S M M

Active

Private limited companyfounded 20232 yrs activeRuggeveldlaan 542, 2100 Antwerpen, BelgiumKBO/BCE: BE 1001.900.627

Summary

The computed 12-month bankruptcy probability of S M M is 3.1% (moderate). The 2025 annual accounts show equity of €37,760 and a net result of €27,285. Its solvency ranks better than 56% of 9017 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

S M MActiveChecked score 52/100

Risk analysis Report Compare

Activity

General construction of residential buildings

NACE 41001General construction of buildings NACE 41201

1 site

Size

€76,166total assets 2025

Equity: €37,760
Profit: €27,285

Turnover not published (abridged schema)

Financial health

52 Fair Checked score 2025

Bankruptcy chance 12 m: 3.1%

Structure

Accounts on time0 of 1 deed read

Why 52- Founded in 2023- Size: total assets €76,166- Sector Construction of residential and non-residential buildings (NACE 41)+ Equity €37,760 (49.6% of total assets)Show the evidence

Checked score

Score 2025

52 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 61% of its sector peers (NACE 41, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 75

equity 49.6% of total assets

Liquidity 37

short-term debt 50.4% · cash 9.9%

Profitability 100

return on assets 35.8%

Bankruptcy probability, 12 months

3.1% Moderate

0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,373 companies)

Last 24 months 12-2024: 3.6% 01-2025: 3.7%▲ +2.3% vs 12-2024 02-2025: 4.1%▲ +9.8% vs 01-2025 03-2025: 4.2%▲ +3.3% vs 02-2025 04-2025: 4.6%▲ +9.2% vs 03-2025 05-2025: 4.6%● 0.0% vs 04-2025 06-2025: 5.0%▲ +9.1% vs 05-2025 07-2025: 5.0%▼ -0.5% vs 06-2025 08-2025: 4.8%▼ -3.7% vs 07-2025 09-2025: 4.8%▲ +0.7% vs 08-2025 10-2025: 5.3%▲ +8.8% vs 09-2025 11-2025: 5.3%● 0.0% vs 10-2025 12-2025: 5.3%▲ +0.3% vs 11-2025 01-2026: 5.3%● 0.0% vs 12-2025 02-2026: 5.3%● 0.0% vs 01-2026 03-2026: 5.3%● 0.0% vs 02-2026 04-2026: 5.3%● 0.0% vs 03-2026 05-2026: 5.3%● 0.0% vs 04-2026 06-2026: 8.5%▲ +60.7% vs 05-2026highest value 07-2026: 8.4%▼ -1.2% vs 06-2026 08-2026: 3.1%▼ -63.1% vs 07-2026lowest value 09-2026: 3.1%● 0.0% vs 08-2026lowest value 10-2026: 3.1%● 0.0% vs 09-2026lowest value

Founded in 2023 raises the probability for this profile
Size: total assets €76,166 raises the probability for this profile
Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
Equity €37,760 (49.6% of total assets) lowers the probability

Credit up to €1,500 at 30 days acceptable

Liquidity ample (current ratio 1.98; short-term debt: 50.4% and cash: 9.9% of total assets), but 50.4% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 58%, liquidity 33%, profitability 91%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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