SMART BNB
ActiveSummary
The computed 12-month bankruptcy probability of SMART BNB is 2.0% (moderate). The 2024 annual accounts show equity of €44,322 and a net result of €5,924. Equity is growing by ~24.6% per year across the filed fiscal years. Its solvency ranks better than 76% of 1856 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 €3,000 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 →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 16 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 45% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€44,322▲ 15.4%
2023 · €38,399
Total assets
€81,205▲ 18.9%
2023 · €68,308
Net result
€5,924▼ 17.6%
2023 · €7,188
Working capital
€5,087
2023 · -€5,828
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 55, Accommodation, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€9,680-€1,391▼ 85.6%€15,869▲ 1,041%€9,535▼ 39.9%€9,557▲ 0.2%
Net result€9,628within the sector's middle half-€1,327within the sector's middle half▼ 86.2%€15,255within the sector's middle half▲ 1,050%€7,188within the sector's middle half▼ 52.9%€5,924within the sector's middle half▼ 17.6%
Equity€14,628within the sector's middle half-€15,955within the sector's middle half▲ 9.1%€31,210within the sector's middle half▲ 95.6%€38,399within the sector's middle half▲ 23.0%€44,322within the sector's middle half▲ 15.4%
Total assets€16,790below the sector's middle half-€33,161below the sector's middle half▲ 97.5%€61,270below the sector's middle half▲ 84.8%€68,308below the sector's middle half▲ 11.5%€81,205below the sector's middle half▲ 18.9%
Debt€2,162-€17,206▲ 696%€30,059▲ 74.7%€29,909▼ 0.5%€36,883▲ 23.3%
Working capital€14,628-€13,161▼ 10.0%€1,992▼ 84.9%-€5,828€5,087
Solvency87.1%above the sector's middle half-48.1%within the sector's middle half▼ 39.0pp50.9%within the sector's middle half▲ 2.8pp56.2%above the sector's middle half▲ 5.3pp54.6%above the sector's middle half▼ 1.6pp
above
within
below
the middle half (P25 to P75) of NACE 55, Accommodation, each year against the same schema; no band under 30 filings.
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 €81,205
Fixed assets
€39,235 ▼ 11.3%
Current assets
€41,970 ▲ 74.3%
Equity and liabilities €81,205
Equity
€44,322 ▲ 15.4%
Debt
€36,883 ▲ 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
€14,549▲
2023 · €14,526
Cash flow
€10,915▼
2023 · €12,180
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
€36,883▲
2023 · €29,909
Income taxes
€2,219▲
2023 · €65
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,964 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €174 | €2,524 | €4,992 | €4,992 | = |
| Other operating charges640/8 | - | €27 | €256 | €84 | €74 | ▼ 12.5% |
| Gross operating margin9900 | €9,959 | €1,592 | €18,648 | €14,611 | €14,623 | ▲ 0.1% |
| Operating profit (loss)9901 | €9,680 | €1,391 | €15,869 | €9,535 | €9,557 | ▲ 0.2% |
| Financial income75/76B | - | - | €13 | - | - | - |
| Recurring financial income75 | €0 | - | €13 | - | - | - |
| Financial charges65/66B | - | €65 | €627 | €2,281 | €1,415 | ▼ 38.0% |
| Recurring financial charges65 | €51 | €65 | €627 | €2,281 | €1,415 | ▼ 38.0% |
| Profit (loss) for the period before taxes9903 | €9,628 | €1,327 | €15,255 | €7,254 | €8,142 | ▲ 12.3% |
| Income taxes67/77 | - | - | - | €65 | €2,219 | ▲ 3,307% |
| Profit (loss) for the period9904 | €9,628 | €1,327 | €15,255 | €7,188 | €5,924 | ▼ 17.6% |
| Profit (loss) for the period to be appropriated9905 | €9,628 | €1,327 | €15,255 | €7,188 | €5,924 | ▼ 17.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €16,790 | €33,161 | €61,270 | €68,308 | €81,205 | ▲ 18.9% |
| Fixed assets21/28 | - | €2,794 | €29,218 | €44,227 | €39,235 | ▼ 11.3% |
| Intangible fixed assets21 | - | - | €15,968 | €12,368 | €8,768 | ▼ 29.1% |
| Tangible fixed assets22/27 | - | €2,794 | €13,250 | €11,859 | €10,467 | ▼ 11.7% |
| Other tangible fixed assets26 | - | €2,794 | €13,250 | €11,859 | €10,467 | ▼ 11.7% |
| Financial fixed assets28 | - | - | - | €20,000 | €20,000 | = |
| Current assets29/58 | €16,790 | €30,367 | €32,051 | €24,082 | €41,970 | ▲ 74.3% |
| Amounts receivable within one year40/41 | €1,355 | €2,485 | €13,786 | €314 | €4,351 | ▲ 1,284% |
| Trade receivables40 | - | €1,977 | €7,749 | €117 | €0 | ▼ 100% |
| Other amounts receivable41 | - | €508 | €6,037 | €197 | €4,351 | ▲ 2,108% |
| Cash at bank and in hand54/58 | €14,780 | €27,669 | €17,749 | €23,531 | €37,426 | ▲ 59.0% |
| Deferred charges and accrued income490/1 | - | €213 | €516 | €236 | €193 | ▼ 18.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €16,790 | €33,161 | €61,270 | €68,308 | €81,205 | ▲ 18.9% |
| Equity10/15 | €14,628 | €15,955 | €31,210 | €38,399 | €44,322 | ▲ 15.4% |
| Contributions10/11 | - | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | €9,628 | €10,955 | €26,210 | €33,399 | €39,322 | ▲ 17.7% |
| Amounts payable17/49 | €2,162 | €17,206 | €30,059 | €29,909 | €36,883 | ▲ 23.3% |
| Amounts payable within one year42/48 | €2,162 | €17,206 | €30,059 | €29,909 | €36,883 | ▲ 23.3% |
| Trade debts44 | €1,877 | €16,476 | €27,848 | €12,388 | €17,362 | ▲ 40.2% |
| Suppliers440/4 | - | €16,476 | €27,848 | €12,388 | €17,362 | ▲ 40.2% |
| Advances received on contracts in progress46 | - | €678 | €2,162 | €1,246 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | €52 | - | €696 | €2,889 | ▲ 315% |
| Taxes450/3 | - | €52 | - | €696 | €2,889 | ▲ 315% |
| Other amounts payable47/48 | - | - | €50 | €15,579 | €16,632 | ▲ 6.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9,628 | €1,327 | €15,255 | €7,188 | €5,924 | ▼ 17.6% |
| + Depreciation and write-downs630 | - | €174 | €2,524 | €4,992 | €4,992 | = |
| Operating cash flow (approximation) | €9,628 | €1,501 | €17,779 | €12,180 | €10,915 | ▼ 10.4% |
| Investment in fixed assets (approximation) | - | - | -€28,948 | -€20,000 | €0 | ▲ 100% |
| Change in cash | - | €12,889 | -€9,921 | €5,783 | €13,895 | ▲ 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 €15,255 ▲1,050%
Operating result €15,869, net result €15,255, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €1,327 ▼86.2%
Net result drops to €1,327, 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 1,515. 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
E-invoicing
Reachable via Peppol
Peppol ID
0208:0729923317
Registered
20-11-2020
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.