SMK SERVICES
ActiveSummary
SMK SERVICES has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9,759 and a net result of €1,543. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 62% of 18626 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability56▼-21
Solvency73▼-21
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.91 against 3.22 in 2024; short-term debt: 52.4% and cash: 53.8% of total assets), but 52.4% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-09-2026, 58 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 · 10 filingsDeviation from the deadline
2025
58 d late
2024
59 d late
2023
172 d late
2022
498 d late
2021
193 d late
2020
66 d late
2019
25 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 146 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
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. Usually files around 20 January (4 of the last 5 filed years within 115 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€9,759▼ 65.4%
2024 · €28,216
Total assets
€20,491▼ 50.0%
2024 · €40,952
Net result
€1,543▼ 75.8%
2024 · €6,389
Working capital
€9,759▼ 65.4%
2024 · €28,216
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€2,438€2,981€9,292▲ 212%€4,146▼ 55.4%
Net result-€2,486below the sector's middle half€2,085within the sector's middle half€6,389within the sector's middle half▲ 206%€1,543within the sector's middle half▼ 75.8%
Equity€19,742within the sector's middle half▼ 11.2%€19,742within the sector's middle half=€21,827within the sector's middle half▲ 10.6%€28,216within the sector's middle half▲ 29.3%€9,759within the sector's middle half▼ 65.4%
Total assets€28,057below the sector's middle half▼ 40.2%€19,742below the sector's middle half▼ 29.6%€24,142below the sector's middle half▲ 22.3%€40,952below the sector's middle half▲ 69.6%€20,491below the sector's middle half▼ 50.0%
Debt€8,315▼ 66.4%€2,316€12,736▲ 450%€10,732▼ 15.7%
Working capital€19,742within the sector's middle half▼ 11.2%€21,827within the sector's middle half€28,216within the sector's middle half▲ 29.3%€9,759within the sector's middle half▼ 65.4%
Solvency70.4%above the sector's middle half▲ 23.0pp100.0%above the sector's middle half▲ 29.6pp90.4%above the sector's middle half▼ 9.6pp68.9%above the sector's middle half▼ 21.5pp47.6%within the sector's middle half▼ 21.3pp
Current ratio3.37above the sector's middle half▲ 1.4810.43above the sector's middle half3.22above the sector's middle half▼ 7.211.91within the sector's middle half▼ 1.31
Return on assets (ROA)-8.9%below the sector's middle half▼ 24.5pp8.6%within the sector's middle half15.6%above the sector's middle half▲ 7.0pp7.5%within the sector's middle half▼ 8.1pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
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 55% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €20,491
Equity
€9,759 ▼ 65.4%
Debt
€10,732 ▼ 15.7%
Debt's share of the balance-sheet total rises from 31.1% to 52.4%. Equity and debt are lower.
Key figures and ratios
Debt to equity
1.10▲
2024 · 0.45
ROE
15.8%▼
2024 · 22.6%
Debt ≤ 1 year
€10,732▼
2024 · €12,736
Income taxes
€2,527▼
2024 · €3,697
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,696 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.7%
went bankrupt
3.9%
stopped otherwise
95%
still going
For this company itself Checked computes a higher bankruptcy probability: 1.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,696 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | - | €1,600 | €671 | €125 | ▼ 81.4% |
| Gross operating margin9900 | -€2,438 | - | €4,581 | €9,963 | €4,271 | ▼ 57.1% |
| Operating profit (loss)9901 | -€2,438 | - | €2,981 | €9,292 | €4,146 | ▼ 55.4% |
| Financial income75/76B | - | - | €339 | €867 | €21 | ▼ 97.6% |
| Recurring financial income75 | - | - | €339 | €867 | €21 | ▼ 97.6% |
| Financial charges65/66B | €48 | - | €134 | €72 | €97 | ▲ 34.8% |
| Recurring financial charges65 | €48 | - | €134 | €72 | €97 | ▲ 34.8% |
| Profit (loss) for the period before taxes9903 | -€2,486 | - | €3,186 | €10,087 | €4,070 | ▼ 59.6% |
| Income taxes67/77 | - | - | €1,101 | €3,697 | €2,527 | ▼ 31.7% |
| Profit (loss) for the period9904 | -€2,486 | - | €2,085 | €6,389 | €1,543 | ▼ 75.8% |
| Profit (loss) for the period to be appropriated9905 | -€2,486 | - | €2,085 | €6,389 | €1,543 | ▼ 75.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €28,057 | €19,742 | €24,142 | €40,952 | €20,491 | ▼ 50.0% |
| Current assets29/58 | €28,057 | €19,742 | €24,142 | €40,952 | €20,491 | ▼ 50.0% |
| Amounts receivable within one year40/41 | €1,386 | €1,386 | €12,839 | €19,440 | €9,469 | ▼ 51.3% |
| Trade receivables40 | - | - | - | €3,671 | €9,469 | ▲ 158% |
| Other amounts receivable41 | €1,386 | €1,386 | €12,839 | €15,769 | - | - |
| Cash at bank and in hand54/58 | €26,670 | €18,355 | €11,303 | €21,511 | €11,022 | ▼ 48.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €28,057 | €19,742 | €24,142 | €40,952 | €20,491 | ▼ 50.0% |
| Equity10/15 | €19,742 | €19,742 | €21,827 | €28,216 | €9,759 | ▼ 65.4% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | - | - |
| Capital10 | €20,000 | €20,000 | - | - | - | - |
| Issued capital100 | €20,000 | €20,000 | - | - | - | - |
| Reserves13 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Non-distributable reserves130/1 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Legal reserve130 | €2,000 | €2,000 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €2,000 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | -€2,258 | -€2,258 | -€173 | €6,216 | €7,759 | ▲ 24.8% |
| Amounts payable17/49 | €8,315 | - | €2,316 | €12,736 | €10,732 | ▼ 15.7% |
| Amounts payable within one year42/48 | €8,315 | - | €2,316 | €12,736 | €10,732 | ▼ 15.7% |
| Trade debts44 | - | - | - | €2,204 | €1,127 | ▼ 48.8% |
| Suppliers440/4 | - | - | - | €2,204 | €1,127 | ▼ 48.8% |
| Advances received on contracts in progress46 | - | - | - | €1,016 | €472 | ▼ 53.6% |
| Taxes, remuneration and social security45 | - | - | €2,316 | €9,516 | €9,133 | ▼ 4.0% |
| Taxes450/3 | - | - | €2,316 | €9,516 | €9,133 | ▼ 4.0% |
| Other amounts payable47/48 | €8,315 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,486 | - | €2,085 | €6,389 | €1,543 | ▼ 75.8% |
| Operating cash flow (approximation) | -€2,486 | - | €2,085 | €6,389 | €1,543 | ▼ 75.8% |
| Change in cash | - | -€8,315 | -€7,053 | €10,209 | -€10,490 | ▼ 203% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 58 days late
2025
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
19-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 172 days late
2024
10-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 498 days late
2023
09-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 193 days late
2021
05-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 66 days late
2020
31-12
Financial
Highest result since 2018net €7,357 ▲421%
Net result €7,357, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 1.90
Current ratio from 0.90 to 1.90; short-term debt falls from €52,814 to €24,726.
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €1,412
Net result €1,412 after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 365 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Schaarbeek · 1 establishment unit since 2016
Ground area
566 m²
Building footprint
308 m²
Volume, LiDAR
5,664 m³
2 parcels, Brussels · tallest building 27.2 m, ±8 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
SMK SERVICES
since 20162.255.413.712
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21372C0112/00S009 | Brussels | 433 m² | 1 · 182 m² | 18.7 m · 5 fl. |
| 21015A0492/00F003 | Brussels | 132 m² | 1 · 126 m² | 27.2 m · 8 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 5,220 companies in sector 47730 we hold annual accounts for 3,862. 801 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded01-06-2016
Fiscal year end31-12
Activities, NACEBEL 2025
47730Retail sale of pharmaceutical products
47811Retail sale of cars and light vans (up to 3.5 tonnes)
49310Scheduled passenger transport by road
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
Contact
E-mail
hassani_f@hotmail.comEvere
Phone
0484/436296Evere
E-invoicing
Reachable via Peppol
Peppol ID
0208:0655839863
Also
9925:BE0655839863
Registered
28-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.