SMART BNB
ActiveSummary
The computed 12-month bankruptcy probability of SMART BNB is 2.0% (moderate). The 2024 annual accounts show equity of €44k and a net result of €6k. Equity is growing by ~24.6% per year across the filed fiscal years. Its solvency ranks better than 76% of 1854 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability78▼-4
Solvency80▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.14 against 0.81 in 2023; short-term debt: 45.4% and cash: 46.1% of total assets), and 45.4% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
+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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
54.6%
Return on assets
7.3%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Accommodation (NACE 55)
about 6% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
34 d early
2023
21 d early
2022
20 d early
2021
6 d early
2020
on the day
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€44k▲ 15.4%
2023 · €38k
Total assets
€81k▲ 18.9%
2023 · €68k
Net result
€6k▼ 17.6%
2023 · €7k
Working capital
€5k
2023 · €-6k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€10k-€1k▼ 85.6%€16k▲ 1,041%€10k▼ 39.9%€10k▲ 0.2%
Net result€10k-€1k▼ 86.2%€15k▲ 1,050%€7k▼ 52.9%€6k▼ 17.6%
Equity€15k-€16k▲ 9.1%€31k▲ 95.6%€38k▲ 23.0%€44k▲ 15.4%
Total assets€17k-€33k▲ 97.5%€61k▲ 84.8%€68k▲ 11.5%€81k▲ 18.9%
Debt€2k-€17k▲ 696%€30k▲ 74.7%€30k▼ 0.5%€37k▲ 23.3%
Working capital€15k-€13k▼ 10.0%€2k▼ 84.9%€-6k€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 0% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €81k
Fixed assets
€39k ▼ 11.3%
Current assets
€42k ▲ 74.3%
Equity and liabilities €81k
Equity
€44k ▲ 15.4%
Debt
€37k ▲ 23.3%
Debt's share of the balance-sheet total rises from 43.8% to 45.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€15k▲
2023 · €15k
Cash flow
€11k▼
2023 · €12k
Current ratio
1.14▲
2023 · 0.81
Debt to equity
0.83▲
2023 · 0.78
ROE
13.4%▼
2023 · 18.7%
ROA
7.3%▼
2023 · 10.5%
Interest coverage
10.28▲
2023 · 6.37
Debt ≤ 1 year
€37k▲
2023 · €30k
Income taxes
€2k▲
2023 · €65
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €174 | €3k | €5k | €5k | = |
| Other operating charges640/8 | - | €27 | €256 | €84 | €74 | ▼ 12.5% |
| Gross operating margin9900 | €10k | €2k | €19k | €15k | €15k | ▲ 0.1% |
| Operating profit (loss)9901 | €10k | €1k | €16k | €10k | €10k | ▲ 0.2% |
| Financial income75/76B | - | - | €13 | - | - | - |
| Recurring financial income75 | €0 | - | €13 | - | - | - |
| Financial charges65/66B | - | €65 | €627 | €2k | €1k | ▼ 38.0% |
| Recurring financial charges65 | €51 | €65 | €627 | €2k | €1k | ▼ 38.0% |
| Profit (loss) for the period before taxes9903 | €10k | €1k | €15k | €7k | €8k | ▲ 12.3% |
| Income taxes67/77 | - | - | - | €65 | €2k | ▲ 3,307% |
| Profit (loss) for the period9904 | €10k | €1k | €15k | €7k | €6k | ▼ 17.6% |
| Profit (loss) for the period to be appropriated9905 | €10k | €1k | €15k | €7k | €6k | ▼ 17.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €17k | €33k | €61k | €68k | €81k | ▲ 18.9% |
| Fixed assets21/28 | - | €3k | €29k | €44k | €39k | ▼ 11.3% |
| Intangible fixed assets21 | - | - | €16k | €12k | €9k | ▼ 29.1% |
| Tangible fixed assets22/27 | - | €3k | €13k | €12k | €10k | ▼ 11.7% |
| Other tangible fixed assets26 | - | €3k | €13k | €12k | €10k | ▼ 11.7% |
| Financial fixed assets28 | - | - | - | €20k | €20k | = |
| Current assets29/58 | €17k | €30k | €32k | €24k | €42k | ▲ 74.3% |
| Amounts receivable within one year40/41 | €1k | €2k | €14k | €314 | €4k | ▲ 1,284% |
| Trade receivables40 | - | €2k | €8k | €117 | €0 | ▼ 100% |
| Other amounts receivable41 | - | €508 | €6k | €197 | €4k | ▲ 2,108% |
| Cash at bank and in hand54/58 | €15k | €28k | €18k | €24k | €37k | ▲ 59.0% |
| Deferred charges and accrued income490/1 | - | €213 | €516 | €236 | €193 | ▼ 18.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €17k | €33k | €61k | €68k | €81k | ▲ 18.9% |
| Equity10/15 | €15k | €16k | €31k | €38k | €44k | ▲ 15.4% |
| Contributions10/11 | - | €5k | €5k | €5k | €5k | = |
| Profit (loss) carried forward14 | €10k | €11k | €26k | €33k | €39k | ▲ 17.7% |
| Amounts payable17/49 | €2k | €17k | €30k | €30k | €37k | ▲ 23.3% |
| Amounts payable within one year42/48 | €2k | €17k | €30k | €30k | €37k | ▲ 23.3% |
| Trade debts44 | €2k | €16k | €28k | €12k | €17k | ▲ 40.2% |
| Suppliers440/4 | - | €16k | €28k | €12k | €17k | ▲ 40.2% |
| Advances received on contracts in progress46 | - | €678 | €2k | €1k | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | €52 | - | €696 | €3k | ▲ 315% |
| Taxes450/3 | - | €52 | - | €696 | €3k | ▲ 315% |
| Other amounts payable47/48 | - | - | €50 | €16k | €17k | ▲ 6.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10k | €1k | €15k | €7k | €6k | ▼ 17.6% |
| + Depreciation and write-downs630 | - | €174 | €3k | €5k | €5k | = |
| Operating cash flow (approximation) | €10k | €2k | €18k | €12k | €11k | ▼ 10.4% |
| Investment in fixed assets (approximation) | - | - | €-29k | €-20k | €0 | ▲ 100% |
| Change in cash | - | €13k | €-10k | €6k | €14k | ▲ 140% |
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
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €15k ▲1,050%
Operating result €16k, net result €15k, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €1k ▼86.2%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Herve · 2 establishment units since 2019
Ground area
2,063 m²
Building footprint
305 m²
Volume, LiDAR
2,492 m³
3 parcels, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
2 establishment units
SMART BNB
since 20192.291.472.966
GPasta Herve
since 20262.389.720.011
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63006C0060/00Y003 | Wallonia | 1,079 m² | 1 · 204 m² | 10.6 m · 3 fl. |
| 63006C0060/00C003 | Wallonia | 774 m² | 1 · 67 m² | 10.2 m · 3 fl. |
| 63035A0536/00B000 | Wallonia | 210 m² | 1 · 34 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,393 companies in sector 55100 we hold annual accounts for 1,514. 871 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
Founded08-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
55100Hotels and similar accommodation
55202Accommodation
55209Other holiday and short-stay accommodation
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
73300Public relations and communication consultancy
93110Operation of sports facilities
Scores and ratios are computed by Checked and are not a credit decision.