SMART & CLEAN
ActiveSMART & CLEAN has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €50k and a net result of €1k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 81% of 5898 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
86
/ 100
Excellent▼ -4 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability12▼-46
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.49 against 5.25 in 2023), and 27.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
72.2%
Return on assets
1.7%
Age of the figures
20 mo
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 30-07-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
1 d early
2023
27 d late
2022
on the day
2021
31 d late
2020
2 d early
2019
8 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€50k▲ 0.7%
2023 · €50k
2018: €50k
2019: €50k
2020: €45k
2021: €47k
2022: €53k
2023: €50k
2018 → 2024
Total assets
€70k▲ 13.4%
2023 · €62k
2018: €57k
2019: €55k
2020: €48k
2021: €52k
2022: €58k
2023: €62k
2018 → 2024
Net result
€1k▼ 79.4%
2023 · €6k
2018: €5k
2019: €130
2020: €-5k
2021: €2k
2022: €6k
2023: €6k
2018 → 2024
Working capital
€48k▼ 1.0%
2023 · €49k
2018: €47k
2019: €49k
2020: €44k
2021: €46k
2022: €52k
2023: €49k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€45k-€47k▲ 4.4%€53k▲ 13.3%€50k▼ 6.1%€50k▲ 0.7%
Operating result€-5k-€3k€9k▲ 212%€9k▲ 1.9%€2k▼ 75.9%
Net result€-5k-€2k€6k▲ 212%€6k▼ 7.2%€1k▼ 79.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 76% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €70k
Fixed assets
€2k▲ 65.1%
Current assets
€68k▲ 12.4%
Equity and liabilities €70k
Equity
€50k▲ 0.7%
Debt
€19k▲ 69.2%
The debt ratio rises from 18.7% to 27.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€3k▼
2023 · €9k
Cash flow
€2k▼
2023 · €6k
Solvency
72.2%▼
2023 · 81.3%
Current ratio
3.49▼
2023 · 5.25
Quick ratio
3.49▼
2023 · 5.25
Debt / equity
0.39▲
2023 · 0.23
ROE
2.4%▼
2023 · 11.6%
ROA
1.7%▼
2023 · 9.4%
Interest coverage
4.37▼
2023 · 42.43
Debt
€19k▲
2023 · €11k
Debt ≤ 1 year
€19k▲
2023 · €11k
Income taxes
€567▼
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€62k€70k▲
Fixed assets21/28€1k€2k▲
Tangible fixed assets22/27€978€2k▲
Plant, machinery and equipment23€978€925▼
Furniture and vehicles24€0€878▲
Financial fixed assets28€290€290=
Current assets29/58€60k€68k▲
Amounts receivable within one year40/41€59k€63k▲
Trade receivables40€1k€5k▲
Other amounts receivable41€58k€57k▼
Cash at bank and in hand54/58€1k€4k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€62k€70k▲
Equity10/15€50k€50k▲
Contributions10/11€19k€19k=
Reserves13€13k€13k=
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€11k€13k▲
Profit (loss) carried forward14€18k€19k▲
Amounts payable17/49€11k€19k▲
Amounts payable within one year42/48€11k€19k▲
Trade debts44€891€2k▲
Suppliers440/4€891€2k▲
Taxes, remuneration and social security45€6k€3k▼
Taxes450/3€6k€3k▼
Other amounts payable47/48€4k€14k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€559€798▲
Other operating charges640/8€384€1k▲
Gross operating margin9900€10k€4k▼
Operating profit (loss)9901€9k€2k▼
Financial income75/76B€60€335▲
Recurring financial income75€60€335▲
Financial charges65/66B€217€660▲
Recurring financial charges65€217€660▲
Profit (loss) for the period before taxes9903€9k€2k▼
Income taxes67/77€3k€567▼
Profit (loss) for the period9904€6k€1k▼
Profit (loss) for the period to be appropriated9905€6k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€19k▼
Profit (loss) brought forward from the previous period14P€18k€18k=
Transfer from equity791/2€5k€0▼
Transfer to equity691/2€6k€0▼
To other reserves6921€6k€0▼
Profit to be distributed694/7€5k€859▼
Return on contributions (dividend)694€5k€859▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €6k ▲212%
Net result €6k, the highest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-5k ▼4003%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
2016
01-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2025
Mergaert Stephanie
CurrentDirector · since 01-09-2025
01-09-2025
Appointed as Director
Location & real-estate footprint
Registered office, Nieuwpoort · 1 establishment unit since 2002
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.
Dockaertstraat 578620 NieuwpoortGround area
178 m²
Building footprint
79 m²
Volume, LiDAR
468 m³
Parcel 38016A0043/00L002, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dockaertstraat 57, 8620 Nieuwpoort
since 20022.096.208.503
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38016A0043/00L002 | Flanders | 178 m² | 1 · 79 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
GROUP UNICCO
BE 0691.740.850
Gent · Eq €50k
Maximus Cleaning
BE 0646.898.839
Aalst · Eq €50k
GEC
BE 0804.876.504
Donceel · Eq €50k
Colbal Cleaning
BE 1018.080.029
Wommelgem · Eq €50k
ZARA COMPANY
BE 0778.549.219
Tournai · Eq €50k
Of 7,264 companies in sector 81210 we hold annual accounts for 2,687. 2,208 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-2002
Fiscal year end31-12
Activities, NACEBEL
74700
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.