SMART DESIGN
ActiveSMART DESIGN has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-120k) and a net result of €-9k. Equity is shrinking by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 5% of 16922 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
0
/ 100
Critical▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36=
Solvency33=
Growth58=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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 →
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 2025Age of the figures
Age of the figures
8 mo
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 · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€120k
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
27 d late
2023
19 d late
2022
25 d early
2021
19 d early
2020
30 d late
2019
70 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-120k▼ 7.7%
2024 · €-111k
2018: €-18k
2019: €-39k
2020: €-56k
2021: €-72k
2022: €-88k
2023: €-103k
2024: €-111k
2018 → 2025
Total assets
€1k▼ 82.3%
2024 · €8k
2018: €28k
2019: €17k
2020: €12k
2021: €15k
2022: €14k
2023: €15k
2024: €8k
2018 → 2025
Net result
€-9k▼ 8.9%
2024 · €-8k
2018: €-25k
2019: €-21k
2020: €-17k
2021: €-16k
2022: €-16k
2023: €-16k
2024: €-8k
2018 → 2025
Working capital
€-120k▼ 7.1%
2024 · €-112k
2018: €-30k
2019: €-45k
2020: €-57k
2021: €-73k
2022: €-89k
2023: €-105k
2024: €-112k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-72k-€-88k▼ 22.0%€-103k▼ 17.9%€-111k▼ 7.7%€-120k▼ 7.7%
Operating result€-15k-€-15k▲ 1.1%€-15k▲ 0.4%€-7k▲ 51.1%€-8k▼ 9.2%
Net result€-16k-€-16k▲ 0.4%€-16k▲ 0.5%€-8k▲ 49.6%€-9k▼ 8.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8k in 2025 against €7k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1k
Fixed assets
€344▼ 64.1%
Current assets
€1k▼ 84.8%
Key figures and ratios
EBITDA
€-7k▼
2024 · €-7k
Cash flow
€-8k▼
2024 · €-7k
Interest coverage
-22.69▼
2024 · -21.23
Debt
€121k▲
2024 · €119k
Debt ≤ 1 year
€121k▲
2024 · €119k
Income taxes
€183▲
2024 · €176
Ratios withheld: a balance sheet total of €1k is too small for a meaningful ratio.
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€8k€1k▼
Fixed assets21/28€958€344▼
Tangible fixed assets22/27€838€224▼
Furniture and vehicles24€838€224▼
Financial fixed assets28€120€120=
Current assets29/58€7k€1k▼
Cash at bank and in hand54/58€7k€564▼
Deferred charges and accrued income490/1€383€509▲
Equity and liabilities
Total equity and liabilities10/49€8k€1k▼
Equity10/15€-111k€-120k▼
Contributions10/11€13k€13k=
Reserves13€17k€17k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€15k€15k=
Profit (loss) carried forward14€-141k€-150k▼
Amounts payable17/49€119k€121k▲
Amounts payable within one year42/48€119k€121k▲
Trade debts44€176€1k▲
Suppliers440/4€176€1k▲
Taxes, remuneration and social security45€176€360▲
Taxes450/3€176€360▲
Other amounts payable47/48€119k€120k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€688€614▼
Other operating charges640/8€2k€400▼
Gross operating margin9900€-5k€-7k▼
Operating profit (loss)9901€-7k€-8k▼
Financial charges65/66B€317€330▲
Recurring financial charges65€317€330▲
Profit (loss) for the period before taxes9903€-8k€-8k▼
Income taxes67/77€176€183▲
Profit (loss) for the period9904€-8k€-9k▼
Profit (loss) for the period to be appropriated9905€-8k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-141k€-150k▼
Profit (loss) brought forward from the previous period14P€-133k€-141k▼
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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
NBB filing
Directors · office · real estate
Directors
1 director, no change since 2026
DAGNELIE Bruno
CurrentDirector · since 23-04-2026
23-04-2026
Appointed as Director
Location & real-estate footprint
Registered office, Chaumont-Gistoux · 1 establishment unit since 1998
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.
Rue Florémond 671325 Chaumont-GistouxGround area
5,853 m²
Building footprint
359 m²
Volume, LiDAR
1,927 m³
2 parcels, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SMART DESIGN SPRL
since 19982.084.921.463
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076G0027/00N000 | Wallonia | 3,231 m² | 1 · 204 m² | 7.3 m · 2 fl. |
| 25018D0311/02B000 | Wallonia | 2,623 m² | 1 · 156 m² | 7.5 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.
Similar companies · same sector and region
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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 16,811 companies in sector 62100 we hold annual accounts for 8,750.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-1997
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62900Other information technology and computer services
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.