Summary
SmarAcht has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €150k. Its solvency ranks better than 77% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
No current score
Insufficient figures
A score requires measurable solvency, liquidity and profitability. Missing figures are not a judgement about the company.
Axes · tick = 2024
Profitability-
Solvency93=
Growth55
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
67.8%
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 05-06-2026, 56 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
56 d early
2024
142 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€150k=
2024 · €150k
2024: €150k
2025: €150k● 0.0% vs 2024
2024 → 2025
Total assets
€221k=
2024 · €221k
2024: €221k
2025: €221k● -0.0% vs 2024
2024 → 2025
Net result
Not included in this filing
Working capital
€150k=
2024 · €150k
2024: €150k
2025: €150k● 0.0% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€150k-€150k=
2024: €150k
2025: €150k● 0.0% vs 2024
Operating result€82-€65▼ 21.0%
2024: €82
2025: €65▼ -21.0% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating result
The operating result falls in 2025; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €221k
Equity
€150k =
Debt
€71k =
Debt's share of the balance-sheet total stays at 32.2%.
Key figures and ratios
EBITDA
€65▼
2024 · €2k
Current ratio
3.11=
2024 · 3.11
Quick ratio
0.13▼
2024 · 0.16
Debt to equity
0.48=
2024 · 0.48
Interest coverage
1.00▼
2024 · 26.16
Debt ≤ 1 year
€71k=
2024 · €71k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 22 lines
Balance sheet
Code20242025
Assets
Total assets20/58€221k€221k=
Current assets29/58€221k€221k=
Stocks and contracts in progress3€210k€212k▲
Stocks30/36€210k€212k▲
Amounts receivable within one year40/41€4k€9k▲
Trade receivables40-€1k
Other amounts receivable41€4k€8k▲
Cash at bank and in hand54/58€8k€20▼
Equity and liabilities
Total equity and liabilities10/49€221k€221k=
Equity10/15€150k€150k=
Contributions10/11€150k€150k=
Amounts payable17/49€71k€71k=
Amounts payable within one year42/48€71k€71k=
Trade debts44€6€0▼
Suppliers440/4€6€0▼
Other amounts payable47/48€71k€71k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€0▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€4k€1k▼
Operating profit (loss)9901€82€65▼
Financial charges65/66B€82€65▼
Recurring financial charges65€82€65▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €0 | ▼ 100% |
| Other operating charges640/8 | €1k | €1k | ▼ 18.2% |
| Gross operating margin9900 | €4k | €1k | ▼ 65.9% |
| Operating profit (loss)9901 | €82 | €65 | ▼ 21.0% |
| Financial charges65/66B | €82 | €65 | ▼ 21.0% |
| Recurring financial charges65 | €82 | €65 | ▼ 21.0% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €221k | €221k | = |
| Current assets29/58 | €221k | €221k | = |
| Stocks and contracts in progress3 | €210k | €212k | ▲ 1.0% |
| Stocks30/36 | €210k | €212k | ▲ 1.0% |
| Amounts receivable within one year40/41 | €4k | €9k | ▲ 136% |
| Trade receivables40 | - | €1k | - |
| Other amounts receivable41 | €4k | €8k | ▲ 99.0% |
| Cash at bank and in hand54/58 | €8k | €20 | ▼ 99.7% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €221k | €221k | = |
| Equity10/15 | €150k | €150k | = |
| Contributions10/11 | €150k | €150k | = |
| Amounts payable17/49 | €71k | €71k | = |
| Amounts payable within one year42/48 | €71k | €71k | = |
| Trade debts44 | €6 | €0 | ▼ 100% |
| Suppliers440/4 | €6 | €0 | ▼ 100% |
| Other amounts payable47/48 | €71k | €71k | = |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| + Depreciation and write-downs630 | €2k | €0 | ▼ 100% |
| Operating cash flow (approximation) | €2k | €0 | ▼ 100% |
| Change in cash | - | €-7k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Kampenhout · 1 establishment unit since 2023
Ground area
1,179 m²
Parcel 23008D0133/00E002, Flanders. Linked by address, not a title deed.
1 establishment unit
SmarAcht
since 20232.340.553.382
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23008D0133/00E002 | Flanders | 1,179 m² | - | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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
Kocie Wonen
BE 0680.995.428
Stekene · Eq €150,000
NYS-VANDEBROEK WONINGBOUW
BE 0845.440.221
Heusden-Zolder · Eq €150,000
DDS LA HULPE
BE 0882.814.222
Lasne · Eq €150,034
MT-WESTERN-QH
BE 0465.878.528
Begijnendijk · Eq €150,091
VAN REMORTEL
BE 0786.572.901
Dendermonde · Eq €149,799
Of 9,693 companies in sector 68121 we hold annual accounts for 7,385. 5,339 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
Scores and ratios are computed by Checked and are not a credit decision.