Financials
- Fiscal year
- 2025
- Total assets
- €66,098
- Profit
- €45,071
- Solvency
- 71.2%
Smets Senne
ActiveSummary
Smets Senne has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47,071 and a net result of €45,071. Its solvency ranks better than 76% of 32341 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Overview
Activity
Joinery installation
NACE 43320
1 site
Size
€66,098total assets 2025
- Equity
- €47,071
- Profit
- €45,071
Turnover not published (abridged schema)
Structure
Accounts 149 d early
Why 72- Size: total assets €66,098- Founded in 2024+ Liquidity: current ratio 2.37, cash €18,588+ Equity €47,071 (71.2% of total assets)Show the evidence
Checked score
Score 2025
72
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 80% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength
Strong
Solvency
96
equity 71.2% of total assets
Liquidity
73
short-term debt 28.8% · cash 28.1%
Profitability
100
return on assets 68.2%
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 1.9%
02-2026: 1.9%● 0.0% vs 01-2026
03-2026: 2.0%▲ +4.7% vs 02-2026highest value
04-2026: 0.6%▼ -71.7% vs 03-2026lowest value
05-2026: 0.6%▲ +3.4% vs 04-2026
06-2026: 0.6%▲ +2.1% vs 05-2026
07-2026: 0.6%▲ +6.1% vs 06-2026
08-2026: 0.6%● 0.0% vs 07-2026
09-2026: 0.6%▲ +3.0% vs 08-2026
10-2026: 0.6%▼ -1.6% vs 09-2026
- Liquidity: current ratio 2.37, cash €18,588 lowers the probability
- Size: total assets €66,098 raises the probability for this profile
- Founded in 2024 raises the probability for this profile
- Equity €47,071 (71.2% of total assets) lowers the probability
Credit up to €3,000 at 30 days acceptable
Liquidity ample (current ratio 2.37; short-term debt: 28.8% and cash: 28.1% of total assets), and 28.8% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 77%, liquidity 72%, profitability 93%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 04-03-2026, 149 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
149 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
- 04-03-2026Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Joinery installationNACE 43320
- Founded
- 18-12-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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