Equity
€42,919 ▲ 20.6%
SMART & DIGITAL has made a profit in every financial year since 2023.
SMART & DIGITAL
Lifetime
3 annual accounts with figures on one time axispeak €31,303 (2023)
€13,463▲ 7.7%
peak €24,458 (2023)
€7,333▼ 19.7%
peak €42,919 (2025)
€42,919▲ 20.6%
€14,097▲ 53.3%
Board1 name since 2023
1 directorSTRÜBIN Michael Frank
Documentsfilings and deeds
03-07-202628 days before the deadline
2025micro format
Equity from €35,586 to €42,919Debts from €9,193 to €14,097Cash from €29,228 to €54,677
Key points
from the 2025 annual accountsChecked score
97
Excellent
Financially stronger than 75% of micro companies in advertising and market research (NACE 73)
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: 0.2% across 11,230 companies (NACE 73, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.1%▼ -0.1 percentage points vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.2%▲ +0.1 percentage points vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025highest value
08-2025: 0.1%▼ -0.1 percentage points 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 06-2026
08-2026: 0.1%● unchanged vs 07-2026lowest value
09-2026: 0.1%● unchanged vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2023
lowers risk
Liquidity: current ratio 3.95, cash €54,677
Sector: Advertising, market research and public relations activities (NACE 73)
Equity €42,919 (75.3% 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 73, micro). It does better than 87% of them on solvency, 84% on liquidity, 61% on profitability and 70% on growth.
The bankruptcy probability was computed on 09-11-2026 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, 39,278 companies had the same profile as SMART & DIGITAL has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SMART & DIGITAL itself is lower: 0.1% within 12 months. It rests on far more data about SMART & DIGITAL 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 39,278 companies, not a prediction for SMART & DIGITAL. 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 €4,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.95 (4.74 in 2024), above the usual 1.5. Short-term debt is 24.7% and cash 95.9% of total assets. 24.7% 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
Five signals.
lowers riskraises riskneutral
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 03-07-2026, 28 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
28 days early
2024
15 days early
2023
28 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 5 days before the deadline. In the sector (NACE 73), the median for financial year 2024 was 6 days before the deadline, and 36% 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 16 July (3 of the last 3 accounts filed within 44 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0803720323
Incorporation
Founding capital of €2,000, 100 shares · Founder: STRÜBIN Michael Frank · Appointment: STRÜBIN Michael Frank (director) · published on 11-07-2023 · Gazette deed
First establishment
Boondaalse Steenweg 87, Ixelles
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SMART & DIGITAL Ixelles | €57,016 | €13,463 | 75.3% | - |
| STREAMLINE Forest | €49,641 | €15,848 | 75.8% | - |
| Mireille Schmetz Plombières | €60,014 | €13,204 | 84.4% | - |
| Noosa Projects Oud-Heverlee | €68,529 | €13,217 | 74.8% | - |
| InsightIQ Erpe-Mere | €65,512 | €14,520 | 61.1% | 0 |
| SC Luxury Hospitality Scherpenheuvel-Zichem | €57,657 | €17,011 | 77.5% | - |
| Azar Antwerp | €54,489 | €11,375 | 53.5% | - |
These companies have the same main activity as SMART & DIGITAL: public relations and communication consultancy (NACE 73300). They are comparable in size and age: total assets between €49,600 and €68,500, founded in 2023.
Official details
Source: KBO- Status
- Active since 07-07-2023Normal situation
- Activity
- Public relations and communication consultancyNACE 73300and 2 others
- Establishment unit
- 2.350.027.1161050 Ixelles, since 07-07-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 18-12-2025
Annual accounts 2025
- €57,016▲ 27.3%
- Filing
- Filed on 03-07-2026, 28 days before the end of the filing period
Insights on SMART & DIGITAL
SMART & DIGITAL files the micro format. That format states no turnover. The gross margin fell from €31,303 in 2023 to €13,463 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 & DIGITAL
- What is the company number of SMART & DIGITAL?
- The company number of SMART & DIGITAL is 0803.720.323. The VAT number is the same number with BE in front: BE 0803.720.323.
- Where is SMART & DIGITAL based?
- The registered office is at Boondaalse Steenweg 87, 1050 Ixelles.Company details
- What does SMART & DIGITAL do?
- According to the KBO register, the main activity is public relations and communication consultancy (NACE 73300).
- What is the legal form of SMART & DIGITAL?
- SMART & DIGITAL is a private limited company (BV).
- When was SMART & DIGITAL founded?
- SMART & DIGITAL was founded on 07-07-2023.
- Is SMART & DIGITAL still active?
- Yes, SMART & DIGITAL is an active enterprise in the KBO register.
- What is the turnover of SMART & DIGITAL?
- The turnover in financial year 2025 is ≈ €85,000. This figure is estimated from the gross margin of €13,463 and 41 comparable companies (NACE 73300). It probably lies between €35,000 and €140,000. It is a rough estimate.Financials
- Is SMART & DIGITAL profitable?
- In financial year 2025, SMART & DIGITAL made a profit of €7,333.
- Where can I find the annual accounts of SMART & DIGITAL?
- SMART & DIGITAL filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SMART & DIGITAL due?
- SMART & DIGITAL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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