SM BATI

Active

Private limited companyfounded 20224 yrs activeRue des Bluets(PER) 11, 7134 Binche, BelgiumKBO/BCE: BE 0791.410.330

Summary

SM BATI has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €83,838 and a net result of €21,952. Equity is growing by ~23.8% per year across the filed fiscal years. Its solvency ranks better than 57% of 32341 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).

Risk analysisWatch Report Compare

SM BATIActiveChecked score 65/100

Risk analysis Report Compare

Activity

Bricklaying and masonry work

NACE 43910NACE 43994

1 site

Size

€156,202total assets 2025

Equity: €83,838
Profit: €21,952

Turnover not published (abridged schema)

Financial health

65 Healthy Checked score 2025

Bankruptcy chance 12 m: 1.4%

Structure

Accounts filed 28 d late0 of 3 deeds read

Why 65- Size: total assets €156,202- Founded in 2022- Sector Specialised construction activities (NACE 43)+ Figures for FY 2025 (filed 28-08-2026)Show the evidence

Checked score

Score 2025

65 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 63% of its sector peers (NACE 43, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 79+9

equity 53.7% of total assets

Liquidity 51+2

short-term debt 21.3% · cash 6.4%

Profitability 86+23

return on assets 14.1%

Bankruptcy probability, 12 months

1.4% 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% (47,046 companies)

Last 24 months 11-2024: 0.4%lowest value 12-2024: 0.4%● 0.0% vs 11-2024lowest value 01-2025: 0.4%● 0.0% vs 12-2024lowest value 02-2025: 0.4%● 0.0% vs 01-2025lowest value 03-2025: 0.4%● 0.0% vs 02-2025lowest value 04-2025: 0.5%▲ +4.5% vs 03-2025 05-2025: 0.5%▼ -1.9% vs 04-2025 06-2025: 0.5%▼ -1.3% vs 05-2025 07-2025: 0.5%▲ +7.5% vs 06-2025 08-2025: 0.9%▲ +83.5% vs 07-2025 09-2025: 2.3%▲ +155% vs 08-2025 10-2025: 2.3%● 0.0% vs 09-2025 11-2025: 2.3%● 0.0% vs 10-2025 12-2025: 2.3%● 0.0% vs 11-2025 01-2026: 2.3%● -0.0% vs 12-2025 02-2026: 2.3%● 0.0% vs 01-2026 03-2026: 2.3%● 0.0% vs 02-2026 04-2026: 2.4%▲ +4.2% vs 03-2026 05-2026: 2.4%▲ +0.1% vs 04-2026 06-2026: 2.0%▼ -14.1% vs 05-2026 07-2026: 2.1%▲ +3.4% vs 06-2026 08-2026: 2.7%▲ +28.0% vs 07-2026highest value 09-2026: 1.4%▼ -48.5% vs 08-2026 10-2026: 1.4%● 0.0% vs 09-2026

Size: total assets €156,202 raises the probability for this profile
Founded in 2022 raises the probability for this profile
Sector Specialised construction activities (NACE 43) raises the probability
Figures for FY 2025 (filed 28-08-2026) lowers the probability

Credit up to €5,000 at 30 days acceptable

Liquidity ample (current ratio 3.88 against 1.38 in 2024; short-term debt: 21.3% and cash: 6.4% of total assets), and 46.3% 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 (NACE 43, micro). Better than this share of them on solvency 58%, liquidity 45%, profitability 71%, growth against the median 77%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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

Size: total assets €156,202

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

NBB · annual accounts

Founded in 2022

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

KBO

Sector Specialised construction activities (NACE 43)

In the bankruptcy model this factor raises the probability.

KBO

Figures for FY 2025 (filed 28-08-2026)

In the bankruptcy model this factor lowers the probability.

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 28-08-2026, 28 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 · 3 filings

Deviation from the deadline

2025

28 d late

2024

30 d late

2023

20 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 26 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed 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 28 August (3 of the last 3 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

03-10-2026 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