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S.M.R. Finances

Active Risk: not assessed
Private limited companyfounded 2024active for 2 yearsBrusselstraat(E) 41, 7850 Enghien, BelgiumKBO/BCE: BE 1014.543.091
Summary

S.M.R. Finances is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €70,280 and a net result of €65,280. Its solvency ranks better than 24% of 1,853 sector peers (NACE 66, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.

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S.M.R. FinancesActive
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Overview

Official details

Source: KBO
Status
Active since 02-10-2024 Normal situation
Activity
Agents and brokers in banking services NACE 66191
Establishment unit
2.366.726.457 7850 Enghien, since 02-10-2024
Financial year end
31 December
Peppol
Reachable since 06-11-2025
Company details

Board and ownership

Board
Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
Profit
€65,280
Equity
€70,280
Total assets
€472,968
Employees on 31-12-2025
3
Financials
Signalsraises riskWeak solvency compared with the sectorYoung companyneutralLatest accounts filed on timeShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

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Signals

Three signals.
raises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 1853 sector peers (2025).
NBB · sector comparison
Position among 1853 sector peers
Solvency
better than 24%
← weakest strongest →
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 years
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 10-06-2026, 51 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
51 days early
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2024.
KBO publications

Recent changes

  1. · Gazette deed IncorporationAppointment: SOTTIAU Marie, Jacqueline, Elvire (director)
All 2 events

Comparable companies

These companies have the same main activity as S.M.R. Finances: agents and brokers in banking services (NACE 66191). They are comparable in size and age: total assets between €332,000 and €853,000, founded between 2020 and 2024.

CompanyTotal assetsGross margin
S.M.R. Finances Enghien€472,968€288,462
DENAFIN Sivry-Rance€467,297€350,082
ZEMOG FINANCES Nandrin€471,259€294,585
INSUFIN Tielt€853,248€325,030
DEKERF FINANCE Ternat€362,868€359,574
CONSELFIN Harelbeke€513,537€343,834
JEROEN NUYTS Bertem€332,448€198,448
Full comparison

Key facts about S.M.R. Finances
What is the company number of S.M.R. Finances?
The company number of S.M.R. Finances is 1014.543.091. The VAT number is the same number with BE in front: BE 1014.543.091.
Where is S.M.R. Finances based?
The registered office is at Brusselstraat(E) 41, 7850 Enghien.Company details
What does S.M.R. Finances do?
According to the KBO register, the main activity is agents and brokers in banking services (NACE 66191).
What is the legal form of S.M.R. Finances?
The legal form of S.M.R. Finances is Private limited company (BV).
When was S.M.R. Finances founded?
S.M.R. Finances was founded on 02-10-2024.
Is S.M.R. Finances still active?
Yes, S.M.R. Finances is an active enterprise in the KBO register.
How many employees does S.M.R. Finances have?
S.M.R. Finances had an average of 2.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of S.M.R. Finances?
The turnover in financial year 2025 is ≈ €460,000. This figure is estimated from the gross margin of €288,462 and 31 comparable companies (NACE 66). It probably lies between €410,000 and €530,000.
Is S.M.R. Finances profitable?
In financial year 2025, S.M.R. Finances made a profit of €65,280.
Where can I find the annual accounts of S.M.R. Finances?
S.M.R. Finances filed 1 annual account with the National Bank of Belgium, for financial year 2025.

Next steps

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