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SMANS FINANCE

Active Risk: not assessed
Private limited companyfounded 2011active for 15 yearsVeldstraat 21, 2450 Meerhout, BelgiumKBO/BCE: BE 0832.882.778
Summary

SMANS FINANCE is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.7m and a net result of €87,523. Equity has been growing by about 7.7% per year since 2018. Its solvency ranks better than 66% of 9,754 sector peers (NACE 64, financial year 2025). The company has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals.

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SMANS FINANCEActive
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Overview

Official details

Source: KBO
Status
Active since 11-01-2011 Normal situation
Activity
Activities of holding companies NACE 64210
Establishment unit
2.198.398.102 2450 Meerhout, since 11-01-2011
Financial year end
31 December
Peppol
Reachable
Company details

Board and ownership

Board
  • JM CAPITALDirector · permanent representative VAN HOOF Johan
Shareholders
Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
Profit
€87,523
▼ 74.6%
Equity
€1.7m
▲ 5.8%
Total assets
€2.5m
▲ 0.7%
  • 2025 accounts filed 61 days after the deadline
Financials
Signalsraises risk2025 accounts filed 61 days lateShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

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Signals

1 signal.
raises risk
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
61 days late
2024
117 days late
2023
61 days late
2022
27 days late
2021
290 days late
2020
40 days late
2019
135 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 104 days after the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% 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 1 October (4 of the last 5 accounts filed within 55 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 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: Result fell in 2025from €345,021 to €87,523 ▼ 74.6% View
  • Positive: More equity than 95% of companies in financial servicessector median €124,209 · 9,761 companies €1.7m View
  • Caution: Board changedlatest change 12-06-2026 · 1 in office 1 joined · 1 left View
  • Positive: 8 profitable years in a rowprofit 2025: €87,523 8 years View

Recent changes

  1. · Gazette deed Change of role: JM CAPITAL, from manager to directorResignation: Garage Hercules (manager) · Permanent representative: VAN HOOF Johan
  2. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as SMANS FINANCE: activities of holding companies (NACE 64210). They are comparable in size and age: total assets between €2.1m and €2.9m, founded between 2010 and 2011.

CompanyTotal assetsGross margin
SMANS FINANCE Meerhout€2.5m€0.1m
FVD Hoogstraten€2.4m€0.2m
OBOLUS Turnhout€2.9m€0.1m
EMEL Balen€2.2m€0.1m
ADK Holding Turnhout€2.9m€0.1m
Farma Jonkers Balen€2.1m€0.1m
POEKA Mol€2.7m€0.2m
Full comparison

Key facts about SMANS FINANCE
What is the company number of SMANS FINANCE?
The company number of SMANS FINANCE is 0832.882.778. The VAT number is the same number with BE in front: BE 0832.882.778.
Where is SMANS FINANCE based?
The registered office is at Veldstraat 21, 2450 Meerhout.Company details
What does SMANS FINANCE do?
According to the KBO register, the main activity is activities of holding companies (NACE 64210).
What is the legal form of SMANS FINANCE?
The legal form of SMANS FINANCE is Private limited company (BV).
When was SMANS FINANCE founded?
SMANS FINANCE was founded on 11-01-2011.
Is SMANS FINANCE still active?
Yes, SMANS FINANCE is an active enterprise in the KBO register.
What is the turnover of SMANS FINANCE?
The turnover in financial year 2025 is ≈ €230,000. This figure is estimated from the gross margin of €146,573 and 32 comparable companies (NACE 64210). It probably lies between €190,000 and €280,000.Financials
Is SMANS FINANCE profitable?
In financial year 2025, SMANS FINANCE made a profit of €87,523.
Where can I find the annual accounts of SMANS FINANCE?
SMANS FINANCE filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of SMANS FINANCE due?
SMANS FINANCE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

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