SMCC CONSULTING
ActiveSummary
SMCC CONSULTING has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €186k and a net result of €42k. Equity is growing by ~36.1% per year across the filed fiscal years. Its solvency ranks better than 90% of 787 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▼-6
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 9.04 against 6.91 in 2024; short-term debt: 10.7% and cash: 80.6% of total assets), and 11.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 · 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
88.4%
Return on assets
20.2%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
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 13-03-2026, 140 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
140 d early
2024
35 d early
2023
27 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
€186k▲ 29.5%
2024 · €144k
2023: €82k
2024: €144k
2023 → 2025
Total assets
€210k▲ 26.1%
2024 · €167k
2023: €115k
2024: €167k
2023 → 2025
Net result
€42k▼ 30.7%
2024 · €61k
2023: €77k
2024: €61k
2023 → 2025
Working capital
€182k▲ 32.3%
2024 · €137k
2023: €83k
2024: €137k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€82k-€144k▲ 74.2%€186k▲ 29.5%
Operating result€98k-€78k▼ 20.9%€54k▼ 29.8%
Net result€77k-€61k▼ 21.0%€42k▼ 30.7%
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 30% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €210k
Fixed assets
€6k ▼ 3.4%
Current assets
€204k ▲ 27.3%
Equity and liabilities €210k
Equity
€186k ▲ 29.5%
Debt
€24k ▲ 4.9%
Debt's share of the balance-sheet total falls from 13.9% to 11.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€56k▼
2024 · €79k
Cash flow
€44k▼
2024 · €62k
Current ratio
9.04▲
2024 · 6.91
Debt to equity
0.13▼
2024 · 0.16
ROE
22.8%▼
2024 · 42.6%
ROA
20.2%▼
2024 · 36.7%
Interest coverage
652.35▼
2024 · 936.08
Debt ≤ 1 year
€23k▼
2024 · €23k
Income taxes
€12k▼
2024 · €16k
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€167k€210k▲
Fixed assets21/28€6k€6k▼
Tangible fixed assets22/27€6k€6k▼
Land and buildings22€4k€4k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€363€1k▲
Current assets29/58€160k€204k▲
Amounts receivable within one year40/41€7k€33k▲
Trade receivables40€7k€33k▲
Cash at bank and in hand54/58€152k€169k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€167k€210k▲
Equity10/15€144k€186k▲
Contributions10/11€5k€5k=
Reserves13€139k€181k▲
Distributable reserves133€139k€181k▲
Amounts payable17/49€23k€24k▲
Amounts payable within one year42/48€23k€23k▼
Trade debts44€876€2k▲
Suppliers440/4€876€2k▲
Taxes, remuneration and social security45€21k€21k▼
Taxes450/3€21k€21k▼
Other amounts payable47/48€2k€154▼
Accrued charges and deferred income492/3€0€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€62€705▲
Gross operating margin9900€79k€56k▼
Operating profit (loss)9901€78k€54k▼
Financial charges65/66B€84€85▲
Recurring financial charges65€84€85▲
Profit (loss) for the period before taxes9903€77k€54k▼
Income taxes67/77€16k€12k▼
Profit (loss) for the period9904€61k€42k▼
Profit (loss) for the period to be appropriated9905€61k€42k▼
Appropriation of the result
Profit (loss) to be appropriated9906€61k€42k▼
Transfer to equity691/2€61k€42k▼
To other reserves6921€61k€42k▼
The notes to these accounts (9 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
13-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €42k ▼30.7%
Net result drops to €42k, the lowest in the series.
31-12
Financial
Equity above €150kEq €186k ▲29.5%
3 profitable years in a row build equity to €186k.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €144k ▲74.2%
2 profitable years in a row build equity to €144k.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Lummen · 1 establishment unit since 2022
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.
Mangelbeekstraat 803560 LummenGround area
1,285 m²
Building footprint
156 m²
Volume, LiDAR
661 m³
Parcel 71542D1913/00Z000, Flanders · tallest building 6.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SMCC CONSULTING
since 20222.337.318.433
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71542D1913/00Z000 | Flanders | 1,285 m² | 1 · 156 m² | 6.3 m · 1 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
ITZU PROJECT SOURCING
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ELEVATE PEOPLE
BE 0646.956.445
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time2develop
BE 0646.678.808
Bonheiden · Eq €186,545
ADD VALUE
BE 0474.623.968
Schaarbeek · Eq €184,864
NAVIP
BE 0825.948.961
Zemst · Eq €184,556
Of 2,361 companies in sector 78100 we hold annual accounts for 1,364. 1,071 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
Founded17-10-2022
Fiscal year end31-12
Activities, NACEBEL 2025
78100Employment placement agencies
78200Temporary employment agencies and other provision of personnel
82100Office administrative and support services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.