Financials
- Fiscal year
- 2024
- Total assets
- €1,498
- Loss
- -€2,392
- Solvency
- -159.8%
Smart For You
ActiveSummary
The computed 12-month bankruptcy probability of Smart For You is 4.6% (elevated). The 2024 annual accounts show negative equity (-€2,392) and a net result of -€2,392. Its solvency ranks better than 5% of 20779 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Computer programming
NACE 62100NACE 62010
1 site
Size
€1,498total assets 2024
- Equity
- -€2,392
- Loss
- -€2,392
Turnover not published (abridged schema)
Structure
Accounts filed 153 d late0 of 1 deed read
Why 35- 1 financial year not filed after the legal deadline; latest accounts 153 days late; 1 of the last 3 late- Figures for FY 2024 (filed 05-01-2026)- Liquidity: current ratio 0.38+ Sector Computer programming, consultancy and related activities (NACE 62)Show the evidence
Checked score
Score 2024
35
/ 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 3% of its sector peers (NACE 62, micro)
Performance against the sector, not lower risk
Financial strength
Weak
Solvency
0
equity -159.8% of total assets
Liquidity
0
short-term debt 259.8%
Profitability
0
return on assets -159.8%
Bankruptcy probability, 12 months
4.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
03-2025: 0.4%lowest value
04-2025: 0.4%▲ +2.1% vs 03-2025
05-2025: 0.4%● 0.0% vs 04-2025
06-2025: 0.4%▲ +3.4% vs 05-2025
07-2025: 0.4%▲ +0.5% vs 06-2025
08-2025: 0.4%▲ +11.6% vs 07-2025
09-2025: 0.5%▲ +14.2% vs 08-2025
10-2025: 0.5%▲ +7.1% vs 09-2025
11-2025: 0.5%▼ -3.0% vs 10-2025
12-2025: 0.5%▲ +0.2% vs 11-2025
01-2026: 0.6%▲ +9.5% vs 12-2025
02-2026: 2.3%▲ +290% vs 01-2026
03-2026: 2.4%▲ +4.6% vs 02-2026
04-2026: 2.4%● 0.0% vs 03-2026
05-2026: 2.4%● 0.0% vs 04-2026
06-2026: 2.3%▼ -4.1% vs 05-2026
07-2026: 2.2%▼ -1.7% vs 06-2026
08-2026: 2.8%▲ +27.2% vs 07-2026
09-2026: 3.2%▲ +13.2% vs 08-2026
10-2026: 4.6%▲ +44.1% vs 09-2026highest value
- 1 financial year not filed after the legal deadline; latest accounts 153 days late; 1 of the last 3 late raises the probability
- Figures for FY 2024 (filed 05-01-2026) raises the probability
- Liquidity: current ratio 0.38 raises the probability
- Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 62, micro). Better than this share of them on solvency 3%, liquidity 0%, profitability 5%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-12-2025, 153 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 1 filingDeviation from the deadline
2024
153 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its 2024 accounts 153 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2025
- 31-12-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Computer programmingNACE 62100
- Founded
- 08-02-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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