SMILE TOGETHER
ActiveThe computed 12-month bankruptcy probability of SMILE TOGETHER is 2.3% (moderate). The 2025 annual accounts show equity of €22k and a net result of €46k. Equity is shrinking by ~21.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency60▼-32
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.51 against 2.81 in 2024; short-term debt: 64.9% and cash: 91.1% of total assets), but 64.9% 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
35.1%
Return on assets
74.1%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
30 d late
2021
27 d late
2020
20 d late
2019
31 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▲ 39.5%
2024 · €16k
2019: €44k
2020: €72k
2021: €77k
2022: €63k
2023: €46k
2024: €16k
2019 → 2025
Total assets
€62k▲ 165%
2024 · €23k
2019: €101k
2020: €124k
2021: €121k
2022: €91k
2023: €69k
2024: €23k
2019 → 2025
Net result
€46k
2024 · €-30k
2019: €25k
2020: €29k
2021: €5k
2022: €40k
2023: €28k
2024: €-30k
2019 → 2025
Working capital
€21k▲ 45.7%
2024 · €14k
2019: €28k
2020: €48k
2021: €51k
2022: €32k
2023: €43k
2024: €14k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€63k▼ 17.5%€46k▼ 27.2%€16k▼ 66.0%€22k▲ 39.5%
Operating result€8k-€52k▲ 544%€37k▼ 28.9%€-28k€53k
Net result€5k-€40k▲ 697%€28k▼ 30.6%€-30k€46k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €53k after a loss of €28k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62k
Fixed assets
€1k▼ 19.4%
Current assets
€61k▲ 178%
Equity and liabilities €62k
Equity
€22k▲ 39.5%
Debt
€41k▲ 418%
The debt ratio rises from 33.3% to 64.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€54k▲
2024 · €-26k
Cash flow
€47k▲
2024 · €-29k
Solvency
35.1%▼
2024 · 66.7%
Current ratio
1.51▼
2024 · 2.81
Quick ratio
1.51▼
2024 · 2.81
Debt / equity
1.85▲
2024 · 0.50
ROE
211.3%▲
2024 · -194.5%
ROA
74.1%▲
2024 · -129.8%
Interest coverage
28.89▲
2024 · -10.78
Debt
€41k▲
2024 · €8k
Debt ≤ 1 year
€41k▲
2024 · €8k
Income taxes
€5k▲
2024 · €166
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€23k€62k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€704€381▼
Furniture and vehicles24€799€830▲
Current assets29/58€22k€61k▲
Amounts receivable within one year40/41€3k€634▼
Trade receivables40€2k-
Other amounts receivable41€610€634▲
Cash at bank and in hand54/58€17k€57k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€23k€62k▲
Equity10/15€16k€22k▲
Contributions10/11€19k€19k=
Reserves13-€3k
Distributable reserves133-€3k
Profit (loss) carried forward14€-3k-
Amounts payable17/49€8k€41k▲
Amounts payable within one year42/48€8k€41k▲
Trade debts44€1k€206▼
Suppliers440/4€1k€206▼
Taxes, remuneration and social security45€3k€3k=
Taxes450/3€3k€3k=
Other amounts payable47/48€4k€38k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€362€186▼
Gross operating margin9900€-26k€54k▲
Operating profit (loss)9901€-28k€53k▲
Financial income75/76B-€2
Recurring financial income75-€2
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-30k€51k▲
Income taxes67/77€166€5k▲
Profit (loss) for the period9904€-30k€46k▲
Profit (loss) for the period to be appropriated9905€-30k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-30k€43k▲
Profit (loss) brought forward from the previous period14P-€-3k
Transfer from equity791/2€28k-
Transfer to equity691/2-€3k
To other reserves6921-€3k
Profit to be distributed694/7-€40k
Return on contributions (dividend)694-€40k
The notes to these accounts (5 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €46k
Net result €46k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-30k ▼211%
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 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, Wavre · 1 establishment unit since 2018
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.
Venelle du Bois de Villers 271300 WavreGround area
3.6 ha
Building footprint
721 m²
Volume, LiDAR
12,260 m³
2 parcels, Brussels, Wallonia · tallest building 22.8 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
SMILE TOGETHER
since 20182.282.140.774
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21018A0220/00G000 | Brussels | 3.5 ha | 1 · 628 m² | 22.8 m · 6 fl. |
| 25772K0102/00T002 | Wallonia | 1,217 m² | 1 · 93 m² | 9.1 m · 2 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
Founded16-11-2018
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.