B SMART-TRADE
ActiveB SMART-TRADE has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €7k. Equity is growing by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 70% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-18
Solvency91▼-6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.83 against 3.39 in 2024; short-term debt: 33.7% and cash: 31.8% of total assets), and 33.7% 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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
66.3%
Return on assets
6.4%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
27 d early
2023
61 d late
2022
92 d late
2021
50 d late
2020
122 d late
2019
186 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€126k
EBIT margin
-0.1%
Net result
€7k▼ 62.8%
2024 · €20k
2018: €16k
2019: €-663
2020: €5k
2021: €-4k
2022: €1k
2023: €267
2024: €20k
2018 → 2025
Working capital
€69k▲ 13.0%
2024 · €61k
2018: €30k
2019: €29k
2020: €37k
2021: €23k
2022: €32k
2023: €40k
2024: €61k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€126k-
Equity€46k-€48k▲ 3.2%€48k▲ 0.6%€68k▲ 40.6%€75k▲ 10.8%
Operating result€-129-€2k€2k▼ 27.5%€28k▲ 1,512%€11k▼ 61.4%
Net result€-4k-€1k€267▼ 81.8%€20k▲ 7,207%€7k▼ 62.8%
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 61% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €113k
Fixed assets
€5k▼ 11.5%
Current assets
€107k▲ 23.3%
Equity and liabilities €113k
Equity
€75k▲ 10.8%
Debt
€38k▲ 48.0%
The debt ratio rises from 27.5% to 33.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€14k▼
2024 · €44k
Cash flow
€10k▼
2024 · €35k
Solvency
66.3%▼
2024 · 72.5%
Current ratio
2.83▼
2024 · 3.39
Quick ratio
2.79▼
2024 · 3.18
Debt / equity
0.51▲
2024 · 0.38
ROE
9.7%▼
2024 · 28.9%
ROA
6.4%▼
2024 · 20.9%
Interest coverage
33.48▼
2024 · 54.04
Debt
€38k▲
2024 · €26k
Debt ≤ 1 year
€38k▲
2024 · €26k
Income taxes
€3k▼
2024 · €8k
Staff costs
€12k
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€113k▲
Fixed assets21/28€6k€5k▼
Intangible fixed assets21€320-
Tangible fixed assets22/27€6k€5k▼
Land and buildings22€4k€2k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24-€2k
Current assets29/58€87k€107k▲
Amounts receivable after more than one year29-€25k
Other amounts receivable291-€25k
Stocks and contracts in progress3€5k€2k▼
Stocks30/36€5k€2k▼
Amounts receivable within one year40/41€8k€42k▲
Trade receivables40€6k€36k▲
Other amounts receivable41€2k€6k▲
Cash at bank and in hand54/58€71k€36k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€93k€113k▲
Equity10/15€68k€75k▲
Contributions10/11€13k€13k=
Reserves13€55k€62k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€146€146=
Distributable reserves133€53k€60k▲
Amounts payable17/49€26k€38k▲
Amounts payable within one year42/48€26k€38k▲
Current portion of amounts payable after more than one year42€12k-
Trade debts44€2k€20k▲
Suppliers440/4€2k€20k▲
Taxes, remuneration and social security45€8k€15k▲
Taxes450/3€8k€11k▲
Remuneration and social security454/9-€4k
Other amounts payable47/48€4k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€12k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€3k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€11k€-11k▼
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€393-
Gross operating margin9900€57k€16k▼
Operating profit (loss)9901€28k€11k▼
Financial income75/76B€191€255▲
Recurring financial income75€191€255▲
Financial charges65/66B€807€413▼
Recurring financial charges65€807€413▼
Profit (loss) for the period before taxes9903€28k€11k▼
Income taxes67/77€8k€3k▼
Profit (loss) for the period9904€20k€7k▼
Transfer to tax-exempt reserves689€146-
Profit (loss) for the period to be appropriated9905€19k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€7k▼
Transfer to equity691/2€19k€7k▼
To other reserves6921€19k€7k▼
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €20k ▲7207%
Operating result €28k, net result €20k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
19-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 50 days late
2021
31-12
Financial
Weakest financial yearnet €-4k ▼180%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 122 days late
02-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 186 days late
2020
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
2019
31-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 153 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
06-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 37 days late
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, Bilzen-Hoeselt · 1 establishment unit since 2010
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.
Akkerstraat 53740 Bilzen-HoeseltGround area
1,342 m²
Building footprint
186 m²
Volume, LiDAR
944 m³
Parcel 73006D0149/00F000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B Smart-Trade
since 20102.187.007.035
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73006D0149/00F000 | Flanders | 1,341 m² | 1 · 186 m² | 8.0 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 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,962 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded16-03-2010
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.