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SMGROUP

Active
Private limited company·Goederenvervoer over de weg· 2 yrs active
Lt. Graffplein 15 ·1780 Wemmel, Belgium
KBO/BCE: BE 1004.949.989
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Age2 yrs
Real estate2 parcels · 608 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of SMGROUP is 3.3% (moderate). The 2024 annual accounts show equity of €42k and a net result of €39k. Its solvency ranks better than 81% of 2254 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Signals

1 signal · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 81% of 2254 peers (2024). A comfortable equity buffer.
View the sector comparison

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
Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-01-2026, 161 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. 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 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 08-01-2026 161 d late 2026-00005587

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
Young company
Founded in 2024, under 3 years, statistically higher risk.
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
3.3% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +

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€39k
Working capital€20k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 08-01-2026 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 49, Land transport · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 59.7% 27.4%
better than 81% of 2254 sector peers
Net result €39k €6k
better than 89% of 2238 sector peers
Equity €42k €17k
better than 72% of 2260 sector peers
Gross operating margin €40k €28k
better than 58% of 2226 sector peers
Total assets €70k €66k
better than 52% of 2255 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€40k
Net profit€39k
Cash flow€40k
Staff costs-
Income taxes-
Dividends-
Total assets€70k
Equity€42k
Debt€28k
of which ≤ 1y€28k
of which > 1y-
Working capital€20k
Employees (FTE)-
Ratios (computed)
2024
Current ratio1.69
Quick ratio1.69
Working capital ratio28.0%
Solvency59.7%
Debt / equity0.68
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA55.4%
ROE92.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€70k
Fixed assets 21/28€22k
Tangible fixed assets 22/27€13k
Financial fixed assets 28€9k
Current assets 29/58€48k
Amounts receivable within one year 40/41€18k
Cash & bank 54/58€31k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€70k
Equity 10/15€42k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€39k
Amounts payable 17/49€28k
Amounts payable within one year 42/48€28k
Trade debts payable within one year 44€23k
Income statement
Gross operating margin 9900€40k
Operating result 9901€39k
Result before taxes 9903€39k
Net result for the period 9904€39k
Result to be appropriated 9905€39k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
85 / 100 Excellent
050100
Computed from 3 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 2024. 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.

Lt. Graffplein 151780 Wemmel

Establishment units

1 location
Rue Henri Pirenne 66, 4800 Verviers
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)
since 20242.358.453.248
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area608 m²
Buildings2
Building footprint275 m²
Volume (LiDAR)2,716 m³
Tallest building14.9 m · ±4 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 (50%) Wallonia 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
63572C0154/00H003 Wallonia 461 m² 1 · 131 m² 10.8 m · 3 fl.
22662B0387/00R004 Flanders 147 m² 1 · 144 m² 14.9 m · 4 fl.
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.

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
Health85Profitability100Solvency92Growth-Stability67
86 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 85
Profitability 100
Solvency 92
Growth -
Stability 67

Ask AI about this company

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AI due-diligence brief

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

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Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 2,163 of the 12,432 companies in this sector. 1,849 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Goederenvervoer over de weg, m.u.v. verhuisbedrijven49410Goederenvervoer over de weg49410Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Detailhandel in andere motorvoertuigen (> 3,5 ton)45193Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811Detailhandel in andere motorvoertuigen (> 3,5 ton)47812Diensten in verband met vervoer te land52210Diensten in verband met vervoer te land52210Logistieke diensten52250Overige vervoerondersteunende activiteiten52290
Primary activity highlighted.
Names & trade names
Legal nameNL SMGROUP
Registered office
Lt. Graffplein 15
1780 Wemmel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.