SM CONSULTING

Active

Private limited companyfounded 20242 yrs activeRue Freddy Terwagne(HOD) 26, 4351 Remicourt, BelgiumKBO/BCE: BE 1013.556.166

Summary

SM CONSULTING has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71,665 and a net result of €69,665. Its solvency ranks better than 60% of 8997 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

SM CONSULTINGActiveChecked score 97/100

Risk analysis Report Compare

Activity

Other business support services

NACE 82990

1 site

Size

€113,954total assets 2025

Equity: €71,665
Profit: €69,665

Turnover not published (abridged schema)

Financial health

97 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.1%

Structure

Accounts filed 31 d late0 of 1 deed read

Why 97- Latest accounts 31 days late; 1 of the last 3 late- Founded in 2024+ Liquidity: current ratio 2.67, cash €92,865+ Sector Office administrative, office support and other business support activities (NACE 82)Show the evidence

Checked score

Score 2025

97 / 100

Excellent

Probability in this band: under 0.55%

Better than 75% of its sector peers (NACE 82, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 88

equity 62.9% of total assets

Liquidity 83

short-term debt 37.1% · cash 81.5%

Profitability 100

return on assets 61.1%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.2% (12,453 companies)

Last 24 months 10-2025: 0.6% 11-2025: 0.6%▲ +3.2% vs 10-2025 12-2025: 0.6%● 0.0% vs 11-2025 01-2026: 0.7%▲ +9.1% vs 12-2025 02-2026: 0.7%▲ +0.6% vs 01-2026 03-2026: 0.7%▲ +11.3% vs 02-2026 04-2026: 0.8%▲ +11.2% vs 03-2026 05-2026: 0.8%▲ +0.7% vs 04-2026 06-2026: 0.8%▼ -1.7% vs 05-2026 07-2026: 0.8%▼ -1.3% vs 06-2026 08-2026: 0.9%▲ +10.7% vs 07-2026highest value 09-2026: 0.1%▼ -93.0% vs 08-2026lowest value 10-2026: 0.1%▲ +9.7% vs 09-2026

Liquidity: current ratio 2.67, cash €92,865 lowers the probability
Sector Office administrative, office support and other business support activities (NACE 82) lowers the probability
Latest accounts 31 days late; 1 of the last 3 late raises the probability
Founded in 2024 raises the probability for this profile

Credit up to €6,000 at 30 days only on tighter terms

Liquidity ample (current ratio 2.67; short-term debt: 37.1% and cash: 81.5% of total assets), and 37.1% 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 82, micro). Better than this share of them on solvency 63%, liquidity 77%, profitability 87%. 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

Liquidity: current ratio 2.67, cash €92,865

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Sector Office administrative, office support and other business support activities (NACE 82)

In the bankruptcy model this factor lowers the probability.

KBO

Latest accounts 31 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Founded in 2024

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

KBO

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 1 filing

Deviation from the deadline

2025

31 d late

← before the deadline after the deadline →

Checked, nothing found (1)

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

31-08-26 Annual accounts filedfiscal year 2025 · micro…

Key points

Positive: Among the best 16% on net resultsector median €16,253 · 8,989 companies €69,665 View
Total assets 2025first fiscal year filed €113,954 View
Active since 2024founded 13-09-2024 2 years View