S. SMARTPRO
ActiveThe computed 12-month bankruptcy probability of S. SMARTPRO is 2.8% (moderate). The 2025 annual accounts show equity of €20k and a net result of €8k. Its solvency ranks better than 62% of 10345 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-17
Solvency73▲+13
Growth52
Track record82
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.92 against 1.51 in 2024; short-term debt: 51.8% and cash: 55.4% of total assets), but 51.8% 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
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
48.2%
Return on assets
18.1%
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 14-07-2026, 17 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
17 d early
2024
50 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, abbreviated schema
Equity
€20k▲ 132%
2024 · €9k
2024: €9k
2024 → 2025
Total assets
€42k▲ 67.4%
2024 · €25k
2024: €25k
2024 → 2025
Net result
€8k▼ 13.0%
2024 · €9k
2024: €9k
2024 → 2025
Working capital
€20k▲ 137%
2024 · €8k
2024: €8k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€9k-€20k▲ 132%
Operating result€11k-€10k▼ 11.9%
Net result€9k-€8k▼ 13.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €42k
Fixed assets
€314=
Current assets
€42k▲ 68.2%
Equity and liabilities €42k
Equity
€20k▲ 132%
Debt
€22k▲ 32.8%
The debt ratio falls from 65.2% to 51.8%. Equity and debt are higher.
Key figures and ratios
Solvency
48.2%▲
2024 · 34.8%
Current ratio
1.92▲
2024 · 1.51
Quick ratio
1.46▼
2024 · 1.51
Debt / equity
1.07▼
2024 · 1.88
ROE
37.4%▼
2024 · 100.0%
ROA
18.1%▼
2024 · 34.8%
Debt
€22k▲
2024 · €17k
Debt ≤ 1 year
€22k▲
2024 · €17k
Income taxes
€2k▼
2024 · €2k
Staff costs
€4k▲
2024 · €2k
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€25k€42k▲
Fixed assets21/28€314€314=
Financial fixed assets28€314€314=
Current assets29/58€25k€42k▲
Stocks and contracts in progress3-€10k
Stocks30/36-€10k
Amounts receivable within one year40/41€217€8k▲
Trade receivables40-€4k
Other amounts receivable41€217€4k▲
Cash at bank and in hand54/58€25k€23k▼
Equity and liabilities
Total equity and liabilities10/49€25k€42k▲
Equity10/15€9k€20k▲
Contributions10/11-€4k
Capital10-€4k
Issued capital100-€4k
Profit (loss) carried forward14€9k€16k▲
Amounts payable17/49€17k€22k▲
Amounts payable within one year42/48€17k€22k▲
Trade debts44€1k-
Suppliers440/4€1k-
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€4k€6k▲
Remuneration and social security454/9€609€998▲
Other amounts payable47/48€10k€15k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€4k▲
Gross operating margin9900€13k€14k▲
Operating profit (loss)9901€11k€10k▼
Financial charges65/66B€42€167▲
Recurring financial charges65€42€167▲
Profit (loss) for the period before taxes9903€11k€10k▼
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€9k€8k▼
Profit (loss) for the period to be appropriated9905€9k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€16k▲
Profit (loss) brought forward from the previous period14P-€9k
The notes to these accounts (1 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
19-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 50 days late
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, Liège · 2 establishment units since 2024
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.
Rue Léopold 444000 LiègeGround area
185 m²
Building footprint
139 m²
Volume, LiDAR
2,878 m³
2 parcels, Wallonia · tallest building 22.2 m, ±7 floors. Linked by address, not a title deed.
2 establishment units
S. SMARTPRO
since 20242.358.226.386
s.smart pro market
since 20262.390.231.834
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62063A0442/00D000 | Wallonia | 112 m² | 1 · 99 m² | 22.2 m · 7 fl. |
| 62063A0538/00H000 | Wallonia | 73 m² | 1 · 40 m² | 20.6 m · 7 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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BE 0674.526.914
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Of 3,227 companies in sector 47400 we hold annual accounts for 1,806. 1,190 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-02-2024
Fiscal year end31-12
Activities, NACEBEL
47400Retail sale of information and communication equipment
47420Retail trade
47789Other retail sale of new goods
61100Wired, wireless and satellite telecommunications
61200Telecommunications
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.