Skip to content
Checked.be
Complete company report
Generated 13-08-2026
Active BE 0654.944.592Private limited company

SMART FINANCE

Onledebeekstraat 11 ·8800 Roeselare, Belgium· 10 yrs active
Sector: Overige zakelijke dienstverlening, neg (82990)
Conclusion Checked

The computed 12-month bankruptcy probability of SMART FINANCE is 0.5% (low). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 10 yrs
Board 3
Locations 2
Publications 9
Bankruptcy probability (12 mo) Checked model v1 · free
0.5% Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Multiple establishment units +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Established
Founded in 2016, 10 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financial overview8 NBB filings
Financials being processed
NBB has 8 filing(s) on record for this company, latest fiscal year 2024 (verkort). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 verkort 17-07-2025 2025-00287675
31-12-2023 verkort 11-07-2024 2024-00240000
31-12-2022 verkort 28-07-2023 2023-00299449
31-12-2021 verkort 29-06-2022 2022-20116146
31-12-2020 verkort 15-07-2021 2021-36100412
31-12-2019 verkort 28-08-2020 2020-46700059
31-12-2018 verkort 12-07-2019 2019-32500054
31-12-2017 verkort 29-06-2018 2018-28500056
Directors & mandates 7 directors
Current directors & mandates
  • BASELINELegal entity
    Director· perm. rep.: Kurt SPREUWERS
    State Gazette act 25102766 (13-08-2025)
    Current
    13-05-2025 → present
  • NonicsLegal entity
    Director· perm. rep.: Brecht DE MEY
    State Gazette act 25102766 (13-08-2025)
    Current
    13-05-2025 → present
  • COPUS PROJECTSOURCINGLegal entity
    Director· perm. rep.: Frederick Verhelst
    State Gazette act 21077750 (30-06-2021)
    Current
    28-05-2021 → present
Historic, not recently confirmed (1)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
  • F.V. MGTLegal entity
    Director· perm. rep.: Frederick VERHELST
    State Gazette act 20316561 (27-03-2020)
    Not recently confirmed
    last confirmed in an act from 2020
Former directors (3)
  • VABAS CONSULTINGLegal entity
    Director· perm. rep.: Andy VANDERHEYDEN
    State Gazette act 25102766 (13-08-2025)
    Former
    - → 13-05-2025
  • F.V. MGT BVLegal entity
    Director· perm. rep.: Frederick Verhelst
    State Gazette act 21077750 (30-06-2021)
    Former
    - → 28-05-2021
  • Frederick Verhelst
    Manager
    State Gazette act 20316561 (27-03-2020)
    Former
    - → 27-03-2020
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Statutory auditor 1 auditor
Statutory auditor IRE/IBR number Tenure
Moore AuditCurrent
Statutory auditor · represented by Stijn Van Hout
 - 01-01-2022 → present
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.
Legal Structure
NACE primary Overige zakelijke dienstverlening, neg(82990)
Legal form Private limited company(610)
Incorporation24-05-2016
StatusActive
Postal code8800
Connections & network 8 connected companies
Group structure
BASELINE
Sits on the board · 3 subsidiaries · 1 location
Control→
COPUS PROJECTSOURCING
Sits on the board · 4 subsidiaries · 1 location
Control→
F.V. MGT
Sits on the board · 4 subsidiaries · 1 location
Control→
Nonics
Sits on the board · 3 subsidiaries · 1 location
Control→
Network connections
Full House
Shared corporate director
→
KFC MANDEL UNITED
Shared corporate director
→
Smart Construct
Shared corporate director
→
Smart Services
Shared corporate director
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control 4 parties
Control over this companysits on this company's board4
COPUS PROJECTSOURCING
4 subsidiaries · 1 location
F.V. MGT
4 subsidiaries · 1 location
BASELINE
3 subsidiaries · 1 location
Nonics
3 subsidiaries · 1 location
controls
SMART FINANCEBE 0654.944.592

Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.

Establishment units 2 locations
SMART FINANCE
Onledebeekstraat 11, 8800 RoeselareManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.
since 20162.253.138.368
Smart Solutions Hasselt
Kempische steenweg 440, 3500 HasseltManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.
since 20232.345.937.179
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
36505A0841/00A000 Flanders 6,112 m² 1 · 2,881 m² 2.9 m
71327G0087/00E002 Flanders 866 m² 1 · 153 m² 8.7 m · 2 fl.
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.
Updates 17 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
21-10-2025
State Gazette act Director changes
v3.2
13-08-2025
State Gazette act Director changes
v3.2
17-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
11-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
2023
28-07-2023
NBB filing Annual accounts filed
fiscal year 2022 · verkort
2022
25-08-2022
State Gazette act Director changes
v3.2
29-06-2022
NBB filing Annual accounts filed
fiscal year 2021 · verkort
19-04-2022
State Gazette act Capital & shares
v3.2
03-01-2022
State Gazette act Statutes amendment
v3.2
2021
15-07-2021
NBB filing Annual accounts filed
fiscal year 2020 · verkort
30-06-2021
State Gazette act Director changes
v3.2
2020
28-08-2020
NBB filing Annual accounts filed
fiscal year 2019 · verkort
27-03-2020
State Gazette act Statutes amendment
v3.2
2019
12-07-2019
NBB filing Annual accounts filed
fiscal year 2018 · verkort
2018
11-12-2018
State Gazette act Registered-office change
v3.2
29-06-2018
NBB filing Annual accounts filed
fiscal year 2017 · verkort
2016
26-05-2016
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 9 acts
Capital history · 1
19-04-2022
v3.2
Address history · 1
11-12-2018
v3.2
All acts · 9 updated 9 months ago
2025
21-10-2025 Stijn Van Hout reappointed as statutory auditor Director changes
  • Stijn Van Hout, Commissaris
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "commissaris_renew",
      "role": "commissaris",
      "person": {
        "rrn": null,
        "name": "Stijn Van Hout",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0453925059",
        "name": "Moore Audit BV",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2025-06-17",
      "evidence_quote": "Op voorstel van het bestuursorgaan, en met instemming van de ondernemingsraad, besluit de vergadering Moore Audit BV (Ondernemingsnummmer: 0453.925.059 / RPR Brussel (Nederlandstalig)), met zetel te Esplanade 1 bus 96 1020 Brussel, vertegenwoordigd door de heer Stijn Van Hout, bedrijfsrevisor, kanto"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0654.944.592",
    "name_full": "SMART FINANCE",
    "legal_form": "BV"
  }
}
13-08-2025 1 director appointed, 1 resigning, 1 reappointed Director changes
  • Kurt SPREUWERS, Bestuurder
  • Andy VANDERHEYDEN, Bestuurder
  • Brecht DE MEY, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Andy VANDERHEYDEN",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0802580374",
        "name": "VABAS CONSULTING BV",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2025-05-13",
      "evidence_quote": "Kennisname en aanvaarding, voor zover als nodig, van de be\u00EBindiging van het mandaat van de hierma volgende entiteit als bestuurder van de Vennootschap, met onmiddellijke ingang: -- VABAS CONSULTING BV, met zetel te Pater Beckersstraat 58, 3550 Heusden-Zolder, RPR Antwerpen, afdeling Hasselt 0802.580"
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Brecht DE MEY",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0771898977",
        "name": "NONICS BV",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2025-05-13",
      "evidence_quote": "Herbenoeming, met onmiddellijke ingang, van de volgende entiteit als bestuurder van de Vennootschap voor een onbepaalde duurtijd: -- NONICS BV, met zetel te Veldleeuwerikhof 19, 9080 Lochristi, RPR Gent, afdeling Gent 0771.898.977 met als vaste vertegenwoordiger de heer Brecht DE MEY."
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Kurt SPREUWERS",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0791525542",
        "name": "BASELINE BV",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2025-05-13",
      "evidence_quote": "Benoeming, met onmiddellijke ingang, van de volgende entiteit als nieuwe bestuurder van Vennootschap voor een onbepaalde duurtijd: de -- BASELINE BV, met zetel te Stasegemsesteenweg 117, 8530 Harelbeke, RPR Gent, afdeling Kortrijk 0791.525.542, vast vertegenwoordigd door de heer Kurt SPREUWERS."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0654.944.592",
    "name_full": "SMART FINANCE",
    "legal_form": "BV"
  }
}
2022
25-08-2022 Stijn Van Hout appointed as statutory auditor Director changes
  • Stijn Van Hout, Commissaris
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "commissaris_in",
      "role": "commissaris",
      "person": {
        "rrn": null,
        "name": "Stijn Van Hout",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0453925059",
        "name": "Moore Audit",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2022-01-01",
      "evidence_quote": "De enige aandeelhouder besluit, vervolgens, de besloten vennootschap \u0022Moore Audit\u0022, voornoemd en vertegenwoordigd als gezegd, te benoemen tot commissaris van de Vennootschap voor een periode van drie boekjaren, ingaand voor het boekjaar dat wordt afgesloten op 31/12/2022 en eindigend onmiddellijk na"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0654.944.592",
    "name_full": "SMART FINANCE",
    "legal_form": "BV"
  }
}
19-04-2022 Transaction in capital or shares Capital & shares
Summary: v3.2
Technical details 
{
  "events": [],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0654.944.592",
    "name_full": "SMART FINANCE",
    "legal_form": "BV"
  }
}
03-01-2022 Articles of association amended Statutes amendment
Summary: v3.2
Technical details 
{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "statute_change": {
    "name_change": false,
    "seat_change": false,
    "object_change": false,
    "effective_date": "2021-12-23",
    "legal_form_change": false
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0654.944.592",
    "name_full": "SMART FINANCE",
    "legal_form": "BV"
  },
  "signature_regime": null,
  "special_mandates": [
    {
      "quote": "De vergadering geeft opdracht aan de instrumenterende notaris om de statuten te co\u00F6rdineren en om over te gaan tot het ondertekenen en neerleggen op de griffie van de Ondernemingsrechtbank van de geco\u00F6rdineerde statuten.",
      "holder_kbo": null,
      "holder_name": "Tom Claerhout",
      "scope_categories": [
        "coordination",
        "filing",
        "publication"
      ],
      "with_substitution": false
    }
  ],
  "governance_change": {
    "admin_delegated_added": []
  }
}
2021
30-06-2021 1 director appointed, 1 resigning Director changes
  • Frederick Verhelst, Bestuurder
  • Frederick Verhelst, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Frederick Verhelst",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": null,
        "name": "F.V. MGT BV",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2021-05-28",
      "evidence_quote": "Kennisname en aanvaarding, voor zover als nodig, van het ontslag van de hierna volgende bestuurder van de Vennootschap, met onmiddellijke ingang: - F.V. MGT BV, vast vertegenwoordigd door de heer Frederick Verhelst."
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Frederick Verhelst",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0768739450",
        "name": "Copus Projectsourcing NV",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2021-05-28",
      "evidence_quote": "Benoeming, met onmiddellijke ingang, van de hierna volgende entiteit als bestuurder van de Vennootschap voor een duurtijd van zes jaar: - Copus Projectsourcing NV, met zetel te Frankrijklei 126, 2000 Antwerpen, Belgi\u00EB en ingeschreven in de Kruispuntbank voor Ondernemingen onder nummer 0768.739.450 ("
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0654.944.592",
    "name_full": "SMART FINANCE",
    "legal_form": "BV"
  }
}
2020
27-03-2020 Articles of association amended Statutes amendment
Summary: v3.2
Technical details 
{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "statute_change": {
    "name_change": false,
    "seat_change": false,
    "object_change": true,
    "effective_date": "2020-03-12",
    "legal_form_change": false
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0654.944.592",
    "name_full": "SMART FINANCE",
    "legal_form": "BVBA"
  },
  "signature_regime": "solo",
  "special_mandates": [
    {
      "quote": "De vergadering geeft opdracht aan de instrumenterende notaris om de statuten te co\u00F6rdineren en om over te gaan tot het ondertekenen en neerleggen op de griffie van de Ondernemingsrechtbank van de geco\u00F6rdineerde statuten.",
      "holder_kbo": null,
      "holder_name": "Meester Tom Claerhout",
      "scope_categories": [
        "publication",
        "filing"
      ],
      "with_substitution": false
    }
  ],
  "governance_change": {
    "admin_delegated_added": []
  }
}
2018
11-12-2018 Registered office moved from IZEGEM to Roeselare Registered-office change
  • EGAALSTRAAT 1, 8870 IZEGEM → Onledebeekstraat 11, 8800 Roeselare
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Roeselare",
        "region": null,
        "street": "Onledebeekstraat",
        "country": "BE",
        "postcode": "8800",
        "box_number": null,
        "street_number": "11"
      },
      "old_address": {
        "city": "IZEGEM",
        "region": null,
        "street": "EGAALSTRAAT",
        "country": "BE",
        "postcode": "8870",
        "box_number": null,
        "street_number": "1"
      },
      "effective_date": "2018-10-29",
      "evidence_quote": "Er blijkt uit het verslag van de Zaakvoerder dd. 24/10/2018 dat de maatschappelijke zetel en de bedrijfsinrichting werd verplaatst naar Onledebeekstraat 11 te 8800 Roeselare, en dit vanaf 29/10/2018."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0654.944.592",
    "name_full": "SMART FINANCE",
    "legal_form": "BVBA"
  }
}
2016
26-05-2016 Incorporation of a new BV Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "Egaalstraat 1, 8870 Izegem",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1982-06-03",
        "name": "Frederick Danny Annie VERHELST",
        "niss": null,
        "address": "De Lanteernstraat 25, 8870 Izegem"
      },
      "share_class": "naam",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 6138,
      "holder_person_name": "Frederick Danny Annie VERHELST",
      "is_subscriber_only": false,
      "n_shares_subscribed": 99,
      "amount_subscribed_eur": 6138,
      "is_anonymous_silent_partner": false
    },
    {
      "org": {
        "kbo": "0828.168.380",
        "name": "F.V. MGT"
      },
      "kind": "rechtspersoon",
      "person": null,
      "share_class": "naam",
      "partner_role": null,
      "holder_org_kbo": "0828.168.380",
      "holder_org_name": "F.V. MGT",
      "contribution_type": "cash",
      "amount_paid_in_eur": 62,
      "holder_person_name": null,
      "is_subscriber_only": false,
      "n_shares_subscribed": 1,
      "amount_subscribed_eur": 62,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 18550,
  "subject_company": {
    "kbo": "0654.944.592",
    "name_full": "SMART FINANCE",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2016-05-19",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Diverse administratieve activiteiten ten behoeve van kantoren82110
Primary activity highlighted.
Names & trade names
Legal nameNL SMART FINANCE
Trade nameNL SMART FINANCE
Registered office
Onledebeekstraat 11
8800 Roeselare, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Same sector and region · no size comparison possible · 2,967 of 24,478 with filed accounts
A. Depreytere BE 0417.760.093 · Roeselare
A.V. Invest BE 0744.558.934 · Roeselare
ABACCO BE 0700.851.625 · Roeselare
Agro-Vlaanderen BE 0677.754.935 · Roeselare
AP-Construct BE 0657.946.545 · Roeselare
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative