SMART IMPORT
ActiveSMART IMPORT has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €424k and a net result of €5k. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 79% of 7892 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
78
/ 100
Excellent▲ +4 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability6▼-41
Solvency100▲+11
Growth52=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 3.9 against 1.87 in 2024), and 25.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
74.4%
Return on assets
0.9%
Age of the figures
14 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
2 d late
2024
17 d late
2023
2 d early
2022
on the day
2021
on the day
2020
1 d early
2019
32 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€424k▲ 1.2%
2024 · €419k
2019: €184k
2020: €246k
2021: €320k
2022: €235k
2023: €380k
2024: €419k
2019 → 2025
Total assets
€570k▼ 36.6%
2024 · €898k
2019: €353k
2020: €275k
2021: €462k
2022: €757k
2023: €772k
2024: €898k
2019 → 2025
Net result
€5k▼ 86.9%
2024 · €39k
2019: €108k
2020: €61k
2021: €75k
2022: €-86k
2023: €160k
2024: €39k
2019 → 2025
Working capital
€424k▲ 1.2%
2024 · €419k
2019: €159k
2020: €227k
2021: €312k
2022: €234k
2023: €379k
2024: €419k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€320k-€235k▼ 26.7%€380k▲ 61.7%€419k▲ 10.3%€424k▲ 1.2%
Operating result€111k-€-130k€198k€45k▼ 77.1%€-25k
Net result€75k-€-86k€160k€39k▼ 75.5%€5k▼ 86.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €25k after €45k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €570k
Equity
€424k▲ 1.2%
Debt
€146k▼ 69.6%
The debt ratio falls from 53.4% to 25.6%: equity grows while debt is paid down.
Key figures and ratios
Solvency
74.4%▲
2024 · 46.6%
Current ratio
3.90▲
2024 · 1.87
Quick ratio
3.90▲
2024 · 1.87
Debt / equity
0.34▼
2024 · 1.15
ROE
1.2%▼
2024 · 9.3%
ROA
0.9%▼
2024 · 4.4%
Debt
€146k▼
2024 · €480k
Debt ≤ 1 year
€146k▼
2024 · €480k
Income taxes
€2k▼
2024 · €19k
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€898k€570k▼
Current assets29/58€898k€570k▼
Amounts receivable within one year40/41€122k€121k▼
Trade receivables40€104k€87k▼
Other amounts receivable41€18k€34k▲
Current investments50/53€750k€376k▼
Cash at bank and in hand54/58€27k€72k▲
Equity and liabilities
Total equity and liabilities10/49€898k€570k▼
Equity10/15€419k€424k▲
Contributions10/11€19k€19k=
Reserves13€400k€405k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€398k€403k▲
Amounts payable17/49€480k€146k▼
Amounts payable within one year42/48€480k€146k▼
Trade debts44€47k€13k▼
Suppliers440/4€47k€13k▼
Advances received on contracts in progress46€64k-
Taxes, remuneration and social security45€139k€122k▼
Taxes450/3€139k€122k▼
Other amounts payable47/48€230k€10k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€414-
Other operating charges640/8€493€505▲
Gross operating margin9900€46k€-25k▼
Operating profit (loss)9901€45k€-25k▼
Financial income75/76B€41k€44k▲
Recurring financial income75€41k€44k▲
Financial charges65/66B€28k€12k▼
Recurring financial charges65€28k€12k▼
Profit (loss) for the period before taxes9903€58k€7k▼
Income taxes67/77€19k€2k▼
Profit (loss) for the period9904€39k€5k▼
Profit (loss) for the period to be appropriated9905€39k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€5k▼
Transfer to equity691/2€39k€5k▼
To other reserves6921€39k€5k▼
The notes to these accounts (3 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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 2 days late
2025
30-06
Financial
Liquidity doublescurrent ratio 3.90
Current ratio from 1.87 to 3.90; short-term debt falls from €480k to €146k.
17-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 17 days late
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Back to profitnet €160k
Net result €160k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Weakest financial yearnet €-86k ▼215%
Net result drops to €-86k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Liquidity quadruplescurrent ratio 8.65
Current ratio from 1.94 to 8.65; short-term debt falls from €169k to €30k.
30-06
Financial
Equity above €200kEq €246k ▲33.3%
2 profitable years in a row build equity to €246k.
2019
30-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
27-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
28-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Schoten · 1 establishment unit since 1993
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.
Melkerijstraat 522900 SchotenGround area
2,452 m²
Building footprint
2,108 m²
Volume, LiDAR
10,015 m³
Parcel 11443C0630/00S000, Flanders · tallest building 26.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SMART IMPORT
since 19932.060.656.617
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11443C0630/00S000 | Flanders | 2,452 m² | 1 · 2,108 m² | 26.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
RATO EDUCATION
BE 0558.913.109
Antwerpen · Eq €424k
A.B.C. EUROPE
BE 0436.500.592
Elsene · Eq €431k
TARRAS
BE 0450.251.531
Menen · Eq €411k
Pribon
BE 0638.792.708
Kasterlee · Eq €439k
THILL
BE 0402.710.346
Vorst · Eq €441k
Of 329 companies in sector 46492 we hold annual accounts for 237. 187 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-01-1993
Fiscal year end30-06
Activities, NACEBEL
46492Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.