Checked.be · Company dossierhttps://checked.be/en/c/s-m-0689987823 · as of 02-10-2026
S&M
Active
Private limited company · founded 2018 · 8 yrs activeOudstrijderslaan 34, 9820 Merelbeke-Melle, BelgiumKBO/BCE: BE 0689.987.823
Summary
S&M has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €72,923 and a net result of €3,697. Equity is growing by ~24.3% per year across the filed fiscal years. Its solvency ranks better than 67% of 705 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Why 59- Higher-failure-rate sector- Annual accounts: weaker financial profile- Limited track record- Filed more than 90 days lateShow the evidence
Checked score
Score 2024
Checked score
A figure from 0 to 100 for financial health from the latest annual accounts: the higher, the healthier. Without a figure, the card says why. A low score is a reason to look closely at payment terms and security.
Four sides of financial health side by side. You see at a glance where the company is strong and where it is vulnerable.
Profitability58▼-16
Solvency85▼-2
Growth85=
Track record100
Bankruptcy probability, 12 months
Bankruptcy probability
The chance that this company goes bankrupt within twelve months. A low chance is reassuring; with a higher one, agree shorter payment terms or an advance.
0.7%Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days only on tighter terms
Liquidity ample (current ratio 2.3 against 2.29 in 2023; short-term debt: 40.5% and cash: 21.1% of total assets), and 40.5% of the assets are financed with debt.
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-01-2026, 161 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 82 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 37% of the sector filed late.
Checked, nothing found (1)
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neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
Annual accounts filedfiscal year 2024 · micro…
Annual accounts filedfiscal year 2023 · micro…
Annual accounts filedfiscal year 2022 · micro…
Key points
Caution: Accounts not fileddeadline was 31-07-202663 d lateView
Positive: 6 profitable years in a rowprofit 2024: €3,6976 yearsView