SMAYI · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of SMAYI is 1.4% (low). The 2025 annual accounts show equity of €6k and a net result of €3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 76% of 856 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.

Signals

2 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 76% of 856 peers (2025). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-04-2026, 94 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 5 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	28-04-2026	94 d early	2026-00089955
31-12-2024	31-07-2025	29-05-2025	63 d early	2025-00110498
31-12-2023	31-07-2024	14-08-2024	14 d late	2024-00344292
31-12-2022	31-07-2023	04-08-2023	4 d late	2023-00314973
31-12-2021	31-07-2022	30-08-2022	30 d late	2022-20416472

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2020, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

1.4% Low

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€3k-12.3%

Working capital€6k+125.2%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 28-04-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	69.7%	35.5%	better than 76% of 856 sector peers
Net result	€3k	€10k	better than 37% of 855 sector peers
Equity	€6k	€40k	better than 26% of 857 sector peers
Gross operating margin	€4k	€31k	better than 24% of 854 sector peers
Total assets	€8k	€132k	better than 5% of 856 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P76

Stable position over 2021-2025 · n=856-3354

Net result P37

Stable position over 2021-2025 · n=855-3341

Equity P26

Stable position over 2021-2025 · n=857-3361

Gross operating margin P24

Stable position over 2021-2025 · n=854-3327

Describes the position versus peers, not a forecast.

Net profit

€3k

-12.3% 21-25

Total assets

€8k

+65.6% 21-25

Equity

€6k

+125.2% 21-25

Working capital

€6k

+125.2% 21-25

Debt

€2k

+2.8% 21-25

Debt ≤ 1y

€2k

+2.8% 21-25

Current ratio

3.30

+61.0% 21-25

Quick ratio

1.20

+471.7% 21-25

Solvency

69.7%

+36.0% 21-25

Debt / equity

0.43

-54.3% 21-25

ROE

55.6%

-61.0% 21-25

ROA

38.8%

-47.0% 21-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	-
Net profit	€3k
Cash flow	-
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€8k
Equity	€6k
Debt	€2k
of which ≤ 1y	€2k
of which > 1y	-
Working capital	€6k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	3.30
Quick ratio	1.20
Working capital ratio	69.7%
Solvency	69.7%
Debt / equity	0.43
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	38.8%
ROE	55.6%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Equity & liabilities

Equity €6k · 69.7% Debt €2k · 30.3%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€8k
Current assets	29/58	€8k
Stocks & contracts in progress	3	€5k
Amounts receivable within one year	40/41	€3k
Cash & bank	54/58	€65
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€8k
Equity	10/15	€6k
Contributions / capital	10/11	€5k
Accumulated profits (losses)	14	€522
Amounts payable	17/49	€2k
Amounts payable within one year	42/48	€2k
Income statement
Gross operating margin	9900	€4k
Operating result	9901	€3k
Financial charges	65	€107
Result before taxes	9903	€3k
Net result for the period	9904	€3k
Result to be appropriated	9905	€3k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

85 / 100 Excellent

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Abdijstraat 552020 Antwerpen

Establishment units

1 location

SMAYI

Abdijstraat 55, 2020 AntwerpenKleinhandel in huishoudtextiel zoals lakens, dekens, tafelkleden, handdoeken, enz

since 20212.311.177.626

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area284 m²

Buildings1

Building footprint126 m²

Volume (LiDAR)782 m³

Tallest building10.5 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11809I2439/00D004	Flanders	284 m²	1 · 126 m²	10.5 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

87 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 85

Profitability 100

Solvency 100

Growth 58

Stability 94

Ask AI about this company

Checked AI

Soon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.

TryWhat are the main risks?Any recent red flags?Compare to sector peers

Coming soon

AI due-diligence brief

Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon

The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works