SMART CONSULT
ActiveSMART CONSULT has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €15k. Equity is shrinking by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 43% of 17007 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability51▲+7
Solvency77▲+5
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 4.85 against 3.68 in 2024; short-term debt: 17.7% and cash: 50.4% of total assets), and 48.3% 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.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
51.7%
Return on assets
12.5%
Age of the figures
9 mo
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 €60k
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 d early
2024
114 d early
2023
40 d early
2022
22 d late
2021
5 d late
2020
37 d early
2019
127 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€60k▲ 17.1%
2024 · €51k
2018: €91k
2019: €111k
2020: €116k
2021: €108k
2022: €84k
2023: €43k
2024: €51k
2018 → 2025
Total assets
€117k▲ 7.0%
2024 · €109k
2018: €141k
2019: €134k
2020: €149k
2021: €138k
2022: €114k
2023: €125k
2024: €109k
2018 → 2025
Net result
€15k▲ 52.0%
2024 · €10k
2018: €45k
2019: €41k
2020: €6k
2021: €-9k
2022: €-13k
2023: €4k
2024: €10k
2018 → 2025
Working capital
€79k▲ 29.1%
2024 · €62k
2018: €90k
2019: €110k
2020: €87k
2021: €84k
2022: €57k
2023: €43k
2024: €62k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€108k-€84k▼ 22.3%€43k▼ 49.0%€51k▲ 20.4%€60k▲ 17.1%
Operating result€24k-€6k▼ 73.7%€30k▲ 379%€55k▲ 81.8%€60k▲ 9.0%
Net result€-9k-€-13k▼ 51.0%€4k€10k▲ 168%€15k▲ 52.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 9% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117k
Fixed assets
€16k▼ 32.8%
Current assets
€100k▲ 18.5%
Equity and liabilities €117k
Equity
€60k▲ 17.1%
Provisions
€36k▲ 3.2%
Debt
€21k▼ 10.1%
The debt ratio falls from 21.1% to 17.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€70k▲
2024 · €64k
Cash flow
€24k▲
2024 · €19k
Solvency
51.7%▲
2024 · 47.3%
Current ratio
4.85▲
2024 · 3.68
Quick ratio
4.85▲
2024 · 3.68
Debt / equity
0.34▼
2024 · 0.45
ROE
24.2%▲
2024 · 18.6%
ROA
12.5%▲
2024 · 8.8%
Interest coverage
1.95▲
2024 · 1.68
Debt
€21k▼
2024 · €23k
Debt ≤ 1 year
€21k▼
2024 · €23k
Income taxes
€10k▲
2024 · €8k
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€109k€117k▲
Fixed assets21/28€24k€16k▼
Tangible fixed assets22/27€24k€16k▼
Furniture and vehicles24€24k€16k▼
Other tangible fixed assets26€600€600=
Current assets29/58€85k€100k▲
Amounts receivable within one year40/41€40k€39k▼
Trade receivables40€36k€37k▲
Other amounts receivable41€4k€2k▼
Cash at bank and in hand54/58€44k€59k▲
Deferred charges and accrued income490/1€664€2k▲
Equity and liabilities
Total equity and liabilities10/49€109k€117k▲
Equity10/15€51k€60k▲
Contributions10/11€7k€7k=
Reserves13€21k€30k▲
Distributable reserves133€21k€30k▲
Profit (loss) carried forward14€24k€24k=
Provisions and deferred taxes16€35k€36k▲
Provisions for liabilities and charges160/5€35k€36k▲
Other liabilities and charges164/5€35k€36k▲
Amounts payable17/49€23k€21k▼
Amounts payable within one year42/48€23k€21k▼
Financial debts43€821-
Credit institutions430/8€821-
Trade debts44€319€806▲
Suppliers440/4€319€806▲
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€3k€3k▲
Other amounts payable47/48€19k€17k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€843€1k▲
Other operating charges640/8€401€4k▲
Gross operating margin9900€65k€75k▲
Operating profit (loss)9901€55k€60k▲
Financial income75/76B-€50
Recurring financial income75-€50
Financial charges65/66B€38k€36k▼
Recurring financial charges65€38k€36k▼
Profit (loss) for the period before taxes9903€17k€25k▲
Income taxes67/77€8k€10k▲
Profit (loss) for the period9904€10k€15k▲
Profit (loss) for the period to be appropriated9905€10k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€38k▲
Profit (loss) brought forward from the previous period14P€24k€24k▼
Transfer from equity791/2-€6k
Transfer to equity691/2€10k€15k▲
To other reserves6921€10k€15k▲
Profit to be distributed694/7€859€6k▲
Return on contributions (dividend)694€859€6k▲
The notes to these accounts (5 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 5.75
Current ratio from 2.81 to 5.75; short-term debt falls from €50k to €23k.
31-12
Financial
Equity above €100kEq €111k ▲21.7%
2 profitable years in a row build equity to €111k.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Elsene · 1 establishment unit since 2008
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.
Visvijverstraat 161050 ElseneGround area
244 m²
Building footprint
99 m²
Volume, LiDAR
1,119 m³
Parcel 21443C0003/00T000, Brussels · tallest building 15.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Arcanis Capital
since 20082.172.690.528
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21443C0003/00T000 | Brussels | 244 m² | 1 · 99 m² | 15.8 m · 4 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900A5VI8OMEZNTG23
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 15,462 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-05-2008
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62030Computer programming, consultancy and related activities
62100Computer programming
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0477/565298