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SMART

Active Risk: not assessed Private limited companyfounded 1999active for 26 yearsWeg naar Helchteren 81, 3670 OudsbergenKBO/BCE: BE 0468.476.643 #8 oldest company in Oudsbergen, Finance and insurance sector
SMART
Financial year 2025
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Annual accounts 2025

micro format, filed on 24-07-2026, 7 days before the deadline
€385,405
▲ 18.9%
€431,081
▲ 24.6%
€75,152
▲ 13.3%
89.4%
▼ 4.3 percentage points
19.5%
▼ 1.0 percentage points
17.4%
▼ 1.7 percentage points

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

In the rankings #8 oldest company in Oudsbergen, Finance and insurance sector

Balance sheet

balance sheet total €431,081 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

89.4%

Higher than 87% of 10,277 companies in 2025.

17.4%

Higher than 64% of 10,128 companies in 2025.

SMART Middle half of the sector 80% of the sector Micro accounts in financial services (NACE 64)

Net result: middle half · Equity: middle half · Balance sheet total: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend20252024202320222021202020192018201720162015201420132012201120102009200820072006
Balance sheet: assets
20/58 431,081345,867297,440217,385288,451251,548344,084319,582369,605469,739411,353393,086412,287339,396348,183307,378300,192431,411341,910305,507
21/28 107,764113,555116,999135,783153,999171,843193,733219,013247,851235,373312,357255,577184,529198,284203,416230,256244,757133,542134,468192,268
22/27 107,764113,555116,999135,783153,999171,843193,733219,013247,851235,373312,357255,577184,529198,284203,416230,256244,757133,542134,468192,268
22 58,12953,02263,85874,69385,52991,652102,950114,248125,545119,86190,83792,26146,70749,50542,53776,35073,535100,103126,876182,959
23 4,1815,503-----9421,8842,8253,767---------
24 18,10818,9228,2717,4576,0769,03410,86415,14222,9796,4816,9283,1355,3317,52610,86416,33024,88533,4407,5929,309
26 27,34636,10844,87053,63362,39571,15779,91988,68197,443106,205114,967123,729132,491141,253150,015137,575146,337---
27 ----------95,85736,452--------
29/58 323,317232,311180,44181,602134,45279,705150,351100,569121,754234,36798,996137,509227,758141,111144,76777,12355,435297,869207,442113,239
29 ------12,60012,60012,600-----------
291 ------12,60012,60012,600-----------
3 ------------------32,653-
30/36 ------------------32,653-
40/41 34,75242,21931,37324,35623,74625,03227,1843,5615,3176,77613,89414,4506,37421,1164,3604,1998,16223,82216,7899,819
40 33,67141,57327,19820,18123,21225,03226,6783,1954,3916,77613,89414,4505,82515,2793,7514,1998,16223,82216,1393,751
41 1,0816464,1754,175534-507365927---5495,837609---6506,068
54/58 285,686187,503148,16854,581107,08753,773109,60882,927102,457227,59185,102122,001220,158119,580139,01672,41046,137272,578154,173101,005
490/1 2,8792,5909002,6663,6199009591,4811,380-01,0581,2264151,3915141,1351,4693,8272,415
Balance sheet: equity and liabilities
10/49 431,081345,867297,440217,385288,451251,548344,084319,582369,605469,739411,353393,086412,287339,396348,183307,378300,192431,411341,910305,507
10/15 385,405324,253257,924190,399152,971214,510322,914308,522343,617415,496388,005360,977339,456331,984319,711301,889286,359379,411328,779301,492
10/11 61,50061,50061,50061,50061,50061,500268,500268,500268,500268,500268,500268,500268,50061,50061,50061,50061,500175,000175,000175,000
100 ------268,500268,500268,500268,500268,500268,500268,50061,50061,50061,50061,500175,000175,000175,000
13 330,252269,252203,252136,25299,252160,996160,996146,996146,996146,996119,50592,47770,956270,484258,211240,389224,859204,411153,779126,492
130 ------9,2839,2839,2839,2839,2839,2839,2839,2839,2839,2839,2839,2837,6896,325
132 18,75018,75018,75018,75018,75018,75018,75018,75018,75018,75018,75018,75018,75018,75018,75018,75018,75018,750--
133 311,502250,502184,502117,50280,502142,246132,963118,963118,963118,96391,47264,44442,923242,451230,178212,356196,826176,378146,090120,167
14 -6,347-6,498-6,827-7,353-7,781-7,986-106,582-106,973-71,879-----------
17/49 45,67621,61339,51626,987135,48137,03821,17011,05925,98854,24423,34832,10972,8327,41228,4725,49013,83252,00013,1314,015
42/48 45,67621,61339,51626,787135,48137,03820,57011,05925,98854,24423,34832,10972,8327,4129,9725,49013,83248,98013,1314,015
44 3,8735,0232,56912,08818,18117,9623,5866,48914,56611,1904,96415,4291,3132803,821--439872759
440/4 3,8735,0232,56912,08818,18117,9623,5866,48914,56611,1904,96415,4291,3132803,821--439872759
45 27,80316,59134,92714,30020,55518,73214,3221,9099,94741,67116,10114,56111,3995,0133,0255,11313,83245,95212,2593,256
450/3 27,80316,59134,92714,30020,55518,73210,7527096,04741,67116,10114,56111,3995,0133,0255,11311,61743,73712,2592,906
454/9 ------3,5701,2003,900-------2,2152,215-350
47/48 14,000-2,02039896,7443442,6622,6621,4761,3832,2832,11960,1192,1193,12537702,589--
492/3 ---200--600-------18,500--3,020--
Income statement
76A ---------29,580--4,000----62,212--
9900 145,477117,613119,48476,77781,009147,73844,443-520-37,83871,93665,09747,39851,81538,58856,30959,28473,23138,30368,42560,121
630 36,63422,90220,31220,25223,48423,35625,28028,83930,47729,44314,77517,43413,75623,94230,70035,70444,93835,49332,08131,359
640/8 3,3503,1563,6913,0094,8304,3773,6915,7983,5382,3324,0663,4954,0031,8401,2451,5181,2462,6291,3361,255
66A 96----12,600--------------
9901 105,39691,55695,48153,51552,694107,40515,471-35,156-71,85440,16146,25626,46834,05612,80624,36422,06227,04718135,00727,507
75/76B 1,4921,767276-23524444653531,3853236901,3512,3441,6486232,7312,6703,747964
75 1,4921,767276-23524444653531,3853236901,3512,3441,6486232,7312,6703,747964
65/66B 1621141492661751,0811044034688271163775374356298426330
65 1621141492661751,0811044034688271163775374356298426330
9903 106,72793,20995,60853,24952,543106,37615,811-35,094-71,96941,46446,50826,99539,33014,61425,96922,62929,48065,02138,69128,442
67/77 31,57526,88028,08215,82117,3387,7801,420--9013,97419,4805,4748,8582,3428,1467,1009,03114,38911,40410,144
9904 75,15266,32967,52637,42835,20598,59614,391-35,094-71,87927,49127,02821,52230,47212,27217,82315,52920,44950,63227,28718,297
689 -----------------18,750--
9905 75,15266,32967,52637,42835,20598,59614,391-35,094-71,87927,49127,02821,52230,47212,27217,82315,52920,44931,88227,28718,297
Appropriation of the result
9906 68,65359,50260,17329,64727,219-7,986-92,582-106,973-71,87927,49127,02821,52230,47212,27217,82315,52920,44931,88227,28718,297
14P -6,498-6,827-7,353-7,781-7,986---------------
791/2 14,000---96,74420,000------230,000-------
691/2 75,00066,00067,00037,00035,00020,00014,000--27,49127,02821,52230,47212,27217,82315,52920,44931,88227,28718,297
6920 -----------------1,5941,364915
6921 75,00066,00067,00037,00035,00020,00014,000--27,49127,02821,52230,47212,27217,82315,52920,44930,28825,92217,382
694/7 14,000---96,744-------230,000-------
694 14,000---96,744-------230,000-------
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The accounts for 6 older financial years (2000-2005) were filed as documents without figures as data, scans for example.

The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 24-07-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2025 micro format 24-07-2026 2026-00332986 PDF
31-12-2024 micro format 10-06-2025 2025-00128239 PDF
31-12-2023 micro format 18-06-2024 2024-00137594 PDF
31-12-2022 micro format 27-06-2023 2023-00168272 PDF
31-12-2021 micro format 03-06-2022 2022-20045022 PDF
31-12-2020 micro format 28-06-2021 2021-26100443 PDF
31-12-2019 micro format 18-06-2020 2020-19200085 PDF
31-12-2018 micro format 12-07-2019 2019-32900098 PDF
31-12-2017 micro format 19-08-2018 2018-47200505 PDF
31-12-2016 micro format 31-08-2017 2017-59200386 PDF
31-12-2015 abbreviated format 29-06-2016 2016-26100469 PDF
31-12-2014 abbreviated format 13-07-2015 2015-30400559 PDF
31-12-2013 abbreviated format 29-08-2014 2014-55200569 PDF
31-12-2012 abbreviated format 08-07-2013 2013-28000321 PDF
31-12-2011 abbreviated format 11-07-2012 2012-29400373 PDF
31-12-2010 abbreviated format 29-08-2011 2011-48200050 PDF
31-12-2009 abbreviated format 31-08-2010 2010-53500074 PDF
31-12-2008 abbreviated format 24-08-2009 2009-63900344 PDF
31-12-2007 abbreviated format 31-08-2008 2008-71900142 PDF
31-12-2006 abbreviated format 16-08-2007 2007-57700100 PDF
31-12-2005 abbreviated format 31-08-2006 2006-76302895 PDF
31-12-2004 abbreviated format 28-07-2005 2005-59005007 PDF
31-12-2003 abbreviated format 07-07-2004 2004-41804689 PDF
31-12-2002 abbreviated format 11-06-2003 2003-20900212 PDF
31-12-2001 abbreviated format 25-06-2002 2002-25600195 PDF
31-12-2000 abbreviated format 25-06-2001 2001-25200012 PDF

Subsidies and aid

Flemish government 2022, 1 entry, €1,335 awarded, €1,335 paid

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
€1,335

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend20252024202320222021202020192018201720162015201420132012201120102009200820072006
30,94019,4581,5282,0365,6411,4670042,956127,87971,55588,482018,8103,86021,202156,15338,8785,0823,543
98,18339,33493,588-52,50653,314-55,83526,681-19,530-125,134142,489-36,899-98,157100,578-19,43666,60626,273-226,441118,40553,168-
89.4%93.8%86.7%87.6%53.0%85.3%93.8%96.5%93.0%88.5%94.3%91.8%82.3%97.8%91.8%98.2%95.4%87.9%96.2%98.7%
19.5%20.5%26.2%19.7%23.0%46.0%4.5%-11.4%-20.9%6.6%7.0%6.0%9.0%3.7%5.6%5.1%7.1%13.3%8.3%6.1%
17.4%19.2%22.7%17.2%12.2%39.2%4.2%-11.0%-19.4%5.9%6.6%5.5%7.4%3.6%5.1%5.1%6.8%11.7%8.0%6.0%

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets€30,940€19,458€1,528€2,036€5,641
€36,634€22,902€20,312€20,252€23,484

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on SMART

The operating result for 2025 is 15% higher than in 2024 and the highest since 2020. It is a recovery after the fall in 2024.

Debt's share of the balance-sheet total rises from 6.2% to 10.6%. Equity and debt are higher.

Next steps

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