SMART 2 Consult
ActiveSMART 2 Consult is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €372k and a net result of €23k. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 92% of 7971 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
31 d early
2023
33 d early
2022
34 d early
2021
16 d early
2020
30 d early
2019
30 d early
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€372k▲ 6.1%
2024 · €351k
2018: €238k
2019: €271k
2020: €291k
2021: €305k
2022: €224k
2023: €258k
2024: €351k
2018 → 2025
Net result
€23k▼ 75.1%
2024 · €93k
2018: €34k
2019: €34k
2020: €22k
2021: €15k
2022: €53k
2023: €75k
2024: €93k
2018 → 2025
Total assets
€399k▼ 16.0%
2024 · €475k
2018: €493k
2019: €448k
2020: €473k
2021: €457k
2022: €394k
2023: €398k
2024: €475k
2018 → 2025
Solvency
93.4%▲ 19.5pp
2024 · 73.9%
2018: 48.4%
2019: 60.5%
2020: 61.5%
2021: 66.7%
2022: 56.9%
2023: 64.8%
2024: 73.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€305k-€224k▼ 26.5%€258k▲ 15.0%€351k▲ 36.1%€372k▲ 6.1%
Operating result€31k-€78k▲ 156%€113k▲ 44.1%€143k▲ 26.7%€49k▼ 65.8%
Net result€15k-€53k▲ 246%€75k▲ 41.7%€93k▲ 24.5%€23k▼ 75.1%
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 2025; 2025 is 66% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €399k
Fixed assets
€189k▼ 3.9%
Current assets
€210k▼ 24.5%
Equity and liabilities €399k
Equity
€372k▲ 6.1%
Debt
€26k▼ 78.7%
The debt ratio falls from 26.1% to 6.6%: equity grows while debt is paid down.
Key figures and ratios
Solvency
93.4%▲
2024 · 73.9%
ROE
6.2%▼
2024 · 26.5%
ROA
5.8%▼
2024 · 19.6%
Debt
€26k▼
2024 · €124k
Debt ≤ 1 year
€26k▼
2024 · €34k
Debt > 1 year
€0▼
2024 · €90k
Income taxes
€19k▼
2024 · €39k
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€475k€399k▼
Fixed assets21/28€197k€189k▼
Tangible fixed assets22/27€197k€189k▼
Land and buildings22€196k€189k▼
Plant, machinery and equipment23€978€574▼
Current assets29/58€278k€210k▼
Amounts receivable within one year40/41€34k€18k▼
Trade receivables40€34k€3k▼
Other amounts receivable41-€16k
Current investments50/53€15k€51k▲
Cash at bank and in hand54/58€229k€140k▼
Deferred charges and accrued income490/1€220€310▲
Equity and liabilities
Total equity and liabilities10/49€475k€399k▼
Equity10/15€351k€372k▲
Contributions10/11€19k€19k=
Reserves13€332k€354k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€332k€354k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€124k€26k▼
Amounts payable after more than one year17€90k€0▼
Financial debts170/4€90k€0▼
Amounts payable within one year42/48€34k€26k▼
Current portion of amounts payable after more than one year42€13k€0▼
Trade debts44€2k€13k▲
Suppliers440/4€2k€13k▲
Taxes, remuneration and social security45€17k€12k▼
Taxes450/3€17k€10k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€3k€1k▼
Accrued charges and deferred income492/3€42€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€8k▼
Other operating charges640/8€13k€4k▼
Gross operating margin9900€165k€61k▼
Operating profit (loss)9901€143k€49k▼
Financial income75/76B€2k€4▼
Recurring financial income75€2k€4▼
Financial charges65/66B€12k€6k▼
Recurring financial charges65€12k€6k▼
Profit (loss) for the period before taxes9903€133k€43k▼
Income taxes67/77€39k€19k▼
Profit (loss) for the period9904€93k€23k▼
Profit (loss) for the period to be appropriated9905€93k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€93k€23k▼
Transfer from equity791/2€0€2k▲
Transfer to equity691/2€93k€23k▼
To other reserves6921€93k€23k▼
Profit to be distributed694/7€0€2k▲
Return on contributions (dividend)694€0€2k▲
The notes to these accounts (6 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €93k ▲24.5%
Operating result €143k, net result €93k, both a record.
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet €15k ▼31.1%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Liquidity triplescurrent ratio 9.95
Current ratio from 2.84 to 9.95; short-term debt falls from €89k to €22k.
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Niklaas · 1 establishment unit since 2008
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.
Weimanstraat 549112 Sint-NiklaasGround area
1,552 m²
Building footprint
110 m²
Volume, LiDAR
638 m³
Parcel 46019D0437/00D000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SMART 2 Consult
since 20082.171.248.097
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46019D0437/00D000 | Flanders | 1,552 m² | 1 · 110 m² | 8.6 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 720 EUR awarded · 720 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 720 EUR | 720 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 13,717 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-05-2008
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
71121Engineering and related technical consultancy, excluding land surveyors
73300Public relations and communication consultancy
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.