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Complete company report
Generated 29-07-2026
Active BE 0784.926.077Private limited company

SMART CERTIFIED

Robert Schumanplein 2-4 ·1040 Brussel, Belgium· 4 yrs active
Sector: Computer programming & consultancy (62100)
Conclusion Checked

The computed 12-month bankruptcy probability of SMART CERTIFIED is 0.9% (low). The 2024 annual accounts show equity of €70k and a net result of €51k. Equity is growing by ~70.7% per year across the filed fiscal years. Its solvency ranks better than 36% of 7324 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €70k
Net result €51k
Better than sector 36%
Active 4 yrs
Snowflake analysis 5 axes · computed by Checked
Health100Profitability100Solvency96Growth78Stability94
94 / 100

Exceptional profile, strong across almost every axis.

Health 100
Profitability 100
Solvency 96
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
0.9% Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
100 / 100 Excellent
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview3 NBB filings
Annual accounts filed on 17-06-2025 with the NBB · fiscal year 2024 · micro
€-20k€0€20k€40k€60kOperating result 2022: €30k€30kNet result 2022: €23k€23kOperating result 2023: €-10k€-10kNet result 2023: €-10k€-10kOperating result 2024: €63k€63kNet result 2024: €51k€51k202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~70.7%/year over 3 fiscal years, indicative, assuming unchanged policy.
€0€50k€100k€150k2025: €90k (€84k - €95k)2026: €110k (€105k - €116k)2027: €131k (€125k - €136k)2022: €29k2023: €19k2024: €70k202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 52.9% 65.1%
better than 36% of 7324 sector peers
Net result €51k €32k
better than 70% of 7321 sector peers
Equity €70k €58k
better than 57% of 7326 sector peers
Gross operating margin €73k €52k
better than 67% of 7315 sector peers
Total assets €132k €103k
better than 62% of 7327 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€70k
- far above sector median
Net profit
€51k
- far above sector median
Cash flow
€57k
- far above sector median
Total assets
€132k
+357.4% +145% vs sector
Equity
€70k
+271.1% far above sector median
Working capital
€45k
+192.6% +204% vs sector
Income taxes
€12k
+67.6% far above sector median
Debt
€62k
+518.6% +228% vs sector
Debt ≤ 1y
€41k
+328.3% +116% vs sector
Debt > 1y
€21k
+324.4% 22-24
Current ratio
2.10
-19.6% -26% vs sector
Quick ratio
2.10
-19.6% -26% vs sector
Solvency
52.9%
-18.9% -7% vs sector
Debt / equity
0.89
+66.7% -17% vs sector
ROE
73.1%
- far above sector median
ROA
38.6%
- far above sector median
Interest coverage
68.71
- far above sector median
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€70k
Net profit€51k
Cash flow€57k
Staff costs-
Income taxes€12k
Dividends-
Total assets€132k
Equity€70k
Debt€62k
of which ≤ 1y€41k
of which > 1y€21k
Working capital€45k
Employees (FTE)-
Ratios (computed)
2024
Current ratio2.10
Quick ratio2.10
Working capital ratio34.2%
Solvency52.9%
Debt / equity0.89
Long-term debt ratio0.31
Interest coverage68.71
Gross margin-
Net margin-
ROA38.6%
ROE73.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€132k
Fixed assets 21/28€46k
Tangible fixed assets 22/27€46k
Current assets 29/58€86k
Amounts receivable within one year 40/41€21k
Cash & bank 54/58€62k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€132k
Equity 10/15€70k
Contributions / capital 10/11€6k
Accumulated profits (losses) 14€64k
Amounts payable 17/49€62k
Amounts payable after one year 17€21k
Amounts payable within one year 42/48€41k
Trade debts payable within one year 44€4k
Income statement
Gross operating margin 9900€73k
Operating result 9901€63k
Financial income 75€0
Financial charges 65€1k
Result before taxes 9903€62k
Income taxes 67/77€12k
Net result for the period 9904€51k
Result to be appropriated 9905€51k
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Computer programming & consultancy(62100)
Legal form Private limited company(610)
Incorporation19-04-2022
StatusActive
Postal code1040
Establishment units 1 location
SMART CERTIFIED
Robert Schumanplein 2-4, 1040 BrusselKleinhandel in computers en standaardprogrammatuur
since 20222.337.391.875
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21806F0477/00N017 Brussels 685 m² 1 · 663 m² 34.5 m · 9 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 6 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
17-06-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
14-05-2025
State Gazette act Director changes
2024
14-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
28-09-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
22-03-2023
State Gazette act Director changes
2022
05-08-2022
State Gazette act Director changes
Belgisch Staatsblad, acts 3 acts
All acts · 3 updated 1 year ago
2025
14-05-2025 1 director appointed, 1 resigning Director changes
  • Luc Thumilaire, Bestuurder
  • Julien Thumilaire, Bestuurder
Technical details 
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      "effective_date": "2024-06-30",
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale extraordinaire prend connaissance de la demande de d\u00E9mission de Monsieur Julien Thumilaire en tant qu\u0027administrateur et ce, \u00E0 partir du 30 juin 2024.",
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      "effective_date": "2024-07-01",
      "evidence_quote": "La nomination de Monsieur Luc Thumilaire, en tant qu\u0027administrateur, est approuv\u00E9e.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_date",
        "value": "2024-07-01"
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      "rep_rotation_new_rep": null,
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      "effective_date_qualifier": "immediate"
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      "evidence_quote": "",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Bruxelles",
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2025-05-14",
    "filing_date": null,
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "assembl\u00E9e extraordinaire",
      "date": "2024-08-26",
      "unanimous": null
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  ],
  "is_correction": false,
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  "publication_proxy": {
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    "org_kbo": null,
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    "person_name": "Katty Rotsaert",
    "org_rep_person_name": null,
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  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2023
22-03-2023 2 directors appointed, 1 resigning Director changes
  • Katty Rotsaert, Bestuurder
  • Julien Thumilaire, Bestuurder
  • Luc Thumilaire, Bestuurder
Technical details 
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      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2022-11-30",
      "evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale extraordinaire prend connaissance de la demande de d\u00E9mission de Monsieur Luc Thumilaire en tant qu\u0027administrateur et ce, \u00E0 partir du 30 novembre 2022.",
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    },
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
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      "reason": null,
      "subkind": null,
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      "statutory": null,
      "compensated": null,
      "effective_date": "2022-12-01",
      "evidence_quote": "La nomination de Madame Katty Rotsaert, en tant qu\u0027administrateur, est approuv\u00E9e.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_date",
        "value": "2022-12-01"
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      "rep_rotation_new_rep": null,
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    {
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      },
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      "compensated": null,
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      "evidence_quote": "Julien Thumilaire Administrateur",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Bruxelles",
    "is_associated": false
  },
  "act_meta": {
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    "pub_date": null,
    "filing_date": "2023-03-09",
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  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2022-11-25",
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  ],
  "is_correction": false,
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}
2022
05-08-2022 Julien Thumilaire appointed as director Director changes
  • Julien Thumilaire, Bestuurder
Technical details 
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    {
      "kind": "director_in",
      "role": "bestuurder",
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      "evidence_quote": "Monsieur Julien Thumilaire accepte son mandant en tant qu\u0027administrateur et ce \u00E0 partir du 1er mai 2022.",
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  },
  "act_meta": {
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}
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Ontwerpen en programmeren van computerprogramma's62010Ontwerpen van computerprogramma’s62100Computerconsultancy-activiteiten62020Beheer van computerfaciliteiten62030Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameFR SMART CERTIFIED
Registered office
Robert Schumanplein 2-4
1040 Brussel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative