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S.M.O.K.

Active
Private limited company (pre-2019)founded 2013active for 12 yearsAvenue des Dessus de Lives(LO) 2, 5101 Namur, Belgium142 active companies are registered at this addressKBO/BCE: BE 0541.810.326

The file of S.M.O.K. contains 2 historical bankruptcy publications, as published in the Belgian Official Gazette.

Summary

The computed 12-month bankruptcy probability is 1.0% (low). The 2025 annual accounts show equity of €278,898 and a net result of €11,788. Equity is growing by about 19% per year across the filed financial years. Its solvency ranks better than 69% of 34,718 sector peers (NACE 43, financial year 2025).

Risk analysisFollow ReportCompare
S.M.O.K.ActiveChecked score 67/100
Risk analysis ReportCompare

Overview

Activity
Other specialised construction activities
NACE 43990
1 site
Size
€437,310total assets 2025
Equity
€278,898
Profit
€11,788
Turnover not published (micro format)
Financial health
67 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.0%
Structure
2025 accounts filed 70 days late1 of 3 deeds summarised
Why 67raises riskLast filed accounts filed 70 days late; 3 of the last 3 lateSector: Specialised construction activities (NACE 43)Liquidity: current ratio 3.41, cash €5,876lowers riskFounded in 2013Show the evidence

Checked score

Score 2025
67 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 47% of its sector peers (NACE 43, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 89-11
equity 63.8% of total assets
Liquidity 42-8
short-term debt 25.5% · cash 1.3%
Profitability 72-2
return on assets 2.7%
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,640 companies, NACE 43, micro)
Last 24 months 11-2024: 15.1%highest value 12-2024: 15.1%● unchanged vs 11-2024highest value 01-2025: 15.1%● unchanged vs 12-2024highest value 02-2025: 15.1%● unchanged vs 01-2025highest value 03-2025: 15.1%● unchanged vs 02-2025highest value 04-2025: 14.8%▼ -0.3 percentage points vs 03-2025 05-2025: 14.8%● unchanged vs 04-2025 06-2025: 14.8%● unchanged vs 05-2025 07-2025: 14.8%● unchanged vs 06-2025 08-2025: 13.6%▼ -1.2 percentage points vs 07-2025 09-2025: 13.6%● unchanged vs 08-2025 10-2025: 8.6%▼ -5.0 percentage points vs 09-2025 11-2025: 8.6%● unchanged vs 10-2025 12-2025: 8.6%● unchanged vs 11-2025 01-2026: 8.6%● unchanged vs 12-2025 02-2026: 8.6%● unchanged vs 01-2026 03-2026: 8.6%● unchanged vs 02-2026 04-2026: 8.6%● unchanged vs 03-2026 07-2026: 2.8% 08-2026: 3.2%▲ +0.4 percentage points vs 07-2026 09-2026: 3.5%▲ +0.3 percentage points vs 08-2026 10-2026: 1.0%▼ -2.5 percentage points vs 09-2026lowest value
Credit of up to €18,000 on 30-day terms, only on tighter conditions: historical bankruptcy publications
Liquidity ample (current ratio 3.41, compared with 4.95 in 2024, above the usual 1.5; short-term debt: 25.5% and cash: 1.3% of total assets), and 36.2% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro): better than 69% on solvency, 32% on liquidity, 42% on profitability and 46% on growth.

The bankruptcy probability was computed on 26-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Last filed accounts filed 70 days late; 3 of the last 3 late
NBB · filings
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
lowers risk · Founded in 2013
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Liquidity: current ratio 3.41, cash €5,876
NBB · annual accounts
neutral · Prior bankruptcy
Earlier bankruptcy on record in the Belgian Official Gazette, no current open procedure.
Belgian Official Gazette
raises risk · 2025 accounts filed 70 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-10-2026, 70 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
70 days late
2024
272 days late
2023
635 days late
2022
1001 days late
2021
68 days late
2019
119 days late
2018
124 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 327 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 April (4 of the last 5 filed years within 364 days of that day).
Companies Code · seven months
Where today falls in the filing period
27-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Bankruptcy reversalEnterprise Court of Liège, Namur…
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Positive: Among the best 10% on equitysector median €57,815 · 34,730 companies €278,898 View
  • Caution: Latest accounts filed lateafter the legal deadline 70 days View
  • Positive: 7 profitable years in a rowprofit 2025: €11,788 7 years View

By topic

Financials

Financial year
2025
Total assets
€437,310
Profit
€11,788
Solvency
63.8%
Total assets▲ 23.8%
Net result
20182025
Go to Financials

Timeline

Events
18
Since
2015
Next accounts
by 31-07-2027
  1. 27-04-2026Annual accounts filed
  2. 27-04-2026Annual accounts filed
  3. 22-04-2026Opening
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Other specialised construction activitiesNACE 43990
Founded
12-11-2013
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Key facts about S.M.O.K.

What is the company number of S.M.O.K.?
0541.810.326. In Belgium the VAT number is the company number with BE in front: BE 0541.810.326.
Where is S.M.O.K. based?
The registered office is at Avenue des Dessus de Lives(LO) 2, 5101 Namur.Company details
What does S.M.O.K. do?
According to the KBO register, the main activity is other specialised construction activities (NACE 43990).
What is the legal form of S.M.O.K.?
Private limited company (pre-2019) (BVBA).
When was S.M.O.K. founded?
On 12-11-2013.
Is S.M.O.K. still active?
Yes, S.M.O.K. is an active enterprise in the KBO register.
What is the turnover of S.M.O.K.?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is S.M.O.K. profitable?
In financial year 2025, S.M.O.K. made a profit of €11,788.
Where can I find the annual accounts of S.M.O.K.?
S.M.O.K. filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of S.M.O.K. due?
By 31-07-2027, for financial year 2026.Timeline

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