SML Advisory

Active

Private limited companyfounded 20251 yr activeBelgicalaan 3, 1080 Sint-Jans-Molenbeek, BelgiumKBO/BCE: BE 1026.245.746

SML Advisory has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €39k and a net result of €36k. Its solvency ranks better than 62% of 678 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).

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Checked score

Score 2025

84 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability100

Solvency91

Growth-

Track record67

Bankruptcy probability, 12 months

1.1% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity ample (current ratio 2.91; short-term debt: 34% and cash: 71.2% of total assets), and 34% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 58

Relative position

BE, all sectors

reference

Sector 58

lower

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

66%

Return on assets

60.9%

Age of the figures

9 mo

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 · 1 filing

Deviation from the deadline

2025

31 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Source amounts without an identifiable currency are assumed to be EUR.

Equity

€39k

Total assets

€59k

Net result

€36k

Working capital

€38k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €59k

98.8%

Fixed assets €717

Current assets €58k

Equity and liabilities €59k

66.0%

34.0%

Equity €39k

Debt €20k

Debt finances 34.0% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€45k

Cash flow

€36k

Solvency

66.0%

Current ratio

2.91

Quick ratio

2.91

Debt / equity

0.51

ROE

92.3%

ROA

60.9%

Interest coverage

1387.07

Debt

€20k

Debt ≤ 1 year

€20k

Income taxes

€9k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€59k

Fixed assets21/28€717

Tangible fixed assets22/27€717

Furniture and vehicles24€717

Current assets29/58€58k

Amounts receivable within one year40/41€16k

Trade receivables40€16k

Cash at bank and in hand54/58€42k

Equity and liabilities

Total equity and liabilities10/49€59k

Equity10/15€39k

Contributions10/11€3k

Profit (loss) carried forward14€36k

Amounts payable17/49€20k

Amounts payable within one year42/48€20k

Trade debts44€427

Suppliers440/4€427

Taxes, remuneration and social security45€19k

Taxes450/3€19k

Other amounts payable47/48€90

Income statement Code2025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€195

Other operating charges640/8€50

Gross operating margin9900€45k

Operating profit (loss)9901€45k

Financial charges65/66B€33

Recurring financial charges65€33

Profit (loss) for the period before taxes9903€45k

Income taxes67/77€9k

Profit (loss) for the period9904€36k

Profit (loss) for the period to be appropriated9905€36k

Appropriation of the result

Profit (loss) to be appropriated9906€36k

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

NBB filing

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, Sint-Jans-Molenbeek · 1 establishment unit since 2025

establishment The establishment unit on the map

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.

Belgicalaan 31080 Sint-Jans-Molenbeek

Ground area

118 m²

Building footprint

110 m²

Volume, LiDAR

1,696 m³

Parcel 21012A0006/00L003, Brussels · tallest building 18.3 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

SML Advisory

Belgicalaan 3, 1080 Sint-Jans-MolenbeekOther software publishing

since 20252.377.737.739

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21012A0006/00L003	Brussels	118 m²	1 · 110 m²	18.3 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.

Similar companies · same sector, comparable size

Of 1,284 companies in sector 58290 we hold annual accounts for 593. 420 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded06-08-2025

Fiscal year end31-12

Activities, NACEBEL

58290Other software publishing

62100Computer programming

82100Office administrative and support services

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.