iSmart Digital
ActiveiSmart Digital has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €19k and a net result of €3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 20787 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability67▲+67
Solvency10▲+2
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.74 against 0.63 in 2023), and 93.2% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
6.8%
Return on assets
0.9%
Age of the figures
20 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 20787 sector peers (2024).
NBB · sector comparisonPosition among 20787 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-07-2025, 22 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
22 d early
2023
29 d late
2022
23 d late
2021
4 d early
2020
85 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€19k▲ 15.4%
2023 · €17k
2020: €5k
2021: €31k
2022: €31k
2023: €17k
2020 → 2024
Total assets
€285k▲ 24.7%
2023 · €229k
2020: €94k
2021: €125k
2022: €228k
2023: €229k
2020 → 2024
Net result
€3k
2023 · €-14k
2020: €451
2021: €25k
2022: €42
2023: €-14k
2020 → 2024
Working capital
€-62k▲ 20.1%
2023 · €-77k
2020: €-9k
2021: €11k
2022: €16k
2023: €-77k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€5k-€31k▲ 467%€31k▲ 0.1%€17k▼ 45.5%€19k▲ 15.4%
Operating result€2k-€37k▲ 2,172%€7k▼ 80.2%€-5k€14k
Net result€451-€25k▲ 5,539%€42▼ 99.8%€-14k€3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €14k after a loss of €5k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €285k
Fixed assets
€112k▲ 14.7%
Current assets
€174k▲ 32.1%
Equity and liabilities €285k
Equity
€19k▲ 15.4%
Debt
€266k▲ 25.4%
The debt ratio rises from 92.6% to 93.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€37k▲
2023 · €4k
Cash flow
€26k▲
2023 · €-4k
Solvency
6.8%▼
2023 · 7.4%
Current ratio
0.74▲
2023 · 0.63
Quick ratio
0.60▲
2023 · 0.47
Debt / equity
13.66▲
2023 · 12.57
ROE
13.4%▲
2023 · -83.4%
ROA
0.9%▲
2023 · -6.1%
Interest coverage
3.38▲
2023 · 0.50
Debt
€266k▲
2023 · €212k
Debt ≤ 1 year
€235k▲
2023 · €209k
Debt > 1 year
€30k▲
2023 · €3k
Income taxes
€161▲
2023 · €0
Staff costs
€117k▲
2023 · €100k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€229k€285k▲
Fixed assets21/28€97k€112k▲
Intangible fixed assets21€73k€58k▼
Tangible fixed assets22/27€24k€53k▲
Plant, machinery and equipment23€0€2k▲
Furniture and vehicles24€24k€51k▲
Current assets29/58€132k€174k▲
Stocks and contracts in progress3€33k€33k▲
Stocks30/36€5k€10k▲
Contracts in progress37€28k€23k▼
Amounts receivable within one year40/41€90k€131k▲
Trade receivables40€90k€129k▲
Other amounts receivable41€0€1k▲
Cash at bank and in hand54/58€8k€5k▼
Deferred charges and accrued income490/1€1k€5k▲
Equity and liabilities
Total equity and liabilities10/49€229k€285k▲
Equity10/15€17k€19k▲
Contributions10/11€5k€5k=
Reserves13€12k€14k▲
Distributable reserves133€12k€14k▲
Amounts payable17/49€212k€266k▲
Amounts payable after more than one year17€3k€30k▲
Financial debts170/4€3k€30k▲
Amounts payable within one year42/48€209k€235k▲
Current portion of amounts payable after more than one year42€2k€2k▼
Financial debts43€125k€133k▲
Credit institutions430/8€125k€133k▲
Trade debts44€44k€57k▲
Suppliers440/4€44k€57k▲
Taxes, remuneration and social security45€37k€43k▲
Taxes450/3€24k€28k▲
Remuneration and social security454/9€13k€15k▲
Other amounts payable47/48€453€453=
Income statement
Code20232024
Remuneration, social security and pensions62€100k€117k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€23k▲
Other operating charges640/8€293€1k▲
Gross operating margin9900€105k€155k▲
Operating profit (loss)9901€-5k€14k▲
Financial income75/76B€150€7▼
Recurring financial income75€150€7▼
Financial charges65/66B€9k€11k▲
Recurring financial charges65€9k€11k▲
Profit (loss) for the period before taxes9903€-14k€3k▲
Income taxes67/77€0€161▲
Profit (loss) for the period9904€-14k€3k▲
Profit (loss) for the period to be appropriated9905€-14k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€3k▲
Transfer from equity791/2€14k€0▼
Transfer to equity691/2€0€3k▲
To other reserves6921€0€3k▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-14k ▼33867%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2020net €25k ▲5539%
Operating result €37k, net result €25k, both a record.
07-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Kasterlee · 1 establishment unit since 2019
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.
Boskant 72460 KasterleeGround area
1,209 m²
Building footprint
113 m²
Volume, LiDAR
705 m³
Parcel 13018C0387/00G000, Flanders · tallest building 12.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Boskant 7, 2460 Kasterlee
since 20192.296.438.574
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13018C0387/00G000 | Flanders | 1,209 m² | 1 · 113 m² | 12.2 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
2022 to 2023 · 2 entries · 4,031 EUR awarded · 4,031 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 3,582 EUR | 3,582 EUR |
| 2022 | 1 | 449 EUR | 449 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 16,807 companies in sector 62100 we hold annual accounts for 8,747. 5,731 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-2019
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.