A-SMART
ActiveSummary
A-SMART has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €16k. Equity is growing by ~24.5% per year across the filed fiscal years. Its solvency ranks better than 91% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+19
Solvency100▲+22
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 9.81 against 13.13 in 2024; short-term debt: 8% and cash: 60.4% of total assets), and 8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
92%
Return on assets
36.3%
Age of the figures
9 mo
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 10-03-2026, 143 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
143 d early
2024
154 d early
2023
97 d early
2022
25 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▲ 65.3%
2024 · €25k
2022: €20k
2023: €20k
2024: €25k
2022 → 2025
Total assets
€45k▼ 5.3%
2024 · €47k
2022: €54k
2023: €51k
2024: €47k
2022 → 2025
Net result
€16k▲ 260%
2024 · €5k
2022: €15k
2023: €211
2024: €5k
2022 → 2025
Working capital
€32k▲ 30.7%
2024 · €24k
2022: €-2k
2023: €7k
2024: €24k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€20k-€20k▲ 1.0%€25k▲ 22.2%€41k▲ 65.3%
Operating result€23k-€1k▼ 93.8%€7k▲ 413%€23k▲ 219%
Net result€15k-€211▼ 98.6%€5k▲ 2,041%€16k▲ 260%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 219% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €45k
Fixed assets
€9k ▼ 55.0%
Current assets
€35k ▲ 34.4%
Equity and liabilities €45k
Equity
€41k ▲ 65.3%
Debt
€4k ▼ 83.9%
Debt's share of the balance-sheet total falls from 47.3% to 8.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€35k▲
2024 · €20k
Cash flow
€28k▲
2024 · €17k
Current ratio
9.81▼
2024 · 13.13
Quick ratio
9.78▼
2024 · 13.08
Debt to equity
0.09▼
2024 · 0.90
ROE
39.5%▲
2024 · 18.2%
ROA
36.3%▲
2024 · 9.6%
Interest coverage
63.52▲
2024 · 29.44
Debt ≤ 1 year
€4k▲
2024 · €2k
Debt > 1 year
€0▼
2024 · €20k
Income taxes
€7k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€47k€45k▼
Fixed assets21/28€21k€9k▼
Tangible fixed assets22/27€21k€9k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€21k€9k▼
Current assets29/58€26k€35k▲
Stocks and contracts in progress3€113€113=
Stocks30/36€113€113=
Amounts receivable within one year40/41€8k€5k▼
Trade receivables40€7k€4k▼
Other amounts receivable41€898€907▲
Cash at bank and in hand54/58€17k€27k▲
Deferred charges and accrued income490/1€918€3k▲
Equity and liabilities
Total equity and liabilities10/49€47k€45k▼
Equity10/15€25k€41k▲
Contributions10/11€5k€5k=
Reserves13€20k€36k▲
Distributable reserves133€20k€36k▲
Amounts payable17/49€22k€4k▼
Amounts payable after more than one year17€20k€0▼
Financial debts170/4€20k€0▼
Amounts payable within one year42/48€2k€4k▲
Financial debts43-€416
Credit institutions430/8-€416
Trade debts44€960€1k▲
Suppliers440/4€960€1k▲
Taxes, remuneration and social security45€613€1k▲
Taxes450/3€613€1k▲
Other amounts payable47/48€424€1k▲
Accrued charges and deferred income492/3€351€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▼
Other operating charges640/8€621€816▲
Gross operating margin9900€20k€36k▲
Operating profit (loss)9901€7k€23k▲
Financial income75/76B-€114
Recurring financial income75-€114
Financial charges65/66B€669€547▼
Recurring financial charges65€669€547▼
Profit (loss) for the period before taxes9903€7k€23k▲
Income taxes67/77€2k€7k▲
Profit (loss) for the period9904€5k€16k▲
Profit (loss) for the period to be appropriated9905€5k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€16k▲
Transfer to equity691/2€5k€16k▲
To other reserves6921€5k€16k▲
The notes to these accounts (5 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
10-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €16k ▲260%
Operating result €23k, net result €16k, both a record.
27-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 8current ratio 13.13
Current ratio from 1.71 to 13.13; short-term debt falls from €10k to €2k.
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €211 ▼98.6%
Net result drops to €211, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 1.71
Current ratio from 0.78 to 1.71.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2021
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.
Leo Verbeecklaan 252070 Beveren-Kruibeke-ZwijndrechtGround area
1,718 m²
Building footprint
231 m²
Volume, LiDAR
1,969 m³
Parcel 11011A0289/00V000, Flanders · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
A-SMART
since 20212.321.114.483
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11011A0289/00V000 | Flanders | 1,718 m² | 1 · 231 m² | 10.2 m · 3 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.
Similar companies · same sector, comparable size
GDB ENERGY CONSULTING
BE 1005.401.238
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REINSIGHT
BE 1009.572.436
Maasmechelen · Eq €41,088
NSHIMIYIMANA
BE 1021.696.743
Koekelberg · Eq €41,066
B&M-Group
BE 0791.857.223
Brecht · Eq €41,042
S-OFFICE
BE 1009.105.252
Antwerpen · Eq €41,160
Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 6,739 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-07-2021
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.