SMARDD Consulting
ActiveSummary
SMARDD Consulting has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €65k. Equity is growing by ~120.6% per year across the filed fiscal years. Its solvency ranks better than 38% of 3480 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+17
Solvency61▲+61
Growth78=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 0.65 in 2024; short-term debt: 63.7% and cash: 83% of total assets), but 63.7% of the assets are financed with debt.
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 74
Relative position
BE, all sectors
reference
Sector 74
lower
← 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
36.3%
Return on assets
52.2%
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 02-07-2026, 29 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
29 d early
2024
30 d early
2023
30 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€45k
2024 · €-20k
2023: €-32k
2024: €-20k
2023 → 2025
Total assets
€124k▲ 212%
2024 · €40k
2023: €26k
2024: €40k
2023 → 2025
Net result
€65k▲ 433%
2024 · €12k
2023: €-34k
2024: €12k
2023 → 2025
Working capital
€44k
2024 · €-21k
2023: €-34k
2024: €-21k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-32k-€-20k▲ 38.1%€45k
Operating result€-33k-€17k€80k▲ 366%
Net result€-34k-€12k€65k▲ 433%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 366% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €124k
Fixed assets
€643 ▼ 43.4%
Current assets
€124k ▲ 220%
Equity and liabilities €124k
Equity
€45k
Debt
€79k
Debt finances 63.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€80k▲
2024 · €18k
Cash flow
€65k▲
2024 · €13k
Current ratio
1.56▲
2024 · 0.65
Debt to equity
1.75▲
2024 · -3.01
ROE
143.8%
ROA
52.2%▲
2024 · 30.6%
Interest coverage
22.90▲
2024 · 3.91
Debt ≤ 1 year
€79k▲
2024 · €60k
Income taxes
€12k▲
2024 · €467
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 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€40k€124k▲
Fixed assets21/28€1k€643▼
Tangible fixed assets22/27€1k€643▼
Furniture and vehicles24€1k€643▼
Current assets29/58€39k€124k▲
Amounts receivable within one year40/41€6k€16k▲
Trade receivables40€6k€16k▲
Cash at bank and in hand54/58€31k€103k▲
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€40k€124k▲
Equity10/15€-20k€45k▲
Contributions10/11€3k€3k=
Reserves13-€43k
Distributable reserves133-€43k
Profit (loss) carried forward14€-22k-
Amounts payable17/49€60k€79k▲
Amounts payable within one year42/48€60k€79k▲
Trade debts44€245€596▲
Suppliers440/4€245€596▲
Taxes, remuneration and social security45€931€20k▲
Taxes450/3€931€20k▲
Other amounts payable47/48€58k€59k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€493€493=
Other operating charges640/8€168€170▲
Gross operating margin9900€18k€81k▲
Operating profit (loss)9901€17k€80k▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€13k€76k▲
Income taxes67/77€467€12k▲
Profit (loss) for the period9904€12k€65k▲
Profit (loss) for the period to be appropriated9905€12k€65k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-22k€43k▲
Profit (loss) brought forward from the previous period14P€-34k€-22k▲
Transfer to equity691/2-€43k
To other reserves6921-€43k
The notes to these accounts (4 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €65k ▲433%
Operating result €80k, net result €65k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.56
Current ratio from 0.65 to 1.56.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Arendonk · 1 establishment unit since 2023
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.
Wolfseind 102370 ArendonkGround area
763 m²
Building footprint
182 m²
Volume, LiDAR
930 m³
Parcel 13001B0525/00B002, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SMARDD Consulting
since 20232.343.189.111
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13001B0525/00B002 | Flanders | 763 m² | 1 · 181 m² | 8.1 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.
Similar companies · same sector, comparable size
CROPTIC
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WEXX
BE 0740.727.929
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Raveel
BE 0759.718.846
Tielt-Winge · Eq €44,873
Tedecon Engineering Brussel
BE 0661.907.709
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EXSTER
BE 0824.768.729
Knokke-Heist · Eq €45,428
Of 4,567 companies in sector 74999 we hold annual accounts for 1,938. 1,508 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-03-2023
Fiscal year end31-12
Abbreviation NL
SMARDD
Activities, NACEBEL 2025
74999Other professional, scientific and technical activities
72101Research and development on biotechnology
72109Other research and development on natural sciences
73200Market research and public opinion polling
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.