SLM CONSEILS

Active

Private limited companyfounded 201313 yrs activeLangestraat 95, 1950 Kraainem, BelgiumKBO/BCE: BE 0503.901.736

Summary

SLM CONSEILS has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12,347 and a net result of €3,667. Equity remains stable across the filed fiscal years (±2.4% per year). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

SLM CONSEILSActiveChecked score 95/100

Risk analysis Report Compare

What they do

Activity not known1 site

How big

€14,699total assets 2025

Equity: €12,347
Profit: €3,667

Turnover not published (abridged schema)

Financially healthy?

95 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.1%

Who decides

Accounts filed 13 d late0 of 2 deeds read

Why 95- No main activity registered+ Liquidity: current ratio 5.20, cash €10,389+ Founded in 2013+ Size: total assets €14,699Show the evidence

Checked score

Score 2025

95 / 100

Excellent

Probability in this band: under 0.55%

Better than 83% of its sector peers (no NACE code, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100+4

equity 84.0% of total assets

Liquidity 96+8

short-term debt 16.0% · cash 70.7%

Profitability 99-1

return on assets 24.9%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%● 0.0% vs 12-2024 02-2025: 0.2%● 0.0% vs 01-2025 03-2025: 0.2%▲ +11.2% vs 02-2025 04-2025: 0.2%▲ +8.7% vs 03-2025 05-2025: 0.2%▲ +4.6% vs 04-2025 06-2025: 0.3%▲ +3.2% vs 05-2025 07-2025: 0.3%▲ +17.2% vs 06-2025 08-2025: 0.1%▼ -62.7% vs 07-2025lowest value 09-2025: 0.1%● 0.0% vs 08-2025lowest value 10-2025: 0.1%● 0.0% vs 09-2025lowest value 11-2025: 0.1%● 0.0% vs 10-2025lowest value 12-2025: 0.1%● 0.0% vs 11-2025lowest value 01-2026: 0.2%▲ +35.7% vs 12-2025 02-2026: 0.2%● 0.0% vs 01-2026 03-2026: 0.2%▲ +3.9% vs 02-2026 04-2026: 0.2%▲ +5.1% vs 03-2026 05-2026: 0.2%▲ +3.6% vs 04-2026 06-2026: 0.2%▲ +2.3% vs 05-2026 07-2026: 0.2%▲ +12.5% vs 06-2026 08-2026: 0.4%▲ +97.5% vs 07-2026highest value 09-2026: 0.1%▼ -61.6% vs 08-2026 10-2026: 0.1%● 0.0% vs 09-2026

No main activity registered raises the probability
Liquidity: current ratio 5.20, cash €10,389 lowers the probability
Founded in 2013 lowers the probability for this profile
Size: total assets €14,699 lowers the probability for this profile

Credit up to €1,000 at 30 days acceptable

Liquidity ample (current ratio 5.2 against 2.38 in 2024; short-term debt: 16% and cash: 70.7% of total assets), and 16% 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 (no NACE code, micro). Better than this share of them on solvency 81%, liquidity 87%, profitability 79%, growth against the median 85%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610020317, computed on 02-10-2026. 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.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

No main activity registered

In the bankruptcy model this factor raises the probability.

KBO

Liquidity: current ratio 5.20, cash €10,389

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Founded in 2013

In the bankruptcy model this factor lowers the probability for this profile.

KBO

Size: total assets €14,699

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 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 · 10 filings

Deviation from the deadline

2025

13 d late

2024

23 d early

2023

25 d early

2022

19 d late

2021

25 d late

2020

1 d early

2019

14 d late

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 7 accounts on average 3 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)

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. Usually files around 13 August (4 of the last 5 filed years within 36 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage