S-mart Services

Active

Private limited companyfounded 20233 yrs activeHoogstraat 62, 1930 Zaventem, BelgiumKBO/BCE: BE 0797.613.974

S-mart Services has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €84k and a net result of €33k. Its solvency ranks better than 70% of 998 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).

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Checked score

Score 2024

93 / 100

Excellent▲ +7 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency100▲+10

Growth52

Stability94

Bankruptcy probability, 12 months

1.2% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €8k at 30 days acceptable

Liquidity ample (current ratio 3.5 against 1.88 in 2023), and 27% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 78

Relative position

BE, all sectors

reference

Sector 78

lower

← fewer bankruptcies more bankruptcies →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-06-2025, 57 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

not confirmed

2024

57 d early

2023

28 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€84k▲ 63.9%

2023 · €51k

2023: €51k

2023 → 2024

Total assets

€115k▲ 7.2%

2023 · €107k

2023: €107k

2023 → 2024

Net result

€33k▼ 32.1%

2023 · €48k

2023: €48k

2023 → 2024

Working capital

€77k▲ 57.4%

2023 · €49k

2023: €49k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€51k-€84k▲ 63.9%

Operating result€62k-€42k▼ 32.5%

Net result€48k-€33k▼ 32.1%

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 2024; 2024 is 32% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €115k

94.5%

Fixed assets €6k▲ 233%

Current assets €108k▲ 3.1%

Equity and liabilities €115k

73.0%

27.0%

Equity €84k▲ 63.9%

Debt €31k▼ 44.6%

The debt ratio falls from 52.3% to 27.0%: equity grows while debt is paid down.

Key figures and ratios

2024 value · change against 2023

EBITDA

€44k▼

2023 · €64k

Cash flow

€34k▼

2023 · €49k

Solvency

73.0%▲

2023 · 47.7%

Current ratio

3.50▲

2023 · 1.88

Quick ratio

3.50▲

2023 · 1.88

Debt / equity

0.37▼

2023 · 1.09

ROE

39.0%▼

2023 · 94.1%

ROA

28.5%▼

2023 · 44.9%

Interest coverage

43.24▼

2023 · 64.46

Debt

€31k▼

2023 · €56k

Debt ≤ 1 year

€31k▼

2023 · €56k

Income taxes

€10k▼

2023 · €13k

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€107k€115k▲

Fixed assets21/28€2k€6k▲

Tangible fixed assets22/27€2k€6k▲

Furniture and vehicles24€2k€6k▲

Current assets29/58€105k€108k▲

Amounts receivable within one year40/41€30k€55k▲

Trade receivables40€30k€26k▼

Other amounts receivable41-€29k

Cash at bank and in hand54/58€75k€53k▼

Deferred charges and accrued income490/1-€197

Equity and liabilities

Total equity and liabilities10/49€107k€115k▲

Equity10/15€51k€84k▲

Contributions10/11€3k€3k=

Profit (loss) carried forward14€48k€81k▲

Amounts payable17/49€56k€31k▼

Amounts payable within one year42/48€56k€31k▼

Trade debts44€19k€16k▼

Suppliers440/4€19k€16k▼

Taxes, remuneration and social security45€13k€15k▲

Taxes450/3€11k€15k▲

Remuneration and social security454/9€3k€410▼

Other amounts payable47/48€24k€0▼

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲

Other operating charges640/8€2k€2k▲

Gross operating margin9900€65k€46k▼

Operating profit (loss)9901€62k€42k▼

Financial income75/76B€1€1k▲

Recurring financial income75€1€1k▲

Financial charges65/66B€987€1k▲

Recurring financial charges65€987€1k▲

Profit (loss) for the period before taxes9903€61k€42k▼

Income taxes67/77€13k€10k▼

Profit (loss) for the period9904€48k€33k▼

Profit (loss) for the period to be appropriated9905€48k€33k▼

Appropriation of the result

Profit (loss) to be appropriated9906€48k€81k▲

Profit (loss) brought forward from the previous period14P-€48k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

2025

04-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

03-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

NBB filing

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, Zaventem · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Hoogstraat 621930 Zaventem

Ground area

1,515 m²

Building footprint

473 m²

Volume, LiDAR

3,661 m³

2 parcels, Flanders · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Vilvoordelaan 23, 1930 Zaventem

Employment placement agencies

since 20232.341.144.389

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23094D0403/00A000	Flanders	1,097 m²	1 · 305 m²	12.5 m · 3 fl.
23094D0354/00Y002	Flanders	418 m²	1 · 168 m²	10.1 m · 1 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.

Similar companies · same sector, comparable size

Beveren-Kruibeke-Zwijndrecht · Eq €83k

NON STOP @ YOUR SERVICE

BE 0863.964.845

Tongeren-Borgloon · Eq €83k

Of 2,347 companies in sector 78100 we hold annual accounts for 1,355. 1,080 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded25-01-2023

Fiscal year end31-12

Activities, NACEBEL

78100Employment placement agencies

85592Vocational training

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.