SMF
ActiveSummary
SMF has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2,100 and a net result of €3,599. Equity is growing by ~55.6% per year across the filed fiscal years. Its solvency ranks better than 15% of 4579 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability78▼-6
Solvency29▲+8
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
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Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 4579 sector peers (2025).
NBB · sector comparisonPosition among 4579 sector peers
Solvency
better than 15%
← 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 30-06-2026, 31 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
31 d early
2024
38 d early
2023
43 d early
2022
31 d early
2021
32 d early
2020
5 d early
2019
32 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 21 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% of the sector filed late.
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. Usually files around 29 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€2,100
2024 · -€1,500
Total assets
€50,440▲ 42.3%
2024 · €35,435
Net result
€3,599▼ 14.8%
2024 · €4,227
Working capital
-€5,340▲ 64.1%
2024 · -€14,872
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 81, Services to buildings and landscape activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€3,816-€1,379€9,461€6,421▼ 32.1%€6,742▲ 5.0%
Net result€3,606within the sector's middle half-€1,686below the sector's middle half€7,012within the sector's middle half€4,227within the sector's middle half▼ 39.7%€3,599within the sector's middle half▼ 14.8%
Equity-€11,053below the sector's middle half▲ 24.6%-€12,739below the sector's middle half▼ 15.2%-€5,726below the sector's middle half▲ 55.0%-€1,500below the sector's middle half▲ 73.8%€2,100below the sector's middle half
Total assets€32,171below the sector's middle half▼ 21.7%€34,948below the sector's middle half▲ 8.6%€39,316below the sector's middle half▲ 12.5%€35,435below the sector's middle half▼ 9.9%€50,440below the sector's middle half▲ 42.3%
Debt€43,224▼ 22.5%€47,687▲ 10.3%€45,043▼ 5.5%€36,935▼ 18.0%€48,340▲ 30.9%
Working capital-€15,357below the sector's middle half▲ 29.0%-€15,564below the sector's middle half▼ 1.3%-€5,874within the sector's middle half▲ 62.3%-€14,872below the sector's middle half▼ 153%-€5,340within the sector's middle half▲ 64.1%
Solvency-34.4%below the sector's middle half▲ 1.3pp-36.5%below the sector's middle half▼ 2.1pp-14.6%below the sector's middle half▲ 21.9pp-4.2%below the sector's middle half▲ 10.3pp4.2%below the sector's middle half▲ 8.4pp
Current ratio0.63below the sector's middle half▲ 0.030.67below the sector's middle half▲ 0.040.87below the sector's middle half▲ 0.200.60below the sector's middle half▼ 0.270.89within the sector's middle half▲ 0.29
Return on assets (ROA)11.2%within the sector's middle half▲ 47.3pp-4.8%below the sector's middle half▼ 16.0pp17.8%above the sector's middle half▲ 22.7pp11.9%within the sector's middle half▼ 5.9pp7.1%within the sector's middle half▼ 4.8pp
Staff (FTE)1
above
within
below
the middle half (P25 to P75) of NACE 81, Services to buildings and landscape activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50,440
Fixed assets
€7,440 ▼ 44.4%
Current assets
€43,000 ▲ 94.9%
Equity and liabilities €50,440
Equity
€2,100
Debt
€48,340
Debt finances 95.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€12,674▲
2024 · €10,993
Cash flow
€9,532▲
2024 · €8,799
Debt to equity
23.02▲
2024 · -24.63
ROE
171.4%
Interest coverage
69.89▲
2024 · 11.18
Debt ≤ 1 year
€48,340▲
2024 · €36,935
Income taxes
€2,961▲
2024 · €1,211
Staff costs
€21,903▲
2024 · €15,621
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,151 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,151 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €13,077 | €9,913 | €8,170 | €15,621 | €21,903 | ▲ 40.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,678 | €2,678 | €2,678 | €4,572 | €5,932 | ▲ 29.7% |
| Other operating charges640/8 | €705 | €723 | €1,645 | €1,355 | €2,793 | ▲ 106% |
| Gross operating margin9900 | €20,277 | €11,935 | €21,954 | €27,969 | €37,370 | ▲ 33.6% |
| Operating profit (loss)9901 | €3,816 | -€1,379 | €9,461 | €6,421 | €6,742 | ▲ 5.0% |
| Financial income75/76B | €1 | - | €216 | €1 | - | - |
| Recurring financial income75 | €1 | - | €216 | €1 | - | - |
| Financial charges65/66B | €211 | €306 | €469 | €983 | €181 | ▼ 81.6% |
| Recurring financial charges65 | €211 | €306 | €469 | €983 | €181 | ▼ 81.6% |
| Profit (loss) for the period before taxes9903 | €3,606 | -€1,686 | €9,208 | €5,438 | €6,560 | ▲ 20.6% |
| Income taxes67/77 | - | - | €2,196 | €1,211 | €2,961 | ▲ 144% |
| Profit (loss) for the period9904 | €3,606 | -€1,686 | €7,012 | €4,227 | €3,599 | ▼ 14.8% |
| Profit (loss) for the period to be appropriated9905 | €3,606 | -€1,686 | €7,012 | €4,227 | €3,599 | ▼ 14.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €32,171 | €34,948 | €39,316 | €35,435 | €50,440 | ▲ 42.3% |
| Fixed assets21/28 | €5,504 | €2,826 | €147 | €13,372 | €7,440 | ▼ 44.4% |
| Tangible fixed assets22/27 | €5,504 | €2,826 | €147 | €13,372 | €7,440 | ▼ 44.4% |
| Plant, machinery and equipment23 | €433 | €217 | - | - | - | - |
| Furniture and vehicles24 | €5,071 | €2,609 | €147 | €13,372 | €7,440 | ▼ 44.4% |
| Current assets29/58 | €26,667 | €32,122 | €39,169 | €22,063 | €43,000 | ▲ 94.9% |
| Amounts receivable after more than one year29 | €25,772 | - | - | - | - | - |
| Trade receivables290 | €20,905 | - | - | - | - | - |
| Other amounts receivable291 | €4,867 | - | - | - | - | - |
| Amounts receivable within one year40/41 | - | €31,257 | €16,516 | €21,276 | €41,203 | ▲ 93.7% |
| Trade receivables40 | - | €30,149 | €16,176 | €20,325 | €40,030 | ▲ 97.0% |
| Other amounts receivable41 | - | €1,107 | €340 | €951 | €1,172 | ▲ 23.2% |
| Cash at bank and in hand54/58 | €895 | €866 | €21,618 | €787 | €1,578 | ▲ 101% |
| Deferred charges and accrued income490/1 | - | - | €1,035 | - | €219 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €32,171 | €34,948 | €39,316 | €35,435 | €50,440 | ▲ 42.3% |
| Equity10/15 | -€11,053 | -€12,739 | -€5,726 | -€1,500 | €2,100 | ▲ 240% |
| Contributions10/11 | €2 | €2 | €2 | €2 | €2 | = |
| Reserves13 | €0 | €0 | €0 | €0 | €0 | = |
| Non-distributable reserves130/1 | €0 | €0 | €0 | €0 | €0 | = |
| Reserves not available under the articles1311 | €0 | €0 | €0 | €0 | €0 | = |
| Profit (loss) carried forward14 | -€11,055 | -€12,741 | -€5,729 | -€1,502 | €2,098 | ▲ 240% |
| Amounts payable17/49 | €43,224 | €47,687 | €45,043 | €36,935 | €48,340 | ▲ 30.9% |
| Amounts payable within one year42/48 | €42,024 | €47,687 | €45,043 | €36,935 | €48,340 | ▲ 30.9% |
| Trade debts44 | €41,004 | €44,679 | €35,098 | €26,396 | €34,072 | ▲ 29.1% |
| Suppliers440/4 | €41,004 | €44,679 | €35,098 | €26,396 | €34,072 | ▲ 29.1% |
| Taxes, remuneration and social security45 | €1,020 | €2,804 | €5,765 | €5,854 | €11,538 | ▲ 97.1% |
| Taxes450/3 | - | - | €2,196 | €3,407 | €4,656 | ▲ 36.7% |
| Remuneration and social security454/9 | €1,020 | €2,804 | €3,570 | €2,447 | €6,882 | ▲ 181% |
| Other amounts payable47/48 | - | €204 | €4,179 | €4,685 | €2,730 | ▼ 41.7% |
| Accrued charges and deferred income492/3 | €1,200 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,606 | -€1,686 | €7,012 | €4,227 | €3,599 | ▼ 14.8% |
| + Depreciation and write-downs630 | €2,678 | €2,678 | €2,678 | €4,572 | €5,932 | ▲ 29.7% |
| Operating cash flow (approximation) | €6,284 | €993 | €9,691 | €8,799 | €9,532 | ▲ 8.3% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€17,797 | €0 | ▲ 100% |
| Change in cash | - | -€29 | €20,752 | -€20,831 | €792 | ▲ 104% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €7,012
Net result €7,012 after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €3,606
Net result €3,606 after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet -€14,815
Net result drops to -€14,815, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Antwerpen · 1 establishment unit since 2018
Ground area
681 m²
Building footprint
232 m²
Volume, LiDAR
3,559 m³
Parcel 11012A0259/00B003, Flanders · tallest building 18.0 m, ±6 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
SMF
since 20182.274.256.258
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11012A0259/00B003 | Flanders | 681 m² | 1 · 232 m² | 18.0 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 6,996 companies in sector 81220 we hold annual accounts for 2,414. 525 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-03-2018
Fiscal year end31-12
Activities, NACEBEL 2025
81220Other building cleaning and industrial cleaning
E-invoicing
Reachable via Peppol
Peppol ID
0208:0692766575
Also
9925:BE0692766575
Registered
20-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.