Equity
€728,224 ▲ 4.7%
SMART HOUSES paid out €350,000 in dividends. That is 92% of the 2025 profit.
SMART HOUSES
Lifetime
7 annual accounts with figures on one time axisGross marginpeak €662,310 (2025)
€662,310▲ 19.0%
Resultpeak €389,967 (2024)
€382,484▼ 1.9%
Equitypeak €728,224 (2025)
€728,224▲ 4.7%
Debts
€671,007▲ 16.1%
Staffpeak 3.2 FTE (2025)
3.2 FTE▲ 357%
Board2 names since 2023
2 directorsDimitri Geldhof and 1 other
Documentsfilings and deeds
20-04-2026102 days before the deadline
2025abbreviated format
Gross margin from €556,686 to €662,310Staff from 0.7 FTE to 3.2 FTEDividend €350,000Debts from €578,088 to €671,0071 establishment registeredInvestments €112,975
Key points
from the 2025 annual accountsInvestments
€89,075 2.6 × depreciation
Green is investment, beige is depreciation.
Position in the sector
€382,484
Higher net result than 90% of companies in office administrative support. Sector median €21,082 · 2,822 companies.
Checked score
95
Excellent
Financially stronger than 61% of micro companies in office administrative support (NACE 82)
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 12,676 companies (NACE 82, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.2%▲ +0.1 percentage points vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.3%▲ +0.1 percentage points vs 11-2025highest value
01-2026: 0.1%▼ -0.2 percentage points 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%▼ -0.1 percentage points vs 04-2026lowest value
06-2026: < 0.1%● unchanged vs 05-2026lowest value
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 1.93, cash €346,445
Sector: Office administrative, office support and other business support activities (NACE 82)
Figures for financial year 2025 (filed on 28-04-2026)
Equity €728,224 (52.0% 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 82, micro). It does better than 53% of them on solvency, 54% on liquidity, 87% on profitability and 49% on growth.
The bankruptcy probability was computed on 04-11-2026 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, 26,972 companies had the same profile as SMART HOUSES has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SMART HOUSES itself is lower: < 0.1% within 12 months. It rests on far more data about SMART HOUSES than the profile alone.
Test of the method
The method was tested on the 497,446 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 26,972 companies, not a prediction for SMART HOUSES. 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 €65,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.93 (2.13 in 2024), above the usual 1.5. Short-term debt is 44.5% and cash 24.8% of total assets. 48% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers 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 20-04-2026, 102 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
102 days early
2024
6 days early
2023
16 days early
2022
1 day late
2021
32 days early
2020
7 days early
2019
20 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 26 days before the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% 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 (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0698661405
New establishment in Waregem
Meersstraat 36
Registered office moved to Wielsbeke Wandellaan
New registered office: 8710 Wielsbeke Wandellaan 15 · Changes of role: Dimitri Geldhof (director) and Jens Noppe (director) · “Het aankopen,verkopen,verkavelen,huren,verhuren,nemen en verlenen van allerlei rechten van/op om het even…” (deed in Dutch) · General meeting of 19-12-2023 · Gazette deed
Environmental permit granted
Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden · Ingelmunster
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| SMART HOUSES Wielsbeke | €1.4m | €662,310 | 52.0% | 3.2 |
| The Harbour Ghent | €1.5m | €593,686 | 67.6% | 3.6 |
| 2Grow Ghent | €1.5m | €427,961 | -74.4% | 3.4 |
| Tribes Avenue Marnix Brussels | €0.8m | €585,070 | -232.0% | 3.7 |
| Pobos Sint-Martens-Latem | €0.9m | €577,386 | 28.4% | 4.4 |
| Animal Projects Machelen (Brab.) | €0.8m | €635,338 | 90.3% | 2.5 |
| WISPEX BE Antwerp | €1.1m | €659,783 | 28.7% | 6.4 |
These companies have the same main activity as SMART HOUSES: other business support services (NACE 82990). They are comparable in size and age: total assets between €842,000 and €1.5m, founded between 2016 and 2018.
Official details
Source: KBO- Status
- Active since 20-06-2018Normal situation
- Activity
- Other business support servicesNACE 82990and 3 others
- Establishment units
- 2.276.956.2248710 Wielsbeke, since 20-06-2018
- 2.375.225.3408790 Waregem, since 01-07-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 20-11-2025
Annual accounts 2025
- Turnover
- ≈ €990,000estimated
- Total assets
- €1.4m▲ 9.8%
- Filing
- Filed on 20-04-2026, 102 days before the end of the filing period
Insights on SMART HOUSES
SMART HOUSES files the abbreviated format. That format states no turnover. The gross margin rose from €62,066 in 2019 to €662,310 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 HOUSES
- What is the company number of SMART HOUSES?
- The company number of SMART HOUSES is 0698.661.405. The VAT number is the same number with BE in front: BE 0698.661.405.
- Where is SMART HOUSES based?
- The registered office is at Wandellaan 15, 8710 Wielsbeke.Company details
- What does SMART HOUSES do?
- According to the KBO register, the main activity is other business support services (NACE 82990).
- What is the legal form of SMART HOUSES?
- SMART HOUSES is a private limited company (BV).
- When was SMART HOUSES founded?
- SMART HOUSES was founded on 20-06-2018.
- Is SMART HOUSES still active?
- Yes, SMART HOUSES is an active enterprise in the KBO register.
- How many employees does SMART HOUSES have?
- SMART HOUSES had an average of 3.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of SMART HOUSES?
- The turnover in financial year 2025 is ≈ €990,000. This figure is estimated from the gross margin of €662,310 and 33 comparable companies (NACE 82990). It probably lies between €820,000 and €1.4m. In financial year 2023 turnover was €1.5m.
- Is SMART HOUSES profitable?
- In financial year 2025, SMART HOUSES made a profit of €382,484.
- Where can I find the annual accounts of SMART HOUSES?
- SMART HOUSES filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SMART HOUSES due?
- SMART HOUSES must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.