The computed 12-month bankruptcy probability of SMG LUXE AUTO is 5.6% (elevated). The 2025 annual accounts show equity of €23,029. Equity remains stable across the filed financial years (±0% per year). Its solvency ranks better than 40% of 5,823 sector peers (NACE 49, financial year 2025). The company has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals.
2025 accounts filed 39 days late1 of 6 deeds summarised
Signalsraises riskSector: Land transport and transport via pipelines (NACE 49)Last filed accounts filed 39 days late; 2 of the last 3 lateLiquidity: current ratio 0.56Founded in 20202025 accounts filed 39 days lateShow the evidence
Bankruptcy probability
No current score
Checked score
A figure from 0 to 100: the higher it is, the smaller the chance that the company goes bankrupt within twelve months. The band, from Critical to Excellent, follows from that chance; within the band, how the company does against its sector peers counts too. With a low score, agree a shorter payment term, an advance or security.
Insufficient figures
A score requires measurable solvency, liquidity and profitability.
Bankruptcy probability: Elevated
Bankruptcy probability, 12 months
Bankruptcy probability
The chance that the company goes bankrupt within twelve months, estimated from the registers, the annual accounts and the Belgian Official Gazette. 0.2% means about 2 in 1,000 comparable companies. The higher it is, the shorter the payment term to agree.
5.6%Elevated
0%0.5%1.5%4%10%≥ 25%
About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
Sector median 1.9% (9,096 companies, NACE 49, micro)
Last 24 months11-2024: 8.2%12-2024: 8.2%● unchanged vs 11-202401-2025: 8.1%▼ -0.1 percentage points vs 12-202402-2025: 8.2%▲ +0.1 percentage points vs 01-202503-2025: 8.2%● unchanged vs 02-202504-2025: 8.6%▲ +0.4 percentage points vs 03-202505-2025: 9.7%▲ +1.1 percentage points vs 04-202506-2025: 6.4%▼ -3.3 percentage points vs 05-202507-2025: 6.2%▼ -0.2 percentage points vs 06-202508-2025: 7.1%▲ +0.9 percentage points vs 07-202509-2025: 7.2%▲ +0.1 percentage points vs 08-202510-2025: 7.6%▲ +0.4 percentage points vs 09-202511-2025: 7.6%● unchanged vs 10-202512-2025: 8.5%▲ +0.9 percentage points vs 11-202501-2026: 10.6%▲ +2.1 percentage points vs 12-202502-2026: 10.6%● unchanged vs 01-202603-2026: 10.9%▲ +0.3 percentage points vs 02-202604-2026: 10.2%▼ -0.7 percentage points vs 03-202605-2026: 10.2%● unchanged vs 04-202606-2026: 10.0%▼ -0.2 percentage points vs 05-202607-2026: 10.0%● unchanged vs 06-202608-2026: 11.1%▲ +1.1 percentage points vs 07-202609-2026: 11.2%▲ +0.1 percentage points vs 08-2026highest value10-2026: 5.6%▼ -5.6 percentage points vs 09-2026lowest value
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-09-2026, 39 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 145 days after the deadline; the sector median (NACE 49) for financial year 2024 is on the deadline day, and 49% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 6 October (4 of the last 5 filed years within 40 days of that day).