SMBL
ActiveSummary
SMBL has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €36k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▲+1
Solvency27▼-44
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
2.4%
Return on assets
16.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 9460 sector peers (2025).
NBB · sector comparisonPosition among 9460 sector peers
Solvency
better than 10%
← 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 25-03-2026, 128 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
128 d early
2024
58 d early
2023
64 d early
2022
52 d early
← 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
€5k▼ 95.5%
2024 · €114k
2022: €30k
2023: €73k
2024: €114k
2022 → 2025
Total assets
€214k▼ 12.6%
2024 · €245k
2022: €208k
2023: €273k
2024: €245k
2022 → 2025
Net result
€36k▼ 10.7%
2024 · €40k
2022: €25k
2023: €43k
2024: €40k
2022 → 2025
Working capital
€-109k▼ 1,071%
2024 · €-9k
2022: €-120k
2023: €-66k
2024: €-9k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€30k-€73k▲ 143%€114k▲ 54.8%€5k▼ 95.5%
Operating result€42k-€66k▲ 57.4%€60k▼ 8.0%€53k▼ 12.1%
Net result€25k-€43k▲ 71.3%€40k▼ 6.9%€36k▼ 10.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €214k
Fixed assets
€117k ▼ 8.9%
Current assets
€98k ▼ 16.7%
Equity and liabilities €214k
Equity
€5k ▼ 95.5%
Debt
€209k ▲ 59.0%
Debt's share of the balance-sheet total rises from 53.6% to 97.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€71k▼
2024 · €78k
Cash flow
€54k▼
2024 · €58k
Current ratio
0.47▼
2024 · 0.93
Debt to equity
40.90▲
2024 · 1.16
ROE
703.0%▲
2024 · 35.4%
ROA
16.8%▲
2024 · 16.4%
Interest coverage
13.36▲
2024 · 9.93
Debt ≤ 1 year
€206k▲
2024 · €126k
Income taxes
€12k▼
2024 · €12k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€245k€214k▼
Fixed assets21/28€128k€117k▼
Intangible fixed assets21€118k€101k▼
Tangible fixed assets22/27€10k€16k▲
Land and buildings22-€7k
Plant, machinery and equipment23€9k€8k▼
Furniture and vehicles24€1k€1k▼
Current assets29/58€117k€98k▼
Amounts receivable within one year40/41€28k€40k▲
Trade receivables40€28k€40k▲
Cash at bank and in hand54/58€86k€56k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€245k€214k▼
Equity10/15€114k€5k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€109k€113▼
Amounts payable17/49€131k€209k▲
Amounts payable within one year42/48€126k€206k▲
Trade debts44€8k€2k▼
Suppliers440/4€8k€2k▼
Taxes, remuneration and social security45€41k€33k▼
Taxes450/3€39k€30k▼
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€78k€172k▲
Accrued charges and deferred income492/3€5k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k▲
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A-€53
Gross operating margin9900€80k€73k▼
Operating profit (loss)9901€60k€53k▼
Financial income75/76B-€36
Recurring financial income75-€36
Financial charges65/66B€8k€5k▼
Recurring financial charges65€8k€5k▼
Profit (loss) for the period before taxes9903€52k€48k▼
Income taxes67/77€12k€12k▼
Profit (loss) for the period9904€40k€36k▼
Profit (loss) for the period to be appropriated9905€40k€36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€109k€145k▲
Profit (loss) brought forward from the previous period14P€68k€109k▲
Profit to be distributed694/7-€145k
Return on contributions (dividend)694-€145k
The notes to these accounts (8 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
25-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €114k ▲54.8%
3 profitable years in a row build equity to €114k.
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €43k ▲71.3%
Operating result €66k, net result €43k, both a record.
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Neupré · 1 establishment unit since 2021
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.
Rue Strivay(PLX) 34122 NeupréGround area
1,396 m²
Building footprint
159 m²
Volume, LiDAR
737 m³
Parcel 62081C0520/00D000, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SMBL
since 20212.325.438.507
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62081C0520/00D000 | Wallonia | 1,396 m² | 1 · 159 m² | 7.8 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
L&N
BE 0807.146.896
Lier · Eq €5,122
LIBERTY CAP
BE 0719.591.134
Dilbeek · Eq €5,091
CJ STABILITY
BE 1027.086.280
Manhay · Eq €5,082
EDIFIS INGENIERIE
BE 0806.655.067
Anderlecht · Eq €5,150
MD & CI Belgium
BE 0630.997.371
Brussel · Eq €5,151
Of 11,550 companies in sector 71121 we hold annual accounts for 6,563. 1,916 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
Founded23-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
41001General construction of residential buildings
41003General construction of other non-residential buildings
46190Agents in non-specialised wholesale trade
85599Other education
86931Psychology services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.