iSmart
ActiveiSmart has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €538k and a net result of €76k. Equity is growing by ~28.2% per year across the filed fiscal years. Its solvency ranks better than 79% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-30
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 5.59 against 3.76 in 2024), and 17.7% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
82.3%
Return on assets
11.6%
Age of the figures
9 mo
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
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
1 d early
2023
5 d early
2022
6 d early
2021
5 d early
2020
4 d early
2019
2 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€538k▲ 6.9%
2024 · €503k
2018: €94k
2019: €135k
2020: €167k
2021: €239k
2022: €244k
2023: €349k
2024: €503k
2018 → 2025
Total assets
€654k▼ 4.8%
2024 · €687k
2018: €277k
2019: €313k
2020: €358k
2021: €433k
2022: €351k
2023: €442k
2024: €687k
2018 → 2025
Net result
€76k▼ 55.4%
2024 · €170k
2018: €23k
2019: €41k
2020: €32k
2021: €72k
2022: €83k
2023: €105k
2024: €170k
2018 → 2025
Working capital
€532k▲ 5.5%
2024 · €504k
2018: €-20k
2019: €24k
2020: €58k
2021: €134k
2022: €255k
2023: €349k
2024: €504k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€239k-€244k▲ 1.9%€349k▲ 42.9%€503k▲ 44.4%€538k▲ 6.9%
Operating result€61k-€119k▲ 96.1%€131k▲ 9.5%€14k▼ 89.2%€-28k
Net result€72k-€83k▲ 15.2%€105k▲ 26.0%€170k▲ 62.1%€76k▼ 55.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €28k after €14k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €654k
Fixed assets
€6k▲ 1,175%
Current assets
€648k▼ 5.7%
Equity and liabilities €654k
Equity
€538k▲ 6.9%
Debt
€116k▼ 36.9%
The debt ratio falls from 26.7% to 17.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€-27k▼
2024 · €14k
Cash flow
€76k▼
2024 · €170k
Solvency
82.3%▲
2024 · 73.3%
Current ratio
5.59▲
2024 · 3.76
Quick ratio
5.59▲
2024 · 3.76
Debt / equity
0.22▼
2024 · 0.36
ROE
14.1%▼
2024 · 33.7%
ROA
11.6%▼
2024 · 24.7%
Interest coverage
1.65▲
2024 · 0.20
Debt
€116k▼
2024 · €184k
Debt ≤ 1 year
€116k▼
2024 · €182k
Income taxes
€29k▼
2024 · €110k
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€687k€654k▼
Fixed assets21/28€498€6k▲
Tangible fixed assets22/27€498€6k▲
Furniture and vehicles24€498€6k▲
Current assets29/58€687k€648k▼
Amounts receivable within one year40/41-€1k
Trade receivables40-€862
Other amounts receivable41-€339
Current investments50/53€595k€643k▲
Cash at bank and in hand54/58€90k€3k▼
Deferred charges and accrued income490/1€1k€829▼
Equity and liabilities
Total equity and liabilities10/49€687k€654k▼
Equity10/15€503k€538k▲
Reserves13€503k€538k▲
Tax-exempt reserves132€170€170=
Distributable reserves133€503k€538k▲
Amounts payable17/49€184k€116k▼
Amounts payable within one year42/48€182k€116k▼
Trade debts44€48k€537▼
Suppliers440/4€48k€537▼
Taxes, remuneration and social security45€111k€82k▼
Taxes450/3€111k€82k▼
Other amounts payable47/48€24k€33k▲
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€220€539▲
Other operating charges640/8€513€593▲
Gross operating margin9900€15k€-26k▼
Operating profit (loss)9901€14k€-28k▼
Financial income75/76B€336k€115k▼
Recurring financial income75€336k€115k▼
Financial charges65/66B€71k€-16k▼
Recurring financial charges65€71k€-16k▼
Profit (loss) for the period before taxes9903€280k€104k▼
Income taxes67/77€110k€29k▼
Profit (loss) for the period9904€170k€76k▼
Profit (loss) for the period to be appropriated9905€170k€76k▼
Appropriation of the result
Profit (loss) to be appropriated9906€170k€76k▼
Transfer from equity791/2€15k€41k▲
Transfer to equity691/2€170k€76k▼
To other reserves6921€170k€76k▼
Profit to be distributed694/7€15k€41k▲
Return on contributions (dividend)694€15k€41k▲
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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €170k ▲62.1%
Net result €170k, the highest in the series.
31-12
Financial
Equity above €500kEq €503k ▲44.4%
7 profitable years in a row build equity to €503k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €239k ▲43.1%
4 profitable years in a row build equity to €239k.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €167k ▲24.1%
3 profitable years in a row build equity to €167k.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €135k ▲43.8%
2 profitable years in a row build equity to €135k.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Roeselare · 1 establishment unit since 2013
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.
Noordhof 48800 RoeselareGround area
2,849 m²
Building footprint
1,550 m²
Volume, LiDAR
8,542 m³
Parcel 36504D0987/00T002, Flanders · tallest building 15.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
iSmart
since 20132.217.257.672
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36504D0987/00T002 | Flanders | 2,849 m² | 1 · 1,550 m² | 15.0 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 171 EUR awarded · 346 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 171 EUR | 346 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
8945006L42338F2YKV45
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POSITIVE ENERGY
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 33,952 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-03-2013
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.