Skip to content

SM DINANT

Active
Private limited companyfounded 2024active for 2 yearsPlace Cardinal-Mercier 12, 5500 Dinant, BelgiumKBO/BCE: BE 1007.520.984
Summary

SM DINANT has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €235,532 and a net result of €150,215. Its solvency ranks better than 25% of 12,502 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Overview

Activity
Non-specialised retail sale with food, beverages or tobacco predominating
NACE 47110
#2 employer in Dinant1 site
Size
€1.6mtotal assets 2025
Staff
43.4 FTE
Equity
€235,532
Profit
€150,215
Net result +2,725%: other schema
Financial health
69 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.8%
Structure
Largest shareholder
DUVJEREMY · 33.33%
Accounts on time0 of 1 deed read
Why 69raises riskFounded in 2024Equity €235,532 (14.6% of total assets)lowers riskLiquidity: current ratio 1.10, cash €667,659Profit of €150,215 (financial year 2025)Show the evidence

Checked score

Score 2025
69 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 63% of its sector peers (NACE 47, small)
Financial strength · tick = 2024
Average
Solvency 40+2
equity 14.6% of total assets
Liquidity 56+3
short-term debt 81.1% · cash 41.3%
Profitability 80+11
return on assets 9.3%
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,690 companies, NACE 47, small)
Last 24 months 04-2025: 1.8% 05-2025: 1.8%● unchanged vs 04-2025 06-2025: 1.9%▲ +0.1 percentage points vs 05-2025 07-2025: 2.2%▲ +0.3 percentage points vs 06-2025highest value 08-2025: 1.0%▼ -1.2 percentage points vs 07-2025 09-2025: 1.0%● unchanged vs 08-2025 10-2025: 1.0%● unchanged vs 09-2025 11-2025: 1.1%▲ +0.1 percentage points vs 10-2025 12-2025: 1.1%● unchanged vs 11-2025 01-2026: 1.1%● unchanged vs 12-2025 02-2026: 1.1%● unchanged vs 01-2026 03-2026: 1.1%● unchanged vs 02-2026 04-2026: 1.1%● unchanged vs 03-2026 05-2026: 1.1%● unchanged vs 04-2026 06-2026: 1.0%▼ -0.1 percentage points vs 05-2026 07-2026: 1.1%▲ +0.1 percentage points vs 06-2026 08-2026: 0.9%▼ -0.2 percentage points vs 07-2026 09-2026: 0.9%● unchanged vs 08-2026 10-2026: 0.8%▼ -0.1 percentage points vs 09-2026lowest value
Credit of up to €16,000 on 30-day terms, only on tighter conditions
Liquidity tight (current ratio 1.1, compared with 1.14 in 2024; short-term debt: 81.1% and cash: 41.3% of total assets), and 85.4% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 47, small): better than 28% on solvency, 74% on liquidity, 79% on profitability and 72% on growth.

The bankruptcy probability was computed on 09-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

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

Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Liquidity: current ratio 1.10, cash €667,659
NBB · annual accounts
raises risk · Founded in 2024
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
raises risk · Equity €235,532 (14.6% of total assets)
NBB · annual accounts
lowers risk · Profit of €150,215 (financial year 2025)
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 12502 sector peers (2025).
NBB · sector comparison
Position among 12502 sector peers
Solvency
better than 25%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
on the day
2024
31 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 16 days before the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven months
Where today falls in the filing period
10-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2024.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Annual accounts filedfinancial year 2024 · full…

Key points

  • Positive: Result rose in 2025different schema filed ▲ 2,725% View
  • Positive: Employer in Dinantin the Checked rankings #2 View
  • Total assets 20252 financial years filed €1.6m View

By topic

Financials

Financial year
2025
Total assets
€1.6m
Profit
€150,215
Solvency
14.6%
Total assets▲ 4.5%
Net result
20242025
Go to Financials

Company details

Sites
1
Legal form
Private limited company
Activity
Non-specialised retail sale with food, beverages or tobacco…NACE 47110
Founded
25-03-2024
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.