SALES SMART CONCEPT
ActiveThe computed 12-month bankruptcy probability of SALES SMART CONCEPT is 1.5% (moderate). The 2025 annual accounts show equity of €93k and a net result of €20k. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 18% of 7431 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability45▲+15
Solvency35▼-9
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 8.7 against 4.05 in 2024; short-term debt: 11.5% and cash: 0.6% of total assets), but 89.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
10.4%
Return on assets
2.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 7431 sector peers (2025).
NBB · sector comparisonPosition among 7431 sector peers
Solvency
better than 18%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €93k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
6 d late
2024
21 d late
2023
35 d early
2022
31 d early
2021
2 d early
2020
17 d late
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€93k▲ 27.8%
2024 · €72k
2018: €64k
2019: €70k
2020: €95k
2021: €62k
2022: €63k
2023: €70k
2024: €72k
2018 → 2025
Total assets
€887k▲ 137%
2024 · €374k
2018: €89k
2019: €340k
2020: €138k
2021: €170k
2022: €69k
2023: €328k
2024: €374k
2018 → 2025
Net result
€20k▲ 895%
2024 · €2k
2018: €7k
2019: €6k
2020: €25k
2021: €-32k
2022: €913
2023: €9k
2024: €2k
2018 → 2025
Working capital
€781k▲ 182%
2024 · €277k
2018: €52k
2019: €59k
2020: €89k
2021: €62k
2022: €63k
2023: €286k
2024: €277k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€62k-€63k▲ 0.2%€70k▲ 12.5%€72k▲ 2.9%€93k▲ 27.8%
Operating result€-32k-€1k€13k▲ 1,144%€14k▲ 5.2%€35k▲ 161%
Net result€-32k-€913€9k▲ 845%€2k▼ 76.5%€20k▲ 895%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 161% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €887k
Fixed assets
€4k▼ 30.9%
Current assets
€883k▲ 140%
Equity and liabilities €887k
Equity
€93k▲ 27.8%
Debt
€794k▲ 164%
The debt ratio rises from 80.6% to 89.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€37k▲
2024 · €15k
Cash flow
€22k▲
2024 · €4k
Solvency
10.4%▼
2024 · 19.4%
Current ratio
8.70▲
2024 · 4.05
Quick ratio
0.09▼
2024 · 0.64
Debt / equity
8.58▲
2024 · 4.16
ROE
21.8%▲
2024 · 2.8%
ROA
2.3%▲
2024 · 0.5%
Interest coverage
2.83▲
2024 · 1.31
Debt
€794k▲
2024 · €301k
Debt ≤ 1 year
€102k▲
2024 · €91k
Debt > 1 year
€692k▲
2024 · €210k
Income taxes
€2k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€374k€887k▲
Fixed assets21/28€5k€4k▼
Intangible fixed assets21€5k€4k▼
Current assets29/58€368k€883k▲
Stocks and contracts in progress3€310k€874k▲
Stocks30/36€310k€874k▲
Amounts receivable within one year40/41€48k€3k▼
Trade receivables40€47k€766▼
Other amounts receivable41€917€2k▲
Cash at bank and in hand54/58€1k€5k▲
Deferred charges and accrued income490/1€9k€1k▼
Equity and liabilities
Total equity and liabilities10/49€374k€887k▲
Equity10/15€72k€93k▲
Contributions10/11€6k€6k=
Reserves13€64k€64k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€62k€62k=
Profit (loss) carried forward14€2k€22k▲
Amounts payable17/49€301k€794k▲
Amounts payable after more than one year17€210k€692k▲
Financial debts170/4€208k€690k▲
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€91k€102k▲
Current portion of amounts payable after more than one year42€12k€13k▲
Trade debts44€58k€1k▼
Suppliers440/4€58k€1k▼
Taxes, remuneration and social security45-€2k
Taxes450/3-€2k
Other amounts payable47/48€21k€85k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€940€989▲
Gross operating margin9900€16k€38k▲
Operating profit (loss)9901€14k€35k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€12k€13k▲
Recurring financial charges65€12k€13k▲
Profit (loss) for the period before taxes9903€2k€22k▲
Income taxes67/77-€2k
Profit (loss) for the period9904€2k€20k▲
Profit (loss) for the period to be appropriated9905€2k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€22k▲
Profit (loss) brought forward from the previous period14P-€2k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 8.70
Current ratio from 4.05 to 8.70.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €913
Net result €913 after one loss-making year.
31-12
Financial
Liquidity times 7current ratio 11.07
Current ratio from 1.58 to 11.07; short-term debt falls from €107k to €6k.
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet €-32k ▼228%
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
17-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
30-09
Financial
Highest result since 2018net €25k ▲358%
Operating result €41k, net result €25k, both a record.
30-09
Financial
Liquidity triplescurrent ratio 3.06
Current ratio from 1.22 to 3.06; short-term debt falls from €270k to €43k.
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Anderlecht · 1 establishment unit since 2016
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Walcourtstraat 1501070 AnderlechtGround area
1,575 m²
Building footprint
486 m²
Volume, LiDAR
4,437 m³
Parcel 21306D0324/00K000, Brussels · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DMG PROJECTS
since 20162.261.844.614
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21306D0324/00K000 | Brussels | 1,575 m² | 1 · 486 m² | 11.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 13,175 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-2016
Fiscal year end31-12
Trade name FR
DMG PROJECTS
Activities, NACEBEL
41001General construction of residential buildings
43240Other construction installation
43299Specialised construction activities
43990Other specialised construction activities
43995Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:office@dmgprojects.be
Phone:0474/50.88.16