OFFICE HOF
ActiveThe annual accounts of OFFICE HOF for fiscal year 2025 show a net loss of 842% of the equity at the start of that year. The 2025 annual accounts show equity of €50k and a net result of €-18k. Equity is growing by ~1157% per year across the filed fiscal years. Its solvency ranks better than 24% of 3184 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability6▲+6
Solvency47▼-49
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.0; short-term debt: 13.9% and cash: 1.1% of total assets), and 77.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 70
Relative position
BE, all sectors
reference
Sector 70
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 2025Solvency, return and age of the figures
Solvency
22.5%
Return on assets
-7.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 3184 sector peers (2025).
NBB · sector comparisonPosition among 3184 sector peers
Solvency
better than 24%
← weakest
strongest →
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 22-07-2026, 9 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
9 d early
2024
21 d early
2023
274 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€7k
EBIT margin
-218.3%
Net result
€-18k▼ 1,905%
2024 · €-874
2023: €-2k
2024: €-874
2023 → 2025
Working capital
€8▼ 99.6%
2024 · €2k
2023: €2k
2024: €2k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Turnover€7k
Equity€2k-€2k▲ 6.5%€50k▲ 2,308%
Operating result€-2k-€-830▲ 45.6%€-15k▼ 1,741%
Net result€-2k-€-874▲ 43.5%€-18k▼ 1,905%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €15k in 2025 against €830 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €223k
Fixed assets
€192k
Current assets
€31k
Equity and liabilities €223k
Equity
€50k▲ 2,308%
Debt
€173k▲ 19,786%
The debt ratio rises from 29.4% to 77.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€-14k
Cash flow
€-17k
Solvency
22.5%
Current ratio
1.00
Quick ratio
1.00
Debt / equity
3.45
ROE
-35.0%
ROA
-7.9%
Interest coverage
-6.48
Debt
€173k▲
2024 · €868
Debt ≤ 1 year
€31k▲
2024 · €868
Debt > 1 year
€139k
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€3k€223k▲
Fixed assets21/28-€192k
Tangible fixed assets22/27-€192k
Land and buildings22-€174k
Other tangible fixed assets26-€17k
Current assets29/58€3k€31k▲
Amounts receivable within one year40/41€277€28k▲
Other amounts receivable41€277€28k▲
Cash at bank and in hand54/58€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€3k€223k▲
Equity10/15€2k€50k▲
Contributions10/11€5k€70k▲
Capital10-€70k
Issued capital100-€70k
Profit (loss) carried forward14€-2k€-20k▼
Amounts payable17/49€868€173k▲
Amounts payable after more than one year17-€139k
Financial debts170/4-€120k
Other amounts payable178/9-€18k
Amounts payable within one year42/48€868€31k▲
Current portion of amounts payable after more than one year42-€13k
Trade debts44€650€18k▲
Suppliers440/4€650€18k▲
Other amounts payable47/48€218€218=
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Turnover70-€7k
Goods, raw materials, services and sundry goods60/61€830€21k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€802
Other operating charges640/8-€50
Gross operating margin9900€-830€-14k▼
Operating profit (loss)9901€-830€-15k▼
Financial charges65/66B€44€2k▲
Recurring financial charges65€44€2k▲
Profit (loss) for the period before taxes9903€-874€-18k▼
Profit (loss) for the period9904€-874€-18k▼
Profit (loss) for the period to be appropriated9905€-874€-18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-20k▼
Profit (loss) brought forward from the previous period14P€-2k€-2k▼
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
01-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 274 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Agatha-Berchem · 1 establishment unit since 2026
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.
Groot-Bijgaardenstraat 141082 Sint-Agatha-BerchemGround area
1,124 m²
Building footprint
1,034 m²
Volume, LiDAR
6,383 m³
2 parcels, Brussels, Flanders · tallest building 12.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OFFICE HOF
since 20262.388.520.278
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23322L0494/00A000 | Flanders | 834 m² | 1 · 741 m² | 12.2 m · 2 fl. |
| 21342B0043/00F003 | Brussels | 290 m² | 1 · 293 m² | 10.6 m · 2 fl. |
Linked by address, not proof of ownership
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.
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Of 5,700 companies in sector 70100 we hold annual accounts for 3,494. 2,038 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-05-2023
Fiscal year end31-12
Legal name FR
SMART MANAGEMENT SYSTEMS
Abbreviation FR
SMS
Activities, NACEBEL
70100Activities of head offices
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:+32476271745