SM SOLUTIONS
ActiveThe computed 12-month bankruptcy probability of SM SOLUTIONS is 2.4% (moderate). The 2025 annual accounts show equity of €9k and a net result of €6k. Its solvency ranks better than 69% of 27450 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
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency90
Growth-
Track record67
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.88; short-term debt: 35.4% and cash: 8.7% of total assets), and 35.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
64.6%
Return on assets
47.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-08-2026, 23 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
23 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Turnover
€37k
EBIT margin
17.5%
Net result
€6k
Working capital
€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €13k
Fixed assets
€5k
Current assets
€9k
Equity and liabilities €13k
Equity
€9k
Debt
€5k
Debt finances 35.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€8k
Cash flow
€8k
Solvency
64.6%
Current ratio
1.88
Quick ratio
1.88
Debt / equity
0.55
ROE
73.6%
ROA
47.5%
Interest coverage
672.32
Debt
€5k
Debt ≤ 1 year
€5k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€13k
Fixed assets21/28€5k
Tangible fixed assets22/27€5k
Furniture and vehicles24€5k
Current assets29/58€9k
Amounts receivable within one year40/41€8k
Trade receivables40€5k
Other amounts receivable41€3k
Cash at bank and in hand54/58€1k
Equity and liabilities
Total equity and liabilities10/49€13k
Equity10/15€9k
Contributions10/11€2k
Profit (loss) carried forward14€6k
Amounts payable17/49€5k
Amounts payable within one year42/48€5k
Trade debts44€475
Suppliers440/4€475
Other amounts payable47/48€4k
Income statement
Code2025
Turnover70€37k
Goods, raw materials, services and sundry goods60/61€27k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k
Other operating charges640/8€2k
Gross operating margin9900€10k
Operating profit (loss)9901€6k
Financial income75/76B€2
Recurring financial income75€2
Financial charges65/66B€12
Recurring financial charges65€12
Profit (loss) for the period before taxes9903€6k
Profit (loss) for the period9904€6k
Profit (loss) for the period to be appropriated9905€6k
Appropriation of the result
Profit (loss) to be appropriated9906€6k
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
23-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 23 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, Kraainem
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.
Steenweg op Mechelen 4451950 KraainemGround area
3,919 m²
Parcel 22002C0074/00D006, Flanders. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22002C0074/00D006indicative | Flanders | 3,919 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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
Ziant Alain
BE 0462.598.938
Stavelot · Eq €9k
LÜBCKE & CO
BE 0802.652.333
Kelmis · Eq €9k
RDW Group
BE 0764.469.371
Brecht · Eq €9k
SP-Projects
BE 1012.681.384
Gent · Eq €9k
VERVAECKE DAKWERKEN
BE 0597.742.407
Geraardsbergen · Eq €9k
Of 8,558 companies in sector 43410 we hold annual accounts for 4,350. 2,109 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-06-2024
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.