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SMT-CONSTRUCT

Active Private limited companyfounded 2020active for 6 yearsReppelerweg 106, 3950 BocholtKBO/BCE: BE 0744.556.756
SMT-CONSTRUCT
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Overview

Lifetime

5 annual accounts with figures on one time axis
peak €282,396 (2024)
€48,916▼ 82.7%
peak €205,967 (2024)
€5,145▼ 97.5%
peak €239,649 (2025)
€239,649▲ 2.2%
€407,978▼ 17.1%
peak 0 FTE (2024)
0 FTE 
Board1 name since 2020
1 directorSTINISSEN TOM
Documentsfilings and deeds
03-04-2026119 days before the deadline
2025abbreviated format
Gross margin from €282,396 to €48,916Result from €205,967 to €5,145Debts from €492,401 to €407,978Cash from €130,068 to €85,432

Key points

from the 2025 annual accounts

Equity

€239,649 ▲ 2.2%

SMT-CONSTRUCT has made a profit in every financial year since 2021.

Result

€5,145 ▼ 97.5%
€206,0002024€5,1402025

The result fell in 2025 from €205,967 to €5,145.

Turnover

≈ €150,000 estimated

The accounts state no turnover.

Checked score

92
Excellent
Financially stronger than 38% of micro companies in architecture and engineering (NACE 71)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.1% across 14,827 companies (NACE 71, micro).

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025lowest value 07-2025: < 0.1%● unchanged vs 06-2025lowest value 08-2025: < 0.1%● unchanged vs 07-2025lowest value 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: 0.1%▲ +0.1 percentage points vs 04-2026highest value 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026 11-2026: 0.1%● unchanged vs 10-2026

Financial strength
Average

62+5equity 37.0% of total assets
64-1short-term debt 14.0% · cash 13.2%
42-58return on assets 0.8%

Score breakdown

raises risk
Founded in 2020
lowers risk
Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
Size: total assets €647,627
Figures for financial year 2025 (filed on 08-04-2026)
Calculation

The band follows from the bankruptcy probability. 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 (NACE 71, micro). It does better than 36% of them on solvency, 51% on liquidity, 19% on profitability and 45% on growth.

The bankruptcy probability was computed on 06-11-2026 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.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Comparable companies, two years later

In July 2024, 1,639 companies had the same profile as SMT-CONSTRUCT has now. Each dot stands for 5 companies, two years later.

95.5%
were still trading
3.7%
stopped another way
0.5%
went bankrupt
  • Small
  • 5 to 10 years old
  • solvency 30% or more
  • a profit under 5% of the balance sheet

Another 0.2% stopped without a precise date, possibly only after those two years.

That fits the bankruptcy probability of SMT-CONSTRUCT itself: 0.1% within 12 months.

Test of the method

The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
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% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 1,639 companies, not a prediction for SMT-CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit of up to €22,000 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 2.45 (1.76 in 2024), above the usual 1.5. Short-term debt is 14% and cash 13.2% of total assets. However, 63% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
KBO
lowers risk · Size: total assets €647,627
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 08-04-2026)
NBB · annual accounts
raises risk · Founded in 2020
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
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 03-04-2026, 119 days ahead of the deadline.
NBB · 5 filings
Deviation from the deadline
2025
119 days early
2024
111 days early
2023
103 days early
2022
49 days early
2021
18 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 5 accounts on average 73 days before the deadline. In the sector (NACE 71), the median for financial year 2024 was 8 days before the deadline, and 34% of those companies filed 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 20 April (4 of the last 5 accounts filed within 53 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

ST
STINISSEN TOM
Director, since 27-02-2020

Shares in 2 companies, A-BUILDSTORE and A-ROOF

Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0744556756
Duration · Capital Gazette deed
General meeting · Director resignation Gazette deed
General meeting · Director resignation Gazette deed
All 14 events

Comparable companies

same main activity, similar in size and age
Company
SMT-CONSTRUCT Bocholt €0.6m €48,916 37.0% 0
Balliere Architecture Concepts Kruisem €0.6m €58,688 29.7% 0
BUREAU D'ARCHITECTURE H Liège €0.4m €65,616 86.2% 0
D-ONE Architects Ostend €1.3m €44,886 15.3% 0
THIST Tielt €0.5m €22,217 79.7% 0
AHF ALGEMEEN BEHEER Hoogstraten €0.7m €27,106 22.0% 0.6
KA architectuur Kasterlee €0.3m €35,503 -4.7% 0.2

These companies have the same main activity as SMT-CONSTRUCT: activities of building architects (NACE 71111). They are comparable in size and age: total assets between €341,000 and €1.3m, founded between 2016 and 2022.

Official details

Source: KBO
Status
Active since 28-02-2020Normal situation
Activity
Activities of building architectsNACE 71111
Establishment unit
2.300.376.7743950 Bocholt, since 28-02-2020
Financial year end
31 December
Peppol
Reachable since 13-05-2025
Company details

Annual accounts 2025

€48,916▼ 82.7%
€5,145▼ 97.5%
€239,649▲ 2.2%
€647,627▼ 10.9%
Filing
Filed on 03-04-2026, 119 days before the end of the filing period
Financials

Insights on SMT-CONSTRUCT

SMT-CONSTRUCT files the abbreviated format. That format states no turnover. The gross margin rose from €20,694 in 2021 to €48,916 in 2025.

The balance sheet grew most from 2022 to 2024 through fixed assets.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

abbreviated format, filed on 03-04-2026, 119 days before the deadline
€48,916
▼ 82.7%
€25,455
▼ 90.9%
€5,145
▼ 97.5%
€131,326
▲ 8.8%
37.0%
▲ 4.7 percentage points
2.45
▲ 0.68

Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €150,000. Estimated: probably between €100,000 and €210,000.

Balance sheet

balance sheet total €647,627 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

37.0%

Higher than 39% of 2,563 companies in 2025.

2.45

Higher than 65% of 2,519 companies in 2025.

0.8%

Higher than 28% of 2,540 companies in 2025.

SMT-CONSTRUCT Middle half of the sector 80% of the sector Abbreviated accounts in architecture and engineering (NACE 71)

Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half · Staff: bottom quarter

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend20252024202320222021
Balance sheet: assets
20/58 647,627726,905679,22455,71823,823
21/28 425,534447,7224,7662,3702,759
22/27 418,032440,2211,2652,3702,759
22 417,940439,940---
23 3693151209266
24 561881,1142,1612,492
28 7,5027,5013,501--
29/58 222,093279,183674,45753,34921,065
3 7500248,749--
30/36 7500248,749--
40/41 130,426145,68222,38521,4657,269
40 73,04060,56822,38520,5706,250
41 57,38685,11308951,019
54/58 85,432130,068399,96831,20213,796
490/1 5,4853,4343,355682-
Balance sheet: equity and liabilities
10/49 647,627726,905679,22455,71823,823
10/15 239,649234,50487,36130,42815,295
10/11 3,0003,0003,0003,0003,000
13 236,649231,50484,36127,42812,295
133 236,649231,50484,36127,42812,295
14 00---
17/49 407,978492,401591,86325,2908,529
17 314,028331,506---
170/4 314,028331,506---
42/48 90,767158,431590,56625,2908,529
42 19,04218,494---
43 -050,761--
430/8 -050,761--
44 2625,36732,1274,4931,607
440/4 2625,36732,1274,4931,607
46 -0419,250--
45 23,06440,27645,75618,4314,483
450/3 23,06440,27645,75618,4314,483
47/48 48,40094,29542,6722,3672,439
492/3 3,1822,4641,297--
Income statement
76A -013,002--
9900 48,916282,39680,51823,15020,694
630 22,1891,0441,1041,0491,863
640/8 1,2711,2259708841,725
9901 25,455280,12778,44421,21717,106
75/76B 2482,009233--
75 2482,009233--
65/66B 17,89219,9616,978251328
65 17,89219,9616,978251328
9903 7,811262,17471,69820,96516,778
67/77 2,66756,20714,7665,8324,483
9904 5,145205,96756,93215,13312,295
9905 5,145205,96756,93215,13312,295
Appropriation of the result
9906 5,145205,96756,93215,13312,295
691/2 5,145147,14456,93215,13312,295
6921 5,145147,14456,93215,13312,295
694/7 058,824---
694 058,824---
Social balance sheet
9087 00---
Document PDFPDFPDFPDFPDF

The notes to these accounts have 15 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).

Source: Annual accounts 2025 (PDF), filed on 03-04-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2025 abbreviated format 03-04-2026 2026-00073857 PDF
31-12-2024 abbreviated format 11-04-2025 2025-00068726 PDF
31-12-2023 micro format 19-04-2024 2024-00066048 PDF
31-12-2022 micro format 12-06-2023 2023-00123038 PDF
31-12-2021 micro format 18-08-2022 2022-20304078 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend20252024202320222021
47,645281,17179,54822,26618,969
27,334207,01158,03716,18314,158
1444,0003,5016604,621
-44,635-269,900368,76717,406-
131,326120,75283,89128,05912,536
37.0%32.3%12.9%54.6%64.2%
2.451.761.142.112.47
2.441.760.722.112.47
1.702.106.770.830.56
2.1%87.8%65.2%49.7%80.4%
0.8%28.3%8.4%27.2%51.6%
2.6614.0911.4088.6157.80

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets-€440,000-€660€4,621
Financial fixed assets€1€4,000€3,501--
€22,189€1,044€1,104€1,049€1,863

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on SMT-CONSTRUCT

The operating result for 2025 is 91% lower than in 2024 and the lowest since 2022.

Debt's share of the balance-sheet total falls from 67.7% to 63.0%. Equity is higher and debt is lower.

Large changes and their cause
  • 2024 Net result +262% on 2023. The accounts now follow the abbreviated format, last year the micro format.

Board & ownership

Board

1 director
STINISSEN TOM
Director
since 27-02-2020
listed in the 2025 annual accounts, filed on 03-04-2026

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
STINISSEN TOM
Director
Board
Mandates as a list
  • STINISSEN TOM
    • Director, from 27-02-2020 to date

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution
€3,000
Source
2025 annual accounts

Network & group

Holdings

own 2025 accounts, the bar shows equity in euros
This companySMT-CONSTRUCT2 holdings, 1 country 2025 accounts

Belgium 2 Equity Result

Source: list of holdings in its own 2025 accounts. Every holding stands with its own latest accounts.

Holdings and subsidiaries

2 holdings

Holdings 2

Share, source and own figures per holding (2)

Source for every holding own accounts 2025

  • A-BUILDSTORE
    Equity -€53,017 Loss of €34,507 in 2025 (loss of €28,510 in 2024) Checked score 46
    40%
  • A-ROOF
    Equity €256,533 Profit of €63,730 in 2025 (profit of €91,229 in 2024) Checked score 55
    24%
Holdings through the years 2023 to 2025
Holdings through the years
Name202320242025
A-BUILDSTORE 40%
A-ROOF 22%24%

Source: list of holdings in its own accounts

Board mandates elsewhere

1 board mandate
Board mandates of SMT-CONSTRUCTSMT-CONSTRUCT sits on their board1
A-ROOF
Director
Founded in 2022 · 7 FTE (2025) · group A-HOLDING

Connections & network

1 current director
Depth

The board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

Timeline

Timeline

14 events since 2020

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed PDFabbreviated format · 119 days before the deadline
2025
Weakest financial year net €5,145 ▼97.5% The net result drops to €5,145, the lowest from 2021 to 2025.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0744556756
Annual accounts 2024 filed PDFabbreviated format · 111 days before the deadline
2024
Highest result from 2021 to 2025 net €205,967 ▲262% The operating result of €280,127 and the net result of €205,967 are both a record.
Equity above €200,000 equity €234,504 ▲168% With a profit in every financial year since 2021, equity grows to €234,504.
Duration · Capital PDFBoard rule · Representation rule
Annual accounts 2023 filed PDFmicro format · 103 days before the deadline
2023
Annual accounts 2022 filed PDFmicro format · 49 days before the deadline
2022
Annual accounts 2021 filed PDFmicro format · 18 days late
General meeting · Director resignation PDFDirector discharge · Director appointment
2020
General meeting · Director resignation PDFDirector discharge · Permanent representative
Incorporation PDFpublished on 03-03-2020
First establishment Reppelerweg 106, Bocholt

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

SMT-CONSTRUCT was incorporated on 28 February 2020 as a private limited company.1 Total assets rose from €23,823 in 2021 to €647,627 in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2021 and 2025

Company details

Identity

Enterprise number
0744.556.756
VAT number
BE 0744.556.756
Peppol ID
0208:0744556756
Legal form
Private limited company
Status
Active, normal situation
Founded
28-02-2020
Financial year
ends on 31 December
Peppol
Reachable since 13-05-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
SMT-CONSTRUCT in Dutch
Entity type
Legal entity

Activities

NACEBEL 2025
71111 Activities of building architects main activity
Codes under NACEBEL 2008
71111 Architectural and engineering activities; technical testing and analysis main activity

Registered office and establishments

1 establishment
Establishment Since Unit number
Reppelerweg 106 registered office 3950 Bocholt 16110 Sawmilling and planing of wood 28-02-2020 2.300.376.774

Buildings and parcels at the address

Ground area
782 m²
Buildings
158 m²
Volume, LiDAR
1,113 m³
Tallest building
11.0 m
Buildings to scale, each on its own parcel
158 m², 10.9 m 158 m², 10.9 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
72031A0098/00Y014782 m² 1 · 158 m² 10.9 m · 2

Contact

E-mail eric@sakpellens.be establishment in Bocholt
Phone +32 11 80 55 72 establishment in Bocholt

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