SMART CONSULTING
ActiveSMART CONSULTING has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 66% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-8
Solvency93▲+3
Growth80▼-5
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 3.08 against 2.7 in 2024; short-term debt: 31.8% and cash: 93.6% of total assets), and 31.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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
68.2%
Return on assets
8.6%
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 €34k
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
25 d early
2023
16 d early
2022
17 d early
2021
13 d early
2020
27 d early
2019
27 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€52k▼ 7.6%
2024 · €56k
2018: €19k
2019: €27k
2020: €30k
2021: €30k
2022: €33k
2023: €79k
2024: €56k
2018 → 2025
EBIT margin
11.8%▼ 5.6pp
2024 · 17.4%
2018: -10.1%
2019: 1.9%
2020: 12.8%
2021: 18.2%
2022: 12.2%
2023: 36.4%
2024: 17.4%
2018 → 2025
Net result
€4k▲ 13.9%
2024 · €4k
2018: €-3k
2019: €-2k
2020: €3k
2021: €2k
2022: €3k
2023: €22k
2024: €4k
2018 → 2025
Working capital
€33k▲ 18.8%
2024 · €28k
2018: €-7k
2019: €-8k
2020: €-5k
2021: €355
2022: €3k
2023: €25k
2024: €28k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€30k-€33k▲ 11.6%€79k▲ 136%€56k▼ 28.6%€52k▼ 7.6%
Equity€2k-€5k▲ 156%€26k▲ 469%€30k▲ 14.5%€34k▲ 14.4%
Operating result€5k-€4k▼ 25.3%€29k▲ 607%€10k▼ 65.8%€6k▼ 37.4%
Net result€2k-€3k▲ 22.7%€22k▲ 669%€4k▼ 82.4%€4k▲ 13.9%
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 has fallen two years in a row; 2025 is 37% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50k
Fixed assets
€1k▼ 45.3%
Current assets
€49k▲ 10.8%
Equity and liabilities €50k
Equity
€34k▲ 14.4%
Debt
€16k▼ 2.8%
The debt ratio falls from 35.4% to 31.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€7k▼
2024 · €11k
Cash flow
€5k▲
2024 · €5k
Solvency
68.2%▲
2024 · 64.6%
Current ratio
3.08▲
2024 · 2.70
Quick ratio
3.08▲
2024 · 2.70
Debt / equity
0.47▼
2024 · 0.55
ROE
12.6%▼
2024 · 12.7%
ROA
8.6%▲
2024 · 8.2%
Interest coverage
12.55▼
2024 · 15.49
Debt
€16k▼
2024 · €16k
Debt ≤ 1 year
€16k▼
2024 · €16k
Income taxes
€1k▼
2024 · €5k
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€46k€50k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€885€444▼
Furniture and vehicles24€1k€665▼
Current assets29/58€44k€49k▲
Amounts receivable within one year40/41€36€2k▲
Trade receivables40€36€694▲
Other amounts receivable41-€1k
Cash at bank and in hand54/58€44k€47k▲
Equity and liabilities
Total equity and liabilities10/49€46k€50k▲
Equity10/15€30k€34k▲
Contributions10/11€12k€12k=
Profit (loss) carried forward14€17k€22k▲
Amounts payable17/49€16k€16k▼
Amounts payable within one year42/48€16k€16k▼
Trade debts44€367€451▲
Suppliers440/4€367€451▲
Taxes, remuneration and social security45€1k€2k▲
Taxes450/3€1k€2k▲
Other amounts payable47/48€15k€14k▼
Income statement
Code20242025
Turnover70€56k€52k▼
Goods, raw materials, services and sundry goods60/61€44k€44k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€917▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-322€26▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€12k€8k▼
Operating profit (loss)9901€10k€6k▼
Financial income75/76B€77€79▲
Recurring financial income75€77€79▲
Financial charges65/66B€727€563▼
Recurring financial charges65€727€563▼
Profit (loss) for the period before taxes9903€9k€6k▼
Income taxes67/77€5k€1k▼
Profit (loss) for the period9904€4k€4k▲
Profit (loss) for the period to be appropriated9905€4k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€22k▲
Profit (loss) brought forward from the previous period14P€14k€17k▲
The notes to these accounts (6 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €22k ▲669%
Operating result €29k, net result €22k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.33
Current ratio from 1.13 to 2.33; short-term debt falls from €21k to €19k.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
04-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Waasmunster · 1 establishment unit since 1996
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.
Henri de Lovinfossestraat 129250 WaasmunsterGround area
1,676 m²
Building footprint
243 m²
Volume, LiDAR
604 m³
2 parcels, Flanders · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Aartselaarstraat 30, 2660 Antwerpen
since 19962.076.389.918
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42342C0779/00D000 | Flanders | 1,487 m² | 1 · 144 m² | - |
| 11019B0247/00C004 | Flanders | 188 m² | 1 · 99 m² | 12.0 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,295 EUR awarded · 1,385 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 317 EUR | 317 EUR |
| 2024 | 1 | 312 EUR | 312 EUR |
| 2023 | 1 | 119 EUR | 209 EUR |
| 2022 | 1 | 547 EUR | 547 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 6,518 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-07-1995
Fiscal year end31-12
Activities, NACEBEL
74141
82990Other business support services
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 30 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.