SMIILE CLARYS
ActiveThe computed 12-month bankruptcy probability of SMIILE CLARYS is 4.0% (elevated). The 2025 annual accounts show equity of €125k and a net result of €83k. Equity is growing by ~118.6% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
4.0%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days only on tighter terms
Liquidity ample (current ratio 5.5 against 3.98 in 2024; short-term debt: 18.2% and cash: 99.2% of total assets), and 18.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
81.8%
Return on assets
53.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
31 d late
2024
31 d early
2023
3 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€125k▲ 193%
2024 · €43k
2023: €24k
2024: €43k
2023 → 2025
Total assets
€153k▲ 168%
2024 · €57k
2023: €30k
2024: €57k
2023 → 2025
Net result
€83k▲ 335%
2024 · €19k
2023: €21k
2024: €19k
2023 → 2025
Working capital
€125k▲ 193%
2024 · €43k
2023: €24k
2024: €43k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€24k-€43k▲ 79.6%€125k▲ 193%
Operating result€27k-€24k▼ 10.7%€105k▲ 335%
Net result€21k-€19k▼ 11.1%€83k▲ 335%
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 335% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €153k
Equity
€125k▲ 193%
Debt
€28k▲ 94.1%
The debt ratio falls from 25.1% to 18.2%. Equity and debt are higher.
Key figures and ratios
Solvency
81.8%▲
2024 · 74.9%
Current ratio
5.50▲
2024 · 3.98
Quick ratio
5.50▲
2024 · 3.98
Debt / equity
0.22▼
2024 · 0.34
ROE
65.9%▲
2024 · 44.3%
ROA
53.9%▲
2024 · 33.2%
Debt
€28k▲
2024 · €14k
Debt ≤ 1 year
€28k▲
2024 · €14k
Income taxes
€22k▲
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€57k€153k▲
Current assets29/58€57k€153k▲
Cash at bank and in hand54/58€52k€152k▲
Deferred charges and accrued income490/1€5k€1k▼
Equity and liabilities
Total equity and liabilities10/49€57k€153k▲
Equity10/15€43k€125k▲
Contributions10/11€3k€3k=
Reserves13-€100k
Distributable reserves133-€100k
Profit (loss) carried forward14€40k€23k▼
Amounts payable17/49€14k€28k▲
Amounts payable within one year42/48€14k€28k▲
Trade debts44€861€555▼
Suppliers440/4€861€555▼
Taxes, remuneration and social security45€11k€22k▲
Taxes450/3€11k€22k▲
Other amounts payable47/48€3k€5k▲
Income statement
Code20242025
Other operating charges640/8€1k€954▼
Gross operating margin9900€25k€106k▲
Operating profit (loss)9901€24k€105k▲
Financial income75/76B€48€0▼
Recurring financial income75€48€0▼
Financial charges65/66B€47€144▲
Recurring financial charges65€47€144▲
Profit (loss) for the period before taxes9903€24k€105k▲
Income taxes67/77€5k€22k▲
Profit (loss) for the period9904€19k€83k▲
Profit (loss) for the period to be appropriated9905€19k€83k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€123k▲
Profit (loss) brought forward from the previous period14P€21k€40k▲
Transfer to equity691/2-€100k
To other reserves6921-€100k
The notes to these accounts (1 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2023net €83k ▲335%
Operating result €105k, net result €83k, both a record.
31-12
Financial
Equity above €100kEq €125k ▲193%
3 profitable years in a row build equity to €125k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €19k ▼11.1%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
03-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Elsene · 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.
Louizalaan 3671050 ElseneGround area
816 m²
Building footprint
534 m²
Volume, LiDAR
3,812 m³
2 parcels, Brussels, Flanders · tallest building 34.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
SMIILE CLARYS
since 20222.331.949.482
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22662B1006/00A000 | Flanders | 550 m² | 1 · 269 m² | 11.5 m |
| 21807G0211/00W012 | Brussels | 266 m² | 1 · 265 m² | 34.0 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-05-2022
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.