SMART CHOICE DRINKS
ActiveThe computed 12-month bankruptcy probability of SMART CHOICE DRINKS is 4.2% (elevated). The 2025 annual accounts show equity of €801 and a net result of €11k. Equity is shrinking by ~31.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 24% of 18237 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency27▲+27
Growth72▲+40
Track record100
Bankruptcy probability, 12 months
4.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.73; short-term debt: 97.8% and cash: 24.7% of total assets), and 97.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 18237 sector peers (2025).
NBB · sector comparisonPosition among 18237 sector peers
Solvency
better than 24%
← weakest
strongest →
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 01-07-2026, 30 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
30 d early
2024
11 d late
2023
31 d late
2022
32 d late
2021
108 d late
2020
115 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€476k▲ 57,913%
2020 · €820
2020: €820
2020 → 2025
EBIT margin
3.3%▲ 293.1pp
2020 · -289.8%
2020: -289.8%
2020 → 2025
Net result
€11k
2024 · €-19k
2020: €-2k
2021: €-5k
2022: €-3k
2023: €-3k
2024: €-19k
2020 → 2025
Working capital
€-9k▼ 57.4%
2024 · €-6k
2020: €-4k
2021: €-137
2022: €-3k
2023: €8k
2024: €-6k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€476k
Equity€12k-€9k▼ 27.4%€8k▼ 6.8%€-2k€801
Operating result€-5k-€-3k▲ 29.6%€-3k▼ 7.0%€-19k▼ 440%€16k
Net result€-5k-€-3k▲ 28.7%€-3k▼ 7.1%€-19k▼ 436%€11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €16k after a loss of €19k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36k
Fixed assets
€10k▲ 173%
Current assets
€26k▲ 2,014%
Equity and liabilities €36k
Equity
€801
Debt
€35k
Debt finances 97.8% of the balance-sheet total.
Key figures and ratios
Solvency
2.2%
Current ratio
0.73
Quick ratio
0.32
ROA
31.7%
Debt
€35k▲
2024 · €7k
Debt ≤ 1 year
€35k▲
2024 · €7k
Equity ratios withheld: equity of €801 is too small for a meaningful ratio.
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€5k€36k▲
Fixed assets21/28€4k€10k▲
Financial fixed assets28€4k€10k▲
Current assets29/58€1k€26k▲
Stocks and contracts in progress3€1k€15k▲
Stocks30/36€1k€15k▲
Amounts receivable within one year40/41€57€2k▲
Trade receivables40-€2k
Other amounts receivable41€57-
Cash at bank and in hand54/58€65€9k▲
Equity and liabilities
Total equity and liabilities10/49€5k€36k▲
Equity10/15€-2k€801▲
Contributions10/11€30k€22k▼
Profit (loss) carried forward14€-32k€-21k▲
Amounts payable17/49€7k€35k▲
Amounts payable within one year42/48€7k€35k▲
Trade debts44€1k€4k▲
Suppliers440/4€1k€4k▲
Taxes, remuneration and social security45€6k€8k▲
Taxes450/3€1k€6k▲
Remuneration and social security454/9€5k€2k▼
Other amounts payable47/48-€23k
Income statement
Code20242025
Turnover70-€476k
Goods, raw materials, services and sundry goods60/61€9k€466k▲
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A€8k-
Gross operating margin9900€-9k€17k▲
Operating profit (loss)9901€-19k€16k▲
Financial charges65/66B€126€4k▲
Recurring financial charges65€126€4k▲
Profit (loss) for the period before taxes9903€-19k€11k▲
Profit (loss) for the period9904€-19k€11k▲
Profit (loss) for the period to be appropriated9905€-19k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-32k€-21k▲
Profit (loss) brought forward from the previous period14P€-14k€-32k▼
The notes to these accounts (3 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €11k
Net result €11k after 5 loss-making years.
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
16-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 108 days late
2021
23-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 115 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Anderlecht · 2 establishment units since 2024
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.
Eloystraat 841070 AnderlechtGround area
333 m²
Building footprint
265 m²
Volume, LiDAR
4,197 m³
2 parcels, Brussels · tallest building 21.0 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
SMART CHOICE DRINKS
since 20242.390.275.087
SMART CHOICE DRINKS
since 20242.366.873.046
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21305C0267/00C010 | Brussels | 218 m² | 1 · 170 m² | 20.7 m · 5 fl. |
| 21305C0267/00M003 | Brussels | 116 m² | 1 · 95 m² | 21.0 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesAnderlecht2.366.873.046
Anderlecht2.390.275.087
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 649 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2020
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:smartchoicebel@gmail.com