SMB Consulting
ActiveSummary
SMB Consulting has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €105k and a net result of €-3k. Equity is shrinking by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 93% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▲+1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 14.53 against 23.05 in 2024; short-term debt: 6.9% and cash: 0.6% of total assets), and 6.9% 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.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-3k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
61 d late
2023
61 d late
2022
30 d late
2021
29 d late
2020
60 d late
2019
104 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€105k▼ 2.6%
2024 · €108k
2018: €74k
2019: €126k
2020: €120k
2021: €119k
2022: €115k
2023: €112k
2024: €108k
2018 → 2025
Total assets
€113k=
2024 · €113k
2018: €257k
2019: €203k
2020: €200k
2021: €194k
2022: €115k
2023: €119k
2024: €113k
2018 → 2025
Net result
€-3k▲ 19.9%
2024 · €-4k
2018: €-15k
2019: €52k
2020: €-6k
2021: €-897
2022: €-5k
2023: €-3k
2024: €-4k
2018 → 2025
Working capital
€105k▼ 2.6%
2024 · €108k
2018: €11k
2019: €93k
2020: €87k
2023: €112k
2024: €108k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€119k-€115k▼ 3.8%€112k▼ 2.6%€108k▼ 3.2%€105k▼ 2.6%
Operating result€-3k-€-3k▼ 10.1%€-3k▲ 10.7%€-3k▼ 18.4%€-3k▲ 21.1%
Net result€-897-€-5k▼ 407%€-3k▲ 33.5%€-4k▼ 17.3%€-3k▲ 19.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €3k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €113k
Equity
€105k ▼ 2.6%
Debt
€8k ▲ 58.7%
Debt's share of the balance-sheet total rises from 4.3% to 6.9%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
14.53▼
2024 · 23.05
Quick ratio
0.49▼
2024 · 0.77
Debt to equity
0.07▲
2024 · 0.05
ROE
-2.7%▲
2024 · -3.3%
ROA
-2.5%▲
2024 · -3.1%
Debt ≤ 1 year
€8k▲
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 30 lines
Balance sheet
Code20242025
Assets
Total assets20/58€113k€113k=
Current assets29/58€113k€113k=
Stocks and contracts in progress3€109k€109k=
Stocks30/36€109k€109k=
Amounts receivable within one year40/41€3k€3k▲
Other amounts receivable41€3k€3k▲
Cash at bank and in hand54/58€625€642▲
Equity and liabilities
Total equity and liabilities10/49€113k€113k=
Equity10/15€108k€105k▼
Contributions10/11€12k€12k=
Reserves13€114k€114k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€112k€112k=
Profit (loss) carried forward14€-18k€-21k▼
Amounts payable17/49€5k€8k▲
Amounts payable within one year42/48€5k€8k▲
Trade debts44€210-
Suppliers440/4€210-
Other amounts payable47/48€5k€8k▲
Income statement
Code20242025
Other operating charges640/8€569€585▲
Gross operating margin9900€-3k€-2k▲
Operating profit (loss)9901€-3k€-3k▲
Financial charges65/66B€190€194▲
Recurring financial charges65€190€194▲
Profit (loss) for the period before taxes9903€-4k€-3k▲
Profit (loss) for the period9904€-4k€-3k▲
Profit (loss) for the period to be appropriated9905€-4k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€-21k▼
Profit (loss) brought forward from the previous period14P€-15k€-18k▼
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
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
12-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 104 days late
2019
31-12
Financial
Back to profitnet €52k
Net result €52k after one loss-making year.
31-12
Financial
Liquidity times 42current ratio 72.40
Current ratio from 1.72 to 72.40; short-term debt falls from €15k to €1k.
31-12
Financial
Equity above €100kEq €126k ▲70.2%
Equity rises from €74k to €126k.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are 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, Kapellen · 1 establishment unit since 2013
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.
Hazelaardreef 22950 KapellenGround area
2,874 m²
Building footprint
231 m²
Volume, LiDAR
1,102 m³
Parcel 11023K0007/00X022, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SMB Consulting
since 20132.238.280.641
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11023K0007/00X022 | Flanders | 2,874 m² | 1 · 231 m² | 8.7 m · 2 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
Cabinet d'avocats BI Yan
BE 0832.265.938
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FAYAR Legal
BE 1010.152.357
Elsene · Eq €105,170
Dominique Vanherck
BE 0805.370.412
Overijse · Eq €105,309
Monoloog
BE 0753.563.207
Antwerpen · Eq €105,135
Jolius
BE 0803.860.081
Antwerpen · Eq €105,134
Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 7,552 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 (pre-2019)
Founded18-02-2013
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.