SMN GROUP
ActiveThe computed 12-month bankruptcy probability of SMN GROUP is 5.1% (elevated). The 2025 annual accounts show negative equity (€-3k) and a net result of €-13k. Its solvency ranks better than 9% of 4472 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
22
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency13▼-75
Growth32
Track record82
Bankruptcy probability, 12 months
5.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.32 against 2.7 in 2024; short-term debt: 67.1% and cash: 11.3% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-12.4%
Return on assets
-49.7%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year €-3k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 2 filingsDeviation from the deadline
2025
30 d late
2024
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€91k
EBIT margin
14.8%
Net result
€-13k
2024 · €13k
2024: €13k
2024 → 2025
Working capital
€6k▼ 34.7%
2024 · €8k
2024: €8k
2024 → 2025
Multi-year overview
Available amounts per fiscal year
Line20242025Trend
Turnover€91k-
Equity€8k-€-3k
Operating result€14k-€-12k
Net result€13k-€-13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €12k after €14k in 2024.
Balance-sheet composition
Assets €26k
Fixed assets
€3k
Current assets
€23k
Key figures and ratios
Solvency
-12.4%▼
2024 · 63.0%
Current ratio
1.32▼
2024 · 2.70
Quick ratio
1.32▼
2024 · 2.70
Debt / equity
-9.05▼
2024 · 0.59
ROA
-49.7%▼
2024 · 100.0%
Debt
€29k▲
2024 · €5k
Debt ≤ 1 year
€17k▲
2024 · €5k
Debt > 1 year
€12k
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€13k€26k▲
Fixed assets21/28-€3k
Financial fixed assets28-€3k
Current assets29/58€13k€23k▲
Amounts receivable within one year40/41€11k€20k▲
Trade receivables40€9k€20k▲
Other amounts receivable41€2k€3▼
Cash at bank and in hand54/58€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€13k€26k▲
Equity10/15€8k€-3k▼
Contributions10/11-€1k
Profit (loss) carried forward14€8k€-4k▼
Amounts payable17/49€5k€29k▲
Amounts payable after more than one year17-€12k
Financial debts170/4-€12k
Amounts payable within one year42/48€5k€17k▲
Trade debts44-€17k
Suppliers440/4-€17k
Other amounts payable47/48€5k-
Income statement
Code20242025
Turnover70€91k-
Goods, raw materials, services and sundry goods60/61€77k-
Remuneration, social security and pensions62€6k-
Gross operating margin9900€19k€-12k▼
Operating profit (loss)9901€14k€-12k▼
Financial charges65/66B€6€573▲
Recurring financial charges65€6€573▲
Profit (loss) for the period before taxes9903€13k€-13k▼
Profit (loss) for the period9904€13k€-13k▼
Profit (loss) for the period to be appropriated9905€13k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€-4k▼
Profit (loss) brought forward from the previous period14P-€8k
Profit to be distributed694/7€5k-
Directors or managers695€5k-
The notes to these accounts (4 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
NBB filing
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Liedekerke · 2 establishment units since 2023
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.
Meersstraat 2191770 LiedekerkeGround area
652 m²
Building footprint
323 m²
Volume, LiDAR
2,404 m³
2 parcels, Flanders · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
SMN GROUP
since 20232.352.616.026
LIEDEKERKE MARKET
since 20262.383.007.413
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23044A0535/00E002 | Flanders | 386 m² | 1 · 251 m² | 10.0 m · 3 fl. |
| 23044A0248/00R000 | Flanders | 266 m² | 1 · 72 m² | 7.7 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.
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Of 7,356 companies in sector 81210 we hold annual accounts for 2,734. 1,655 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-09-2023
Fiscal year end31-12
Activities, NACEBEL
81210General cleaning of buildings
41003General construction of other non-residential buildings
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:SABRIMARINOV19@GMAIL.COM
Phone:0465373268