SCL SMART
ActiveSummary
SCL SMART has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1,481 and a net result of €65,481. Its solvency ranks better than 10% of 39,312 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 06-02-2025 Normal situation
- Activity
- Business and other management consultancy NACE 70200
- Establishment unit
- 2.370.142.342 1380 Lasne, since 06-02-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 25-11-2025
Board and ownership
- LEQUIME SandraDirector · since 06-02-2025
- LEQUIME Sandra100 sharesdeed of 10-02-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
- Gross margin
- €81,207
- Turnover
- ≈ €170,000
- estimated
- Profit
- €65,481
- Equity
- €1,481
- Total assets
- €99,089
- 2025 accounts filed 17 days after the deadline
Score breakdownraises riskEquity €1,481 (1.5% of total assets)lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Liquidity: current ratio 1.02, cash €29,550Size: total assets €99,089Show the evidence
Checked score
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 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 70, micro). It does better than 10% of them on solvency, 18% on liquidity and 84% on profitability.
The bankruptcy probability was computed on 04-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Searched, nothing found (1)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 17 days after the deadline Filed on 17 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00400676.
Annual accounts 2025 filed on 17-08-2026 at the NBB
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
| Line | 2025 |
|---|---|
| Gross operating margin9900 | €81,207 |
| Operating profit (loss)9901 | €81,207 |
| Financial income75/76B | €1,303 |
| Recurring financial income75 | €1,303 |
| Financial charges65/66B | €21 |
| Recurring financial charges65 | €21 |
| Profit (loss) for the period before taxes9903 | €82,489 |
| Income taxes67/77 | €17,008 |
| Profit (loss) for the period9904 | €65,481 |
| Profit (loss) for the period to be appropriated9905 | €65,481 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €99,089 | |
| Current assets29/58 | €99,089 | |
| Amounts receivable within one year40/41 | €69,264 | |
| Trade receivables40 | €16,386 | |
| Other amounts receivable41 | €52,879 | |
| Cash at bank and in hand54/58 | €29,550 | |
| Deferred charges and accrued income490/1 | €275 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €99,089 | |
| Equity10/15 | €1,481 | |
| Contributions10/11 | €1,000 | |
| Profit (loss) carried forward14 | €481 | |
| Amounts payable17/49 | €97,608 | |
| Amounts payable within one year42/48 | €97,608 | |
| Trade debts44 | €891 | |
| Suppliers440/4 | €891 | |
| Taxes, remuneration and social security45 | €31,717 | |
| Taxes450/3 | €29,017 | |
| Remuneration and social security454/9 | €2,700 | |
| Other amounts payable47/48 | €65,000 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €65,481 |
| Operating cash flow (approximation) | €65,481 |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 320 companies had the same profile as SCL SMART has now. Two years later, 96.6% were still going and 0.9% had gone bankrupt.
- Micro
- under 2 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
That fits the bankruptcy probability of SCL SMART itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 320 companies, not a prediction for SCL SMART. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 17-08-2026 | 2026-00400676 |
Board & ownership
Directors
Owners and capital
Shareholders
- LEQUIME Sandra 100 shares (100%) · €1,000 in cash
Capital transactions
- 10-02-2025 Incorporation · €1,000 · 100 shares
Network & group
SCL SMART shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of SCL SMART. Every other company they run is a node.
Timeline
Deeds, filings and financial milestones
10-02
Gazette deed
IncorporationFounding capital of €1,000 · Founder: LEQUIME Sandra · Founding capital of EUROS 1,000, 100 shares · Appointment: LEQUIME Sandra (director)5 points ▸
- Registered office clause, (1380) Lasne, chemin du Bois Magonette 34
- Board rule, 1
- Director appointment, LEQUIME Sandra (director (not named in the articles))
- Founder, LEQUIME Sandra
- Founding capital, euros 1.000, 100 shares
- The deed holds 4 more points.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 20253 activities
- Le management,consulting ainsi que tous les services qui y sont directement ou indirectement associés,comme l’exploitation d’un bureau d’étude,d’organisation,de conseil et de gestion en matière financière,commerciale,fiscale ou sociale ;
- La prise en charge de prestations de management opérationnel,administratif,financier,commercial ou technique pour des entreprises du secteur du retail et de la restauration ;
- L'accompagnement dans la gestion des ressources humaines,le recrutement et la formation des équipes.
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 25076G0277/00T000 | Wallonia | 1,550 m² | 1 · 155 m² | 6.5 m · 2 |