Smart Property
ActiveSmart Property has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €686k and a net result of €26k. Equity is growing by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-9
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 48.92 against 35.77 in 2024; short-term debt: 1.9% and cash: 65.6% of total assets), and 1.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
98.1%
Return on assets
3.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
396 d late
2023
107 d late
2022
431 d late
2021
796 d late
2020
1161 d late
2019
87 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€686k▲ 3.9%
2024 · €660k
2018: €342k
2019: €468k
2020: €555k
2021: €441k
2022: €549k
2023: €586k
2024: €660k
2018 → 2025
Total assets
€699k▲ 3.1%
2024 · €678k
2018: €345k
2019: €481k
2020: €582k
2021: €452k
2022: €568k
2023: €603k
2024: €678k
2018 → 2025
Net result
€26k▼ 65.7%
2024 · €74k
2018: €69k
2019: €127k
2020: €87k
2021: €126k
2022: €108k
2023: €51k
2024: €74k
2018 → 2025
Working capital
€648k▲ 5.3%
2024 · €616k
2018: €329k
2019: €458k
2020: €550k
2021: €428k
2022: €483k
2023: €529k
2024: €616k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€441k-€549k▲ 24.5%€586k▲ 6.6%€660k▲ 12.7%€686k▲ 3.9%
Operating result€181k-€152k▼ 16.4%€70k▼ 54.0%€93k▲ 33.3%€24k▼ 73.9%
Net result€126k-€108k▼ 14.1%€51k▼ 53.3%€74k▲ 47.2%€26k▼ 65.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 74% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €699k
Fixed assets
€38k▼ 15.8%
Current assets
€662k▲ 4.5%
Equity and liabilities €699k
Equity
€686k▲ 3.9%
Debt
€14k▼ 23.6%
The debt ratio falls from 2.6% to 1.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€39k▼
2024 · €107k
Cash flow
€40k▼
2024 · €89k
Solvency
98.1%▲
2024 · 97.4%
Current ratio
48.92▲
2024 · 35.77
Quick ratio
48.92▲
2024 · 35.77
Debt / equity
0.02▼
2024 · 0.03
ROE
3.7%▼
2024 · 11.3%
ROA
3.7%▼
2024 · 11.0%
Interest coverage
63.28▼
2024 · 335.49
Debt
€14k▼
2024 · €18k
Debt ≤ 1 year
€14k▼
2024 · €18k
Income taxes
€10k▼
2024 · €29k
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€678k€699k▲
Fixed assets21/28€45k€38k▼
Tangible fixed assets22/27€45k€38k▼
Furniture and vehicles24€33k€29k▼
Other tangible fixed assets26€12k€9k▼
Financial fixed assets28€96€96=
Current assets29/58€633k€662k▲
Amounts receivable within one year40/41€92k€42k▼
Trade receivables40€86k€40k▼
Other amounts receivable41€6k€2k▼
Current investments50/53€517k€151k▼
Cash at bank and in hand54/58€25k€459k▲
Deferred charges and accrued income490/1-€10k
Equity and liabilities
Total equity and liabilities10/49€678k€699k▲
Equity10/15€660k€686k▲
Contributions10/11€10k€10k=
Reserves13€650k€676k▲
Distributable reserves133€650k€676k▲
Amounts payable17/49€18k€14k▼
Amounts payable within one year42/48€18k€14k▼
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€10k€4k▼
Taxes450/3€10k-
Remuneration and social security454/9-€4k
Other amounts payable47/48€5k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€15k▲
Other operating charges640/8€603€3k▲
Gross operating margin9900€108k€42k▼
Operating profit (loss)9901€93k€24k▼
Financial income75/76B€11k€12k▲
Recurring financial income75€11k€12k▲
Financial charges65/66B€319€620▲
Recurring financial charges65€319€620▲
Profit (loss) for the period before taxes9903€104k€36k▼
Income taxes67/77€29k€10k▼
Profit (loss) for the period9904€74k€26k▼
Profit (loss) for the period to be appropriated9905€74k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€74k€26k▼
Transfer to equity691/2€74k€26k▼
To other reserves6921€74k€26k▼
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 396 days late
2025
31-12
Financial
Weakest financial yearnet €26k ▼65.7%
Net result drops to €26k, the lowest in the series.
2024
15-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 107 days late
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 431 days late
04-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 796 days late
04-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1161 days late
2022
31-12
Financial
Equity above €500kEq €549k ▲24.5%
5 profitable years in a row build equity to €549k.
2020
31-12
Financial
Equity above €500kEq €555k ▲18.6%
3 profitable years in a row build equity to €555k.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
31-12
Financial
Highest result since 2018net €127k ▲83.3%
Operating result €187k, net result €127k, both a record.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Aalst · 1 establishment unit since 2016
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.
Overbroekstraat 419308 AalstGround area
1,010 m²
Building footprint
104 m²
Parcel 41029A0562/00D000, Flanders. Linked by address, not a title deed.
1 establishment unit
Smart Property
since 20162.258.482.771
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41029A0562/00D000 | Flanders | 1,010 m² | 1 · 104 m² | - |
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 450 EUR awarded · 450 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 450 EUR | 450 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
9845009976985A00AA73
Similar companies · same sector, comparable size
MIROG
BE 0448.985.680
Antwerpen · Eq €686k
Het Huiskantoor
BE 0629.893.056
Lommel · Eq €686k
OPRES
BE 0879.680.132
Diksmuide · Eq €686k
CST PROPERTIES
BE 0843.137.856
Elsene · Eq €686k
VEKA
BE 0444.481.912
Bree · Eq €685k
Of 11,749 companies in sector 68310 we hold annual accounts for 6,907. 4,210 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-10-2016
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.