Smile Harmony
ActiveSmile Harmony has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €176k and a net result of €67k. Equity is growing by ~63.2% per year across the filed fiscal years. Its solvency ranks better than 63% of 16511 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82=
Solvency100▲+14
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 8.37 against 4.41 in 2024; short-term debt: 11.9% and cash: 86% of total assets), and 24.7% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← 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
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
75.3%
Return on assets
28.5%
Age of the figures
9 mo
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 20-04-2026, 102 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
102 d early
2024
26 d late
2023
20 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€176k▲ 60.9%
2024 · €110k
2023: €38k
2024: €110k
2023 → 2025
Total assets
€234k▲ 31.2%
2024 · €179k
2023: €93k
2024: €179k
2023 → 2025
Net result
€67k▼ 8.1%
2024 · €73k
2023: €36k
2024: €73k
2023 → 2025
Working capital
€206k▲ 50.9%
2024 · €137k
2023: €53k
2024: €137k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€38k-€110k▲ 190%€176k▲ 60.9%
Operating result€61k-€129k▲ 110%€116k▼ 10.1%
Net result€36k-€73k▲ 104%€67k▼ 8.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €234k
Fixed assets
€34▼ 98.2%
Current assets
€234k▲ 32.5%
Equity and liabilities €234k
Equity
€176k▲ 60.9%
Provisions
€30k▲ 3.2%
Debt
€28k▼ 30.1%
The debt ratio falls from 22.4% to 11.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€118k▼
2024 · €140k
Cash flow
€69k▼
2024 · €84k
Solvency
75.3%▲
2024 · 61.4%
Current ratio
8.37▲
2024 · 4.41
Quick ratio
8.37▲
2024 · 4.41
Debt / equity
0.16▼
2024 · 0.37
ROE
37.9%▼
2024 · 66.3%
ROA
28.5%▼
2024 · 40.7%
Interest coverage
3.79▼
2024 · 3.90
Debt
€28k▼
2024 · €40k
Debt ≤ 1 year
€28k▼
2024 · €40k
Income taxes
€18k▼
2024 · €20k
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€179k€234k▲
Fixed assets21/28€2k€34▼
Tangible fixed assets22/27€2k€34▼
Furniture and vehicles24€2k€34▼
Current assets29/58€177k€234k▲
Amounts receivable within one year40/41€34k€31k▼
Trade receivables40€23k€17k▼
Other amounts receivable41€11k€15k▲
Cash at bank and in hand54/58€142k€201k▲
Deferred charges and accrued income490/1€400€1k▲
Equity and liabilities
Total equity and liabilities10/49€179k€234k▲
Equity10/15€110k€176k▲
Contributions10/11€3k€3k=
Reserves13€30k€30k=
Distributable reserves133€30k€30k=
Profit (loss) carried forward14€77k€143k▲
Provisions and deferred taxes16€29k€30k▲
Provisions for liabilities and charges160/5€29k€30k▲
Other liabilities and charges164/5€29k€30k▲
Amounts payable17/49€40k€28k▼
Amounts payable within one year42/48€40k€28k▼
Financial debts43-€377
Credit institutions430/8-€377
Trade debts44€238-
Suppliers440/4€238-
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€258-
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€38k€26k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€2k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€705€915▲
Other operating charges640/8€735€400▼
Gross operating margin9900€142k€119k▼
Operating profit (loss)9901€129k€116k▼
Financial charges65/66B€36k€31k▼
Recurring financial charges65€36k€31k▼
Profit (loss) for the period before taxes9903€93k€85k▼
Income taxes67/77€20k€18k▼
Profit (loss) for the period9904€73k€67k▼
Profit (loss) for the period to be appropriated9905€73k€67k▼
Appropriation of the result
Profit (loss) to be appropriated9906€77k€143k▲
Profit (loss) brought forward from the previous period14P€5k€77k▲
Profit to be distributed694/7€859-
Return on contributions (dividend)694€859-
The notes to these accounts (4 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
20-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €176k ▲60.9%
3 profitable years in a row build equity to €176k.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Highest result since 2023net €73k ▲104%
Operating result €129k, net result €73k, both a record.
31-12
Financial
Equity above €100kEq €110k ▲190%
2 profitable years in a row build equity to €110k.
11-07
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, 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.
Francartstraat 161050 ElseneGround area
1,648 m²
Building footprint
328 m²
Volume, LiDAR
4,506 m³
Parcel 21009A0726/00C000, Brussels · tallest building 17.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Francartstraat 16, 1050 Elsene
since 20222.340.151.427
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21009A0726/00C000 | Brussels | 1,648 m² | 1 · 328 m² | 17.4 m · 5 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500B66C83C0649C07
Similar companies · same sector, comparable size
MEDI GASTRO
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Dr. Kristof Segher, Urgentiegeneeskunde
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Center for sight - Dr. E. Mertens
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Of 16,628 companies in sector 86220 we hold annual accounts for 7,973. 6,823 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-12-2022
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.