Financials
- Financial year
- 2025
- Total assets
- €2.0m
- Profit
- €16,690
- Solvency
- 21.0%
Total assets▼ 6.6%
Net result
20232025
SML-INVEST
ActiveSummary
The computed 12-month bankruptcy probability of SML-INVEST is 1.6% (moderate). The 2025 annual accounts show equity of €419,502 and a net result of €16,690. Equity remains stable across the filed financial years (±2.4% per year). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
“Het beheer van alle roerende en onroerende goederen waarin begrepen de aankoop,verkoop,ontwikkeling,verkaveling,verhuring en exploitatie.” (deed in Dutch)
From the articles, 9 activitiesNo NACE code in the KBO yet1 site
Size
≈ €310,000turnover 2025, estimated
- Equity
- €419,502
- Profit
- €16,690
Turnover estimated from the gross margin
Why 55raises riskLiquidity: current ratio 0.07, cash €2,9101 change of registered office in 24 monthslowers riskSize: total assets €2.0mFigures for financial year 2025 (filed 03-09-2026)Show the evidence
Checked score
Score 2025
55
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 38% of its sector peers (no NACE code, micro)
Financial strength · tick = 2024
Average
Solvency
46+2
equity 21.0% of total assets
Liquidity
46+8
short-term debt 16.3% · cash 0.1%
Profitability
46+15
return on assets 0.8%
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 3.9%highest value
12-2024: 0.8%▼ -3.1 percentage points vs 11-2024
01-2025: 0.8%● unchanged vs 12-2024
02-2025: 0.8%● unchanged vs 01-2025
03-2025: 0.9%▲ +0.1 percentage points vs 02-2025
04-2025: 0.8%▼ -0.1 percentage points vs 03-2025lowest value
05-2025: 0.8%● unchanged vs 04-2025
06-2025: 0.9%▲ +0.1 percentage points vs 05-2025
07-2025: 2.8%▲ +1.9 percentage points vs 06-2025
08-2025: 2.4%▼ -0.4 percentage points vs 07-2025
09-2025: 2.4%● unchanged vs 08-2025
10-2025: 2.4%● unchanged vs 09-2025
11-2025: 2.4%● unchanged vs 10-2025
12-2025: 2.4%● unchanged vs 11-2025
01-2026: 2.4%● unchanged vs 12-2025
02-2026: 2.4%● unchanged vs 01-2026
03-2026: 2.4%● unchanged vs 02-2026
04-2026: 2.7%▲ +0.3 percentage points vs 03-2026
05-2026: 3.1%▲ +0.4 percentage points vs 04-2026
06-2026: 3.4%▲ +0.3 percentage points vs 05-2026
07-2026: 3.5%▲ +0.1 percentage points vs 06-2026
08-2026: 3.7%▲ +0.2 percentage points vs 07-2026
09-2026: 1.6%▼ -2.1 percentage points vs 08-2026
10-2026: 1.6%● unchanged vs 09-2026
Credit of up to €23,000 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.07, compared with 0.16 in 2024, below 1; short-term debt: 16.3% and cash: 0.1% of total assets), and 79% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 28% on solvency, 29% on liquidity, 34% on profitability and 59% on growth.
The bankruptcy probability was computed on 29-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filingsDeviation from the deadline
2025
28 days late
2024
31 days early
2023
92 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 3 accounts on average 30 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 August (3 of the last 3 filed years within 65 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
29-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Back to profitnet €16,690
- Annual accounts filedfinancial year 2024 · micro…
Key points
By topic
Board & ownership
- Board
- 1 member
- MAES StefaanDirector
Timeline
- Events
- 7
- Since
- 2022
- Next accounts
- by 31-07-2027
- 12-06-2025Registered office
- 31-12-2024Weakest financial year
- 31-10-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Founded
- 07-11-2022
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 30
- Who signs
- Each director alone
- Annual meeting
- Third Friday of June at 19:00
- Purpose
- “Het beheer van alle roerende en onroerende goederen waarin begrepen de…” (deed in Dutch)
Key facts about SML-INVEST
- What is the company number of SML-INVEST?
- 0793.356.862. In Belgium the VAT number is the company number with BE in front: BE 0793.356.862.
- Where is SML-INVEST based?
- The registered office is at Damstraat 5, 9100 Sint-Niklaas.Company details
- What is the legal form of SML-INVEST?
- Private limited company (BV).
- When was SML-INVEST founded?
- On 07-11-2022.
- Is SML-INVEST still active?
- Yes, SML-INVEST is an active enterprise in the KBO register.
- What is the turnover of SML-INVEST?
- Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
- Is SML-INVEST profitable?
- In financial year 2025, SML-INVEST made a profit of €16,690.
- Where can I find the annual accounts of SML-INVEST?
- SML-INVEST filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SML-INVEST due?
- By 31-07-2027, for financial year 2026.Timeline
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