SMT SERVICES
ActiveThe computed 12-month bankruptcy probability of SMT SERVICES is 2.4% (moderate). The 2025 annual accounts show equity of €46k and a net result of €28k. Equity is growing by ~16.6% per year across the filed fiscal years. Its solvency ranks better than 39% of 4547 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▲+10
Solvency54▲+9
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.81 against 0.57 in 2024; short-term debt: 50.2% and cash: 7% of total assets), and 71.4% of the assets are financed with debt.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
28.6%
Return on assets
17%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 7 filingsDeviation from the deadline
2025
17 d late
2024
39 d early
2023
57 d early
2022
32 d early
2021
24 d late
2020
59 d late
2019
54 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€46k▲ 148%
2024 · €19k
2019: €17k
2020: €16k
2021: €30k
2022: €37k
2023: €31k
2024: €19k
2019 → 2025
Total assets
€161k▲ 73.5%
2024 · €93k
2019: €24k
2020: €24k
2021: €42k
2022: €49k
2023: €58k
2024: €93k
2019 → 2025
Net result
€28k▲ 239%
2024 · €8k
2019: €11k
2020: €-722
2021: €14k
2022: €7k
2023: €8k
2024: €8k
2019 → 2025
Working capital
€-15k▲ 29.1%
2024 · €-22k
2019: €14k
2020: €-197
2021: €9k
2022: €17k
2023: €-2k
2024: €-22k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€37k▲ 23.1%€31k▼ 14.8%€19k▼ 40.4%€46k▲ 148%
Operating result€18k-€10k▼ 43.4%€10k▲ 2.2%€11k▲ 4.8%€47k▲ 340%
Net result€14k-€7k▼ 49.3%€8k▲ 10.3%€8k▲ 7.0%€28k▲ 239%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 340% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €161k
Fixed assets
€96k▲ 49.2%
Current assets
€66k▲ 127%
Equity and liabilities €161k
Equity
€46k▲ 148%
Debt
€115k▲ 54.9%
The debt ratio falls from 80.0% to 71.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€69k▲
2024 · €23k
Cash flow
€50k▲
2024 · €20k
Solvency
28.6%▲
2024 · 20.0%
Current ratio
0.81▲
2024 · 0.57
Quick ratio
0.81▲
2024 · 0.57
Debt / equity
2.50▼
2024 · 4.00
ROE
59.7%▲
2024 · 43.6%
ROA
17.0%▲
2024 · 8.7%
Interest coverage
22.89▼
2024 · 36.02
Debt
€115k▲
2024 · €74k
Debt ≤ 1 year
€81k▲
2024 · €51k
Debt > 1 year
€34k▲
2024 · €24k
Income taxes
€16k▲
2024 · €2k
Staff costs
€36k
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€93k€161k▲
Fixed assets21/28€64k€96k▲
Tangible fixed assets22/27€64k€96k▲
Plant, machinery and equipment23€2k€593▼
Furniture and vehicles24€63k€95k▲
Current assets29/58€29k€66k▲
Amounts receivable within one year40/41€21k€54k▲
Trade receivables40€14k€54k▲
Other amounts receivable41€7k-
Cash at bank and in hand54/58€8k€11k▲
Deferred charges and accrued income490/1€269€716▲
Equity and liabilities
Total equity and liabilities10/49€93k€161k▲
Equity10/15€19k€46k▲
Contributions10/11€19k€19k=
Reserves13-€28k
Distributable reserves133-€28k
Amounts payable17/49€74k€115k▲
Amounts payable after more than one year17€24k€34k▲
Financial debts170/4€24k€34k▲
Amounts payable within one year42/48€51k€81k▲
Current portion of amounts payable after more than one year42€11k€25k▲
Trade debts44-€4k
Suppliers440/4-€4k
Taxes, remuneration and social security45€6k€30k▲
Taxes450/3€5k€27k▲
Remuneration and social security454/9€2k€4k▲
Other amounts payable47/48€33k€21k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€36k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€22k▲
Other operating charges640/8€10k€19k▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€33k€127k▲
Operating profit (loss)9901€11k€47k▲
Financial income75/76B€302€0▼
Recurring financial income75€302€0▼
Financial charges65/66B€631€3k▲
Recurring financial charges65€631€3k▲
Profit (loss) for the period before taxes9903€10k€44k▲
Income taxes67/77€2k€16k▲
Profit (loss) for the period9904€8k€28k▲
Profit (loss) for the period to be appropriated9905€8k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€28k▼
Profit (loss) brought forward from the previous period14P€24k-
Transfer from equity791/2€600-
Transfer to equity691/2-€28k
To other reserves6921-€28k
Profit to be distributed694/7€33k-
Return on contributions (dividend)694€33k-
The notes to these accounts (8 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
31-12
Financial
Highest result since 2019net €28k ▲239%
Operating result €47k, net result €28k, both a record.
22-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 59 days late
2020
31-12
Financial
Weakest financial yearnet €-722 ▼107%
Net result drops to €-722, the lowest in the series; recovery starts the following year.
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 54 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Vilvoorde · 1 establishment unit since 2020
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.
Opperveldlaan 531800 VilvoordeGround area
283 m²
Building footprint
70 m²
Volume, LiDAR
438 m³
Parcel 23088A0170/00Z024, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SMT SERVICES
since 20202.287.961.863
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23088A0170/00Z024 | Flanders | 283 m² | 1 · 70 m² | 8.8 m · 2 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.
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Of 12,603 companies in sector 49410 we hold annual accounts for 8,194. 5,942 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-04-2019
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:000000000000