Equity
-€22,616
Debts exceed assets in financial year 2025.
Smart Computers
Overview
Lifetime
2 annual accounts with figures on one time axispeak €8,441 (2024)
€2,465▼ 70.8%
lowest -€23,439 (2024)
-€185▲ €23,253
peak -€22,431 (2024)
-€22,616▼ €185
€30,665▼ 26.2%
Board2 names since 2023
2 directorsBV MGMT and 1 other
Documentsfilings and deeds
30-01-20261 day before the deadline
2025micro format
Gross margin from €8,441 to €2,465Loss of €185Debts from €41,559 to €30,665Cash from €213 to €425
Key points
from the 2025 annual accountsLosses
-€23,624 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Turnover
≈ €13,000 estimated
The micro format states no turnover.
Debts
€30,665 381% of the balance sheet
At the same address
14 companies
Position in the sector
-281.0%
Lower solvency than 95% of companies in computer programming and consultancy. Sector median 60.0% · 21,205 companies.
Checked score
53
Fair
Financially stronger than 18% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.7%
01-2025: 0.8%▲ +0.1 percentage points vs 12-2024
02-2025: 1.3%▲ +0.5 percentage points vs 01-2025
03-2025: 1.4%▲ +0.1 percentage points vs 02-2025
04-2025: 1.4%● unchanged vs 03-2025
05-2025: 1.4%● unchanged vs 04-2025
06-2025: 1.5%▲ +0.1 percentage points vs 05-2025
07-2025: 1.5%● unchanged vs 06-2025
08-2025: 1.5%● unchanged vs 07-2025
09-2025: 1.5%● unchanged vs 08-2025
10-2025: 1.5%● unchanged vs 09-2025highest value
11-2025: 1.5%● unchanged vs 10-2025
12-2025: 1.5%● unchanged vs 11-2025
01-2026: 1.5%● unchanged vs 12-2025
02-2026: 0.9%▼ -0.6 percentage points vs 01-2026
03-2026: 0.9%● unchanged vs 02-2026
04-2026: 0.9%● unchanged vs 03-2026
05-2026: 0.9%● unchanged vs 04-2026
06-2026: 0.9%● unchanged vs 05-2026
07-2026: 0.9%● unchanged vs 06-2026
08-2026: 0.9%● unchanged vs 07-2026
09-2026: 0.9%● unchanged vs 08-2026
10-2026: 0.4%▼ -0.5 percentage points vs 09-2026lowest value
11-2026: 0.4%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Founded in 2023
Negative equity -€22,616
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €8,049
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 3% of them on solvency, 3% on liquidity, 26% on profitability and 38% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,555 companies had the same profile as Smart Computers has now. Each dot stands for 4 companies, two years later.
91.6%
were still trading
3.6%
stopped another way
4.6%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Smart Computers itself is lower: 0.4% within 12 months. It rests on far more data about Smart Computers than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,555 companies, not a prediction for Smart Computers. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.04 (0.28 in 2024), below 1. Short-term debt is 381% and cash 5.3% of total assets. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year -€22,616
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
1 day early
2024
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 1 day before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end09-11-2026 today31-01-2027 deadline
Board and ownership
BM
BV MGMT
Director, VANWETSWINKEL Ben, since 28-09-2023
VP
Vermijl & Partners
Director, VERMIJL Jens, since 28-09-2023
- VERMIJL Jens 6,300 sharesdeed of 02-10-2023
- VANWETSWINKEL Ben 6,300 sharesdeed of 02-10-2023
Recent changes
Registered office moved to Genk
New registered office: André Dumontlaan 210 te 3600 Genk · General meeting of 29-07-2024 · Gazette deed
Incorporation
Founding capital of €1,008, 12,600 shares · Founders: VERMIJL Jens and VANWETSWINKEL Ben · Appointments: Vermijl & Partners (director) and BV MGMT (director) · published on 02-10-2023 · Gazette deed
First establishment
André Dumontlaan 210, Genk
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Smart Computers Genk | €8,049 | €2,465 | -281.0% | - |
| SMART FLUID Sombreffe | €8,438 | €2,668 | 61.9% | - |
| CYBERSTYLER Maasmechelen | €8,484 | €2,141 | 55.3% | - |
| KITSS Antwerp | €9,201 | €2,398 | -5.3% | - |
| Wikibuild Rixensart | €6,365 | €2,648 | 67.5% | - |
| Nyte Vision Stabroek | €10,975 | €2,257 | 40.5% | - |
| YouMbee Antwerp | €5,721 | €2,278 | -153.8% | - |
These companies have the same main activity as Smart Computers: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €5,720 and €11,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 28-09-2023Normal situation
- Registered office
- 15 active companies are registered at this addressSource: KBO register, as of 9 November 2026.
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 5 others
- Establishment unit
- 2.350.068.1913600 Genk, since 28-09-2023
- Financial year end
- 30 June
- Peppol
- Reachable
Annual accounts to 30-06-2025
- €2,465▼ 70.8%
- €185▼ 99.2%
- -€22,616▼ 0.8%
- €8,049▼ 57.9%
- Filing
- Filed on 30-01-2026, 1 day before the end of the filing period
Insights on Smart Computers
Smart Computers has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€22,616) and a net result of -€185.
Its solvency ranks better than 5% of 21,205 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 30-01-2026, 1 day before the deadline€2,465
▼ 70.8%
-€74
▲ €22,913
-€185
▲ €23,253
-€29,473
▲ €637
-281.0%
▼ 163.7 percentage points
0.04
▼ 0.24
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €13,000. Estimated: probably between €6,300 and €26,000.
Balance sheet
balance sheet total €8,049 on 30-06-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
-281.0%
Lower than 95% of 21,205 companies in 2025.
0.04
Lower than 95% of 20,568 companies in 2025.
-2.3%
Higher than 14% of 20,743 companies in 2025.
Smart Computers
Middle half of the sector
80% of the sector
Micro accounts in computer programming and consultancy (NACE 62)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter
Staff
Staff costs divided by the average number of full-time equivalents.
people who joined
people who left
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
8,049 | 19,128 | |
21/28 |
6,857 | 7,680 | |
22/27 |
6,857 | 7,680 | |
24 |
6,857 | 7,680 | |
29/58 |
1,192 | 11,448 | |
40/41 |
767 | 10,632 | |
40 |
- | 10,162 | |
41 |
767 | 470 | |
54/58 |
425 | 213 | |
490/1 |
- | 603 | |
| Balance sheet: equity and liabilities | |||
10/49 |
8,049 | 19,128 | |
10/15 |
-22,616 | -22,431 | |
10/11 |
1,008 | 1,008 | |
14 |
-23,624 | -23,439 | |
17/49 |
30,665 | 41,559 | |
42/48 |
30,665 | 41,559 | |
44 |
5,665 | 19,086 | |
440/4 |
5,665 | 19,086 | |
45 |
- | 7,473 | |
450/3 |
- | 3,406 | |
454/9 |
- | 4,067 | |
47/48 |
25,000 | 15,000 | |
| Income statement | |||
9900 |
2,465 | 8,441 | |
62 |
247 | 30,349 | |
630 |
822 | 544 | |
640/8 |
1,469 | 535 | |
9901 |
-74 | -22,987 | |
75/76B |
0 | 0 | |
75 |
0 | 0 | |
65/66B |
112 | 452 | |
65 |
112 | 452 | |
9903 |
-185 | -23,439 | |
9904 |
-185 | -23,439 | |
9905 |
-185 | -23,439 | |
| Appropriation of the result | |||
9906 |
-23,624 | -23,439 | |
14P |
-23,439 | - | |
| Social balance sheet | |||
9087 |
- | 1.5 | |
Hours worked1013 |
- | 603 | |
| Document | |||
The notes to these accounts have 4 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 30-01-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 749 | -22,443 | ||
| 637 | -22,895 | ||
| 0 | 8,224 | ||
| 212 | - | ||
| -29,473 | -30,110 | ||
| -281.0% | -117.3% | ||
| 0.04 | 0.28 | ||
| -2.3% | -122.5% | ||
| 6.69 | -49.64 |
Debt to equity is not shown because equity is negative. Debt divided by negative equity means nothing.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Social balance sheet
| Item | 30-06-2024 |
|---|---|
| Employees at the balance-sheet date | 2 |
| full-time | 1 |
| part-time | 1 |
| in full-time equivalents | 1.5 |
| 1.5 | |
| On a permanent contract | 2 |
| Joined | 2 |
| Left | 2 |
Source: social balance sheet in the 2024 annual accounts
Investments
fixed assets acquired| Item | 30-06-2025 | 30-06-2024 |
|---|---|---|
| Tangible fixed assets | - | €8,224 |
| €822 | €544 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on Smart Computers
The operating result for 2025 is a loss of €74, smaller than the loss of €22,987 in 2024.
Equity is negative. Debt (€30,665) exceeds the balance-sheet total (€8,049).
Board & ownership
Board
2 directors, since incorporationBV MGMT
Director, permanent representative VANWETSWINKEL Ben
since 28-09-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 30-01-2026
Vermijl & Partners
Director, permanent representative VERMIJL Jens
since 28-09-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 30-01-2026
Permanent representatives 2
Mandates through the years
2 names, the dashed line is todayBV MGMT
Director
Director
Vermijl & Partners
Director
Director
Board
Mandates as a list
- BV MGMT
- Director, from 28-09-2023 to date
- Vermijl & Partners
- Director, from 28-09-2023 to date
Control
Founders
VERMIJL Jens, VANWETSWINKEL Ben
This company
Smart Computers
Equity -€22,616
Loss €185 in 2025
Capital
- Contribution
- €1,008
- Shares
- 12,600
- Contribution per share
- €0.08
- Equity per share
- -€1.79 in 2025
- Source
- deed of 02-10-2023
Articles of association
deed of 02-10-2023 (in Dutch)- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Algemene vergadering bepaalt aantal, duur, bevoegdheid bij meerdere, natuurlijke personen of rechtspersonen, al dan niet aandeelhouder”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Friday of December at 15:00
Shareholders
At incorporation
deed of 02-10-2023 ↗
- VERMIJL Jens 6,300 shares (50%) · €504
- VANWETSWINKEL Ben 6,300 shares (50%) · €504
Network & group
No group
Smart Computers has no parent and no holdings in its annual accounts. Smart Computers shares no director with another company.
At the same address
André Dumontlaan 210, 3600 Genk · 14 other companies| CRIJSTE
registered office since 16-11-2011 · founded in 2011 |
total assets €1.2m (2022) 0840.121.849 |
| Edro
registered office since 15-01-2024 · founded in 2024 · negative equity (2025) |
total assets €1.1m (2025) 1004.674.827 |
| DE BAZAR
registered office since 16-12-2008 · founded in 2008 |
total assets €825,067 (2025) 0808.468.769 |
| URO CORP
registered office since 30-01-1985 · founded in 1985 |
total assets €729,201 (2023) 0426.950.052 |
| BC-MATIC
registered office since 29-07-2011 · founded in 2011 |
1 FTE (2025) 0838.191.747 |
| ADVOCAVA
registered office since 10-09-2010 · founded in 2010 |
total assets €456,484 (2025) 0829.209.052 |
| WIMMOBILIARE
registered office since 15-10-2003 · founded in 2003 |
total assets €427,688 (2025) 0861.110.768 |
| GROUP WS
registered office since 05-05-2008 · founded in 2008 · accounts filed late |
total assets €320,992 (2024) 0896.336.616 |
| TELECON
registered office since 13-08-2019 · founded in 2019 |
2 FTE (2025) 0732.579.434 |
| SOLVENGO
registered office since 03-09-2014 · founded in 2014 |
total assets €97,518 (2025) 0560.944.268 |
Timeline
Timeline
5 events since 2023Filings
Establishments
Address
2023202420252026
Deadline for the 2026 accounts: 31-01-2027
2026
Annual accounts 2025 filed PDFmicro format · 1 day before the deadline
2025
Annual accounts 2024 filed PDFmicro format · on the deadline day
2024
Registered office moved to GenkNew registered office: André Dumontlaan 210 te 3600 Genk · General meeting of 29-07-20242 points ▸
- General meeting, 29-07-2024
- Registered-office move, André Dumontlaan 210 te 3600 Genk
2023
IncorporationFounding capital of €1,008, 12,600 shares · Founders: VERMIJL Jens and VANWETSWINKEL Ben · Appointments: Vermijl & Partners (director) and BV MGMT (director) · published on 02-10-20239 points ▸
- Board rule, 2
- Director appointment, Vermijl & Partners
- Director appointment, BV MGMT
- Permanent representative, VERMIJL Jens
- Permanent representative, VANWETSWINKEL Ben
- Founder, VERMIJL Jens
- Founder, VANWETSWINKEL Ben
- Registered office clause, Hasseltsestraat 39, 3740 Bilzen
- Founding capital, €1,008, 12,600 shares
- The deed holds 4 more points.
First establishment André Dumontlaan 210, Genk
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 1000.437.313
- VAT number
- BE 1000.437.313
- Peppol ID
- 0208:1000437313
- Other Peppol ID
- 9925:BE1000437313
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 28-09-2023
- Financial year
- ends on 30 June
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Friday of December at 15:00deed of 02-10-2023 (in Dutch)
- Peppol
- Reachable via PeppolFollow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Smart Computers in Dutch
- Entity type
- Legal entity
Activities
NACEBEL 202562200
Computer consultancy and computer facilities management main activity
62100
Computer programming
Codes under NACEBEL 2008
62020
IT consultancy main activity
62010
Computer programming, consultancy and related activities
70210
Activities of head offices; management consultancy activities
80200
Investigation and security activities
82990
Other business support services
95110
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| André Dumontlaan 210 registered office 3600 Genk | 28-09-2023 | 2.350.068.191 |
Buildings and parcels at the address
- Ground area
- 743 m²
- Buildings
- 529 m²
- Volume, LiDAR
- 4,557 m³
- Tallest building
- 10.9 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 71303B0343/00R000 | 743 m² | 1 · 529 m² | 10.9 m · 3 |