SM RENOVATION
ActiveSummary
The computed 12-month bankruptcy probability of SM RENOVATION is 4.5% (elevated). The 2025 annual accounts show equity of €5k and a net result of €2k. Its solvency ranks better than 31% of 27786 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability72
Solvency54
Growth-
Track record67
Bankruptcy probability, 12 months
4.5%
Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.41; short-term debt: 70.7% and cash: 5.1% of total assets), and 70.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 filingDeviation from the deadline
2025
21 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€5k
Total assets
€16k
Net result
€2k
Working capital
€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €16k
Equity
€5k
Debt
€11k
Debt finances 70.7% of the balance-sheet total.
Key figures and ratios
Current ratio
1.41
Debt to equity
2.41
ROE
47.0%
ROA
13.8%
Debt ≤ 1 year
€11k
Income taxes
€2k
Filed annual accounts As filed with the NBB · 2025 · 26 lines
Balance sheet
Code2025
Assets
Total assets20/58€16k
Current assets29/58€16k
Amounts receivable within one year40/41€15k
Trade receivables40€15k
Cash at bank and in hand54/58€793
Equity and liabilities
Total equity and liabilities10/49€16k
Equity10/15€5k
Profit (loss) carried forward14€5k
Amounts payable17/49€11k
Amounts payable within one year42/48€11k
Trade debts44€5k
Suppliers440/4€5k
Taxes, remuneration and social security45€3k
Taxes450/3€3k
Other amounts payable47/48€2k
Income statement
Code2025
Other operating charges640/8€53
Gross operating margin9900€4k
Operating profit (loss)9901€4k
Financial charges65/66B€115
Recurring financial charges65€115
Profit (loss) for the period before taxes9903€4k
Income taxes67/77€2k
Profit (loss) for the period9904€2k
Profit (loss) for the period to be appropriated9905€2k
Appropriation of the result
Profit (loss) to be appropriated9906€5k
Profit (loss) brought forward from the previous period14P€2k
Timeline · acts, filings and financial milestones
2026
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2024
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Ruslandstraat 61060 Sint-Gillis (bij-Brussel)Ground area
104 m²
Building footprint
104 m²
Volume, LiDAR
1,855 m³
Parcel 21562A0391/00S000, Brussels · tallest building 24.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
SM RENOVATION
since 20242.359.450.269
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21562A0391/00S000 | Brussels | 104 m² | 1 · 104 m² | 24.5 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
BREMS - GHIELENS
BE 0464.247.047
Lierneux · Eq €4,590
JT Consult
BE 0758.931.463
Antwerpen · Eq €4,602
MJK SERVICES
BE 0801.995.010
Linkebeek · Eq €4,585
Deluxe Construction
BE 0757.743.412
Zulte · Eq €4,606
RIMAYA FACADE
BE 0763.548.762
Sint-Jans-Molenbeek · Eq €4,580
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 2,576 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-01-2024
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.