Financials
- Fiscal year
- 2025
- Total assets
- €19,002
- Profit
- €3,015
- Solvency
- -84.1%
Total assets▲ 16.5%
Net result
20192025
SMART A'DVICE
ActiveSummary
SMART A'DVICE has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€15,986) and a net result of €3,015. Equity is shrinking by ~40.5% per year across the filed fiscal years. Its solvency ranks better than 6% of 8535 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Activity
Office administrative and support services
NACE 82100NACE 82110
1 site
Size
€19,002total assets 2025
- Equity
- -€15,986
- Profit
- €3,015
Turnover not published (abridged schema)
Structure
Accounts on time0 of 2 deeds read
Why 55Capped at 59: negative equity- Negative equity -€15,986+ Size: total assets €19,002+ Liquidity: current ratio 0.50, cash €9,215+ Sector Office administrative, office support and other business support activities (NACE 82)Show the evidence
Checked score
Score 2025
55
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 42% of its sector peers (NACE 82, micro)
Performance against the sector, not lower risk
Negative equity caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency
0=
equity -84.1% of total assets
Liquidity
50+39
short-term debt 183.5% · cash 48.5%
Profitability
89+20
return on assets 15.9%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 15 months
08-2025: 0.3%
09-2025: 0.3%▲ +0.4% vs 08-2025
10-2025: 0.4%▲ +31.5% vs 09-2025
11-2025: 0.5%▲ +40.3% vs 10-2025highest value
12-2025: 0.2%▼ -61.6% vs 11-2025
01-2026: 0.2%● 0.0% vs 12-2025
02-2026: 0.2%● 0.0% vs 01-2026
03-2026: 0.2%● 0.0% vs 02-2026
04-2026: 0.2%▼ -1.6% vs 03-2026lowest value
05-2026: 0.2%● 0.0% vs 04-2026lowest value
06-2026: 0.2%▲ +4.3% vs 05-2026
07-2026: 0.2%▲ +8.2% vs 06-2026
08-2026: 0.2%▲ +0.5% vs 07-2026
09-2026: 0.2%▼ -0.9% vs 08-2026
10-2026: 0.2%▲ +10.9% vs 09-2026
- Size: total assets €19,002 lowers the probability for this profile
- Negative equity -€15,986 raises the probability
- Liquidity: current ratio 0.50, cash €9,215 lowers the probability
- Sector Office administrative, office support and other business support activities (NACE 82) lowers the probability
No credit on open account
Liquidity short (current ratio 0.5 against 0.39 in 2024; short-term debt: 183.5% and cash: 48.5% of total assets), and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 82, micro). Better than this share of them on solvency 5%, liquidity 37%, profitability 64%, growth against the median 62%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 6% of 8535 sector peers (2025).
NBB · sector comparisonPosition among 8535 sector peers
Solvency
better than 6%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
3 d early
2023
2 d early
2022
9 d late
2021
3 d late
2020
2 d early
2019
3 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average on the deadline day; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 31 October (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close02-10-2026 today31-10-2026 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Highest result since 2019net €3,015 ▲6,770%
- Annual accounts filedfiscal year 2024 · abbreviated…
Key points
By topic
Timeline
- Events
- 12
- Since
- 2016
- Next accounts
- by 31-10-2026
- 31-10-2025Annual accounts filed
- 31-03-2025Highest result since 2019
- 28-10-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Office administrative and support servicesNACE 82100
- Founded
- 27-04-2010
- Year ends
- 31-03
- Peppol
- Reachable for e-invoices
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