capital	10/11	€3k
Reserves	13	€239k
Amounts payable	17/49	€244k
Amounts payable after one year	17	€52k
Amounts payable within one year	42/48	€189k
Trade debts payable within one year	44	€646
Income statement
Gross operating margin	9900	€312k
Operating result	9901	€202k
Financial charges	65	€9k
Result before taxes	9903	€193k
Income taxes	67/77	€44k
Net result for the period	9904	€149k
Result to be appropriated	9905	€149k

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Activiteiten van tandartspraktijken(86230)
Legal form	Private limited company(610)
Incorporation	28-12-2023
Status	Active
Postal code	1000

Establishment units 2 locations

Marhfour Smiles

Ambiorixsquare 30, 1000 BrusselOverige zakelijke dienstverlening, neg

since 20242.354.328.075

CHIREC Delta

Triomflaan 201, 1160 OudergemOverige zakelijke dienstverlening, neg

since 20242.385.767.161

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels 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.

Brussels 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21002A0254/00A000	Brussels	3.4 ha	1 · 1.6 ha	35.9 m · 8 fl.
21806F0288/00P000	Brussels	2,158 m²	1 · 632 m²	34.5 m · 10 fl.

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.

Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

28-06-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

13-08-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

Belgian State Gazette reading coverage 0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Activiteiten van tandartspraktijken86230Overige zakelijke dienstverlening, neg82990

Primary activity highlighted.

Names & trade names

Legal nameFR

Marhfour Smiles

Registered office

Ambiorixsquare 30 bus 75

1000 Brussel, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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