SMILE OAK
ActiveSummary
SMILE OAK has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €945k and a net result of €145k. Equity is growing by ~16.4% per year across the filed fiscal years. Its solvency ranks better than 55% of 3187 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+16
Solvency84▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity short (current ratio 0.21 against 0.3 in 2024; short-term debt: 36.9% and cash: 0.2% of total assets), and 40.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
59.4%
Return on assets
9.1%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
46 d early
2023
40 d early
2022
45 d early
2021
41 d early
2020
12 d early
2019
31 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€145k▲ 27.4%
2024 · €114k
2018: €96k
2019: €96k
2020: €97k
2021: €125k
2022: €237k
2023: €235k
2024: €114k
2018 → 2025
Working capital
€-466k▲ 1.2%
2024 · €-472k
2018: €-305k
2019: €-293k
2020: €-290k
2021: €-249k
2022: €127k
2023: €-417k
2024: €-472k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€515k-€737k▲ 42.9%€876k▲ 19.0%€895k▲ 2.1%€945k▲ 5.6%
Operating result€84k-€154k▲ 84.2%€90k▼ 41.7%€96k▲ 6.7%€141k▲ 47.1%
Net result€125k-€237k▲ 89.3%€235k▼ 1.1%€114k▼ 51.5%€145k▲ 27.4%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 47% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.59M
Fixed assets
€1.47M ▼ 0.9%
Current assets
€120k ▼ 41.6%
Equity and liabilities €1.59M
Equity
€945k ▲ 5.6%
Debt
€646k ▼ 18.8%
Debt's share of the balance-sheet total falls from 47.0% to 40.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€154k▲
2024 · €116k
Cash flow
€158k▲
2024 · €133k
Current ratio
0.21▼
2024 · 0.30
Debt to equity
0.68▼
2024 · 0.89
ROE
15.3%▲
2024 · 12.7%
ROA
9.1%▲
2024 · 6.7%
Interest coverage
6.61▲
2024 · 4.42
Debt ≤ 1 year
€587k▼
2024 · €678k
Debt > 1 year
€59k▼
2024 · €117k
Income taxes
€46k▲
2024 · €31k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.69M€1.59M▼
Fixed assets21/28€1.48M€1.47M▼
Tangible fixed assets22/27€30k€17k▼
Furniture and vehicles24€16k€12k▼
Leasing and similar rights25€7k-
Other tangible fixed assets26€7k€5k▼
Financial fixed assets28€1.45M€1.45M=
Current assets29/58€206k€120k▼
Amounts receivable within one year40/41€152k€114k▼
Trade receivables40€57k€97k▲
Other amounts receivable41€95k€17k▼
Cash at bank and in hand54/58€53k€3k▼
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.69M€1.59M▼
Equity10/15€895k€945k▲
Contributions10/11€60k€60k=
Reserves13€835k€885k▲
Distributable reserves133€835k€885k▲
Amounts payable17/49€795k€646k▼
Amounts payable after more than one year17€117k€59k▼
Financial debts170/4€117k€59k▼
Amounts payable within one year42/48€678k€587k▼
Current portion of amounts payable after more than one year42€70k€58k▼
Financial debts43€16k€1k▼
Credit institutions430/8€16k€1k▼
Trade debts44€5k€7k▲
Suppliers440/4€5k€7k▲
Taxes, remuneration and social security45€49k€38k▼
Taxes450/3€45k€34k▼
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€539k€482k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€13k▼
Other operating charges640/8€4k€4k▼
Gross operating margin9900€119k€158k▲
Operating profit (loss)9901€96k€141k▲
Financial income75/76B€75k€73k▼
Recurring financial income75€75k€73k▼
Financial charges65/66B€26k€23k▼
Recurring financial charges65€26k€23k▼
Profit (loss) for the period before taxes9903€145k€191k▲
Income taxes67/77€31k€46k▲
Profit (loss) for the period9904€114k€145k▲
Profit (loss) for the period to be appropriated9905€114k€145k▲
Appropriation of the result
Profit (loss) to be appropriated9906€114k€145k▲
Transfer from equity791/2€95k€95k=
Transfer to equity691/2€114k€145k▲
To other reserves6921€114k€145k▲
Profit to be distributed694/7€95k€95k=
Return on contributions (dividend)694€95k€95k=
The notes to these accounts (13 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
15-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €237k ▲89.3%
Operating result €154k, net result €237k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 1.45
Current ratio from 0.37 to 1.45; short-term debt falls from €398k to €284k.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €500kEq €515k ▲13.3%
4 profitable years in a row build equity to €515k.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Gembloux · 1 establishment unit since 2009
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.
Rue des Praules, Sauv. 15030 GemblouxGround area
483 m²
Building footprint
458 m²
Parcel 92253D0524/00X000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue des Praules, Sauv. 1, 5030 Gembloux
since 20092.180.262.763
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92253D0524/00X000 | Wallonia | 483 m² | 1 · 458 m² | - |
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.
Similar companies · same sector, comparable size
RAPIDE
BE 0743.672.472
Edegem · Eq €945,194
DELIE
BE 0449.516.410
Hemiksem · Eq €944,917
OFFISOINS
BE 0810.552.685
Nivelles · Eq €945,313
Sheltr Services
BE 0786.202.717
Antwerpen · Eq €944,767
Miguel Vandereyt
BE 0462.340.996
Hasselt · Eq €944,709
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 28,456 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-07-2009
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
46832Wholesale of timber
47120Other non-specialised retail sale
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
73200Market research and public opinion polling
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.