Equity
€60,310 from €116,491 in 2020
Equity fell by 48% in 5 years.
SMART CONSULT
Lifetime
18 annual accounts with figures on one time axisGross marginpeak €74,809 (2025)
€74,809▲ 14.3%
Resultlowest -€13,078 (2022)
€14,591▲ 52.0%
Equitypeak €116,491 (2020)
€60,310▲ 17.1%
Debts
€20,627▼ 10.1%
Board1 name since 2021
1 directorGILBERT Christophe
Documentsfilings and deeds
29-05-202663 days before the deadline
2025micro format
Gross margin from €65,473 to €74,809Result from €9,598 to €14,591Dividend €5,777Equity from €51,496 to €60,310Cash from €43,615 to €58,750
Key points
from the 2025 annual accountsChecked score
94
Excellent
Financially stronger than 53% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,917 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025highest value
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 4.85, cash €58,750
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €116,566
Equity €60,310 (51.7% of total assets)
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 45% of them on solvency, 85% on liquidity, 21% on profitability and 63% on growth.
The bankruptcy probability was computed on 04-11-2026 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 31-12-2025.
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, 34,693 companies had the same profile as SMART CONSULT has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of SMART CONSULT itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 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 34,693 companies, not a prediction for SMART CONSULT. 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
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.85 (3.68 in 2024), above the usual 1.5. Short-term debt is 17.7% and cash 50.4% of total assets. 48.3% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
6 signals, none raises the risk
Six signals.
lowers riskneutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €60,310
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 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
63 days early
2024
114 days early
2023
40 days early
2022
22 days late
2021
5 days late
2020
37 days early
2019
127 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 51 days 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 next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 22 June (4 of the last 5 accounts filed within 61 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0897758655
Change of role: GILBERT Christophe, from manager to director
“À toutes activités de conseils, d’études et de services en matière d’analyse de besoins, de définitions de…” (deed in French) · Director discharge: GILBERT Christophe · General meeting of 18-09-2023 · Gazette deed
First establishment
Arcanis Capital, Visvijverstraat 16, Ixelles
Incorporation
published on 16-05-2008 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| SMART CONSULT Ixelles | €116,566 | €74,809 | 51.7% | - |
| SOBETI Corp Woluwe-Saint-Pierre | €117,714 | €66,848 | 79.1% | - |
| AROBANET Jette | €113,178 | €74,416 | 78.7% | - |
| LINEA CONSULTING Pont-à-Celles | €117,710 | €72,606 | 52.8% | - |
| @TOMIC SOFTWARE Antwerp | €124,107 | €70,738 | 92.3% | - |
| LINE20 Lier | €113,483 | €81,149 | 64.8% | - |
| BELEAD Genappe | €122,419 | €81,762 | 59.6% | - |
These companies have the same main activity as SMART CONSULT: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €113,000 and €124,000, founded between 2004 and 2010.
Official details
Source: KBO- Status
- Active since 07-05-2008Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 2 others
- Establishment unit
- 2.172.690.5281050 Ixelles, since 02-06-2008
- Financial year end
- 31 December
- Peppol
- Reachable since 24-11-2023
Annual accounts 2025
- Total assets
- €116,566▲ 7.0%
- Filing
- Filed on 29-05-2026, 63 days before the end of the filing period
Insights on SMART CONSULT
SMART CONSULT files the micro format. That format states no turnover. The gross margin rose from €30,544 in 2008 to €74,809 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SMART CONSULT
- What is the company number of SMART CONSULT?
- The company number of SMART CONSULT is 0897.758.655. The VAT number is the same number with BE in front: BE 0897.758.655.
- Where is SMART CONSULT based?
- The registered office is at Visvijverstraat 16, 1050 Ixelles.Company details
- What does SMART CONSULT do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of SMART CONSULT?
- SMART CONSULT is a private limited company (BV).
- When was SMART CONSULT founded?
- SMART CONSULT was founded on 07-05-2008.
- Is SMART CONSULT still active?
- Yes, SMART CONSULT is an active enterprise in the KBO register.
- What is the turnover of SMART CONSULT?
- The turnover in financial year 2025 is ≈ €140,000. This figure is estimated from the gross margin of €74,809 and 59 comparable companies (NACE 62200). It probably lies between €130,000 and €190,000.Financials
- Is SMART CONSULT profitable?
- In financial year 2025, SMART CONSULT made a profit of €14,591.
- Where can I find the annual accounts of SMART CONSULT?
- SMART CONSULT filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SMART CONSULT due?
- SMART CONSULT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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