S.M. TRAVAUX
ActiveThe computed 12-month bankruptcy probability of S.M. TRAVAUX is 2.4% (moderate). The 2025 annual accounts show equity of €175k and a net result of €48k. Its solvency ranks better than 52% of 4462 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-17
Solvency68▲+11
Growth52
Track record82
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days only on tighter terms
Liquidity short (current ratio 0.86 against 0.62 in 2024; short-term debt: 38.3% and cash: 24.9% of total assets), and 57.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+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 →
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
42.8%
Return on assets
11.6%
Age of the figures
9 mo
neutral · Filed after the deadline
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. 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
28 d late
2024
50 d early
← 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
€175k▲ 37.3%
2024 · €128k
2024: €128k
2024 → 2025
Total assets
€409k▲ 2.8%
2024 · €398k
2024: €398k
2024 → 2025
Net result
€48k▼ 53.6%
2024 · €103k
2024: €103k
2024 → 2025
Working capital
€-23k▲ 63.1%
2024 · €-61k
2024: €-61k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€128k-€175k▲ 37.3%
Operating result€132k-€64k▼ 51.2%
Net result€103k-€48k▼ 53.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 51% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €409k
Fixed assets
€275k▼ 7.7%
Current assets
€134k▲ 34.2%
Equity and liabilities €409k
Equity
€175k▲ 37.3%
Debt
€234k▼ 13.5%
The debt ratio falls from 68.0% to 57.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€135k▼
2024 · €153k
Cash flow
€118k▼
2024 · €124k
Solvency
42.8%▲
2024 · 32.0%
Current ratio
0.86▲
2024 · 0.62
Quick ratio
0.86▲
2024 · 0.62
Debt / equity
1.34▼
2024 · 2.12
ROE
27.2%▼
2024 · 80.4%
ROA
11.6%▼
2024 · 25.8%
Interest coverage
22.98▼
2024 · 99.78
Debt
€234k▼
2024 · €270k
Debt ≤ 1 year
€157k▼
2024 · €161k
Debt > 1 year
€77k▼
2024 · €109k
Income taxes
€11k▼
2024 · €28k
Staff costs
€13k▲
2024 · €11k
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€398k€409k▲
Fixed assets21/28€298k€275k▼
Tangible fixed assets22/27€298k€275k▼
Plant, machinery and equipment23€25k€21k▼
Furniture and vehicles24€228k€184k▼
Leasing and similar rights25€46k€70k▲
Current assets29/58€100k€134k▲
Amounts receivable within one year40/41€29k€31k▲
Trade receivables40€11k€18k▲
Other amounts receivable41€18k€12k▼
Cash at bank and in hand54/58€70k€102k▲
Deferred charges and accrued income490/1€607€2k▲
Equity and liabilities
Total equity and liabilities10/49€398k€409k▲
Equity10/15€128k€175k▲
Contributions10/11€25k€25k=
Reserves13€100k€150k▲
Distributable reserves133€100k€150k▲
Profit (loss) carried forward14€3k€77▼
Amounts payable17/49€270k€234k▼
Amounts payable after more than one year17€109k€77k▼
Financial debts170/4€109k€77k▼
Amounts payable within one year42/48€161k€157k▼
Current portion of amounts payable after more than one year42€45k€53k▲
Trade debts44€26k€56k▲
Suppliers440/4€26k€56k▲
Taxes, remuneration and social security45€36k€17k▼
Taxes450/3€29k€12k▼
Remuneration and social security454/9€6k€4k▼
Other amounts payable47/48€54k€31k▼
Accrued charges and deferred income492/3-€780
Income statement
Code20242025
Remuneration, social security and pensions62€11k€13k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€70k▲
Other operating charges640/8€732€795▲
Gross operating margin9900€165k€148k▼
Operating profit (loss)9901€132k€64k▼
Financial charges65/66B€2k€6k▲
Recurring financial charges65€2k€6k▲
Profit (loss) for the period before taxes9903€130k€58k▼
Income taxes67/77€28k€11k▼
Profit (loss) for the period9904€103k€48k▼
Profit (loss) for the period to be appropriated9905€103k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€103k€50k▼
Profit (loss) brought forward from the previous period14P-€3k
Transfer to equity691/2€100k€50k▼
To the legal reserve6920-€50k
To other reserves6921€100k-
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Equity above €150kEq €175k ▲37.3%
2 profitable years in a row build equity to €175k.
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Saint-Hubert · 1 establishment unit since 2024
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.
Rue du Home 526870 Saint-HubertGround area
971 m²
Building footprint
94 m²
Volume, LiDAR
523 m³
Parcel 84059A1471/00M000, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
S.M. Travaux
since 20242.362.738.767
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84059A1471/00M000 | Wallonia | 971 m² | 1 · 94 m² | 7.5 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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TANS MARK
BE 0466.813.587
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Goolaerts Tuinen
BE 0701.612.975
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Lippens Simon
BE 0635.562.608
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Of 21,216 companies in sector 81300 we hold annual accounts for 4,363. 3,476 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-08-2024
Fiscal year end31-12
Activities, NACEBEL
81300Landscape service activities
01610Support activities for crop production
02200Logging
43120Site preparation
43230Insulation installation
43291Specialised construction activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress 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.
Contact details
2 entriesE-mail:sylvainmutschen@gmail.com
Phone:+32474505934