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SMAL & CONSORTS

Active
Private limited companyfounded 2011active for 14 yearsPl. des Jardins de Baseilles(EP) 19, 5101 Namur, BelgiumKBO/BCE: BE 0842.248.822

From the official registers: KBO 15 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

SMAL & CONSORTS has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6,494 and a net result of €83,062. Equity has been shrinking by about 20% per year since 2018. If that trend continues, it turns negative around financial year 2028. Its solvency ranks better than 21% of 1,056 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

KBO
Status
Active since 29-12-2011 Normal situation
Activity
Certified accountants and tax accountants NACE 69201
Establishment unit
2.205.898.873 5101 Namur, since 29-12-2011
Financial year end
31 December
Peppol
Reachable since 30-12-2025

Board and ownership

Board
  • SOCOFINAM SRLDirector · since 08-02-2021

Financial position

91 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts 2025
Gross margin
€122,690
▼ 6.1%
Turnover
≈ €230,000
estimated
Profit
€83,062
▼ 10.1%
Equity
€6,494
▼ 60.5%
Total assets
€132,237
▼ 12.5%
Filed on 27-04-2026, 95 days before the deadlinePDF
Score breakdownraises riskEquity €6,494 (4.9% of total assets)lowers riskSector: Legal and accounting activities (NACE 69)Liquidity: current ratio 0.97, cash €38,764Size: total assets €132,237Show the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 29% of micro companies in legal and accounting (NACE 69)
Financial strength · tick: 2024
Average
Solvency 30-6
equity 4.9% of total assets
Liquidity 41+2
short-term debt 83.1% · cash 29.3%
Profitability 100=
return on assets 62.8%
Bankruptcy probability within 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 < 0.1% (20,076 companies, NACE 69, micro)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025highest value 09-2025: < 0.1%▼ -0.1 percentage points vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: 0.1%▲ +0.1 percentage points vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: < 0.1%▼ -0.1 percentage points vs 04-2026lowest value 06-2026: < 0.1%● unchanged vs 05-2026lowest value 07-2026: < 0.1%● unchanged vs 06-2026lowest value 08-2026: < 0.1%● unchanged vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value
Credit of up to €500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.97 (1.06 in 2024), below 1. Short-term debt is 83.1% and cash 29.3% of total assets. 95.1% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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 69, micro). It does better than 10% of them on solvency, 16% on liquidity, 82% on profitability and 9% on growth.

The bankruptcy probability was computed on 31-10-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Sector: Legal and accounting activities (NACE 69)
KBO
raises risk · Equity €6,494 (4.9% of total assets)
NBB · annual accounts
lowers risk · Liquidity: current ratio 0.97, cash €38,764
NBB · annual accounts
lowers risk · Size: total assets €132,237
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 1056 sector peers (2025).
NBB · sector comparison
Position among 1056 sector peers
Solvency
better than 21%
← 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 27-04-2026, 95 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
95 days early
2024
30 days late
2023
8 days late
2022
28 days late
2021
44 days late
2020
29 days late
2019
91 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 19 days after the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% 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. The company usually files around 28 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Less equity than 94% of companies in legal and accountingsector median €248,965 · 1,056 companies €6,494 View
  • Positive: 8 profitable years in a rowprofit 2025: €83,062 8 years View

Comparable companies

These companies have the same main activity as SMAL & CONSORTS: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €130,000 and €152,000, founded between 2011 and 2013.

CompanyTotal assetsGross margin
SMAL & CONSORTS Namur€132,237€122,690
4 SEIGNEURIES.BE Jemeppe-sur-Sambre€150,617€107,936
D&B Fiduce Hastière€141,141€148,268
AVACCO Brugge€137,812€132,150
JD COMPTA Seraing€141,956€107,423
Accoges Hélécine€129,549€112,816
BOEKHOUDKANTOOR VAN ROOY Lille€152,320€111,255
Full comparison

Documents

Annual accounts at the NBB

All 15 annual accounts

Articles and registers

Key facts about SMAL & CONSORTS

What is the company number of SMAL & CONSORTS?
The company number of SMAL & CONSORTS is 0842.248.822. The VAT number is the same number with BE in front: BE 0842.248.822.
Where is SMAL & CONSORTS based?
The registered office is at Pl. des Jardins de Baseilles(EP) 19, 5101 Namur.Company details
What does SMAL & CONSORTS do?
According to the KBO register, the main activity is certified accountants and tax accountants (NACE 69201).
What is the legal form of SMAL & CONSORTS?
The legal form of SMAL & CONSORTS is Private limited company (BV).
When was SMAL & CONSORTS founded?
SMAL & CONSORTS was founded on 29-12-2011.
Is SMAL & CONSORTS still active?
Yes, SMAL & CONSORTS is an active enterprise in the KBO register.
What is the turnover of SMAL & CONSORTS?
The turnover in financial year 2025 is ≈ €230,000. This figure is estimated from the gross margin of €122,690 and 53 comparable companies (NACE 69201). It probably lies between €190,000 and €280,000.Financials
Is SMAL & CONSORTS profitable?
In financial year 2025, SMAL & CONSORTS made a profit of €83,062.
Where can I find the annual accounts of SMAL & CONSORTS?
SMAL & CONSORTS filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts 2025 (PDF)
When are the next annual accounts of SMAL & CONSORTS due?
SMAL & CONSORTS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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