Smart Safe
ActiveSmart Safe has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32k and a net result of €35k. Equity is shrinking by ~30.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 23% of 8002 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+52
Solvency42▲+19
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.0 against 0.0 in 2024; short-term debt: 83.4% and cash: 0% of total assets), and 83.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
16.6%
Return on assets
18.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 8002 sector peers (2025).
NBB · sector comparisonPosition among 8002 sector peers
Solvency
better than 23%
← weakest
strongest →
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
91 d late
2023
6 d late
2022
29 d late
2021
5 d late
2020
1 d early
2019
24 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€32k
2024 · €-3k
2018: €13k
2019: €10k
2020: €7k
2021: €6k
2022: €4k
2023: €2k
2024: €-3k
2018 → 2025
Total assets
€190k=
2024 · €190k
2018: €194k
2019: €194k
2020: €194k
2021: €194k
2022: €194k
2023: €194k
2024: €190k
2018 → 2025
Net result
€35k
2024 · €-5k
2018: €-4k
2019: €-3k
2020: €-2k
2021: €-1k
2022: €-2k
2023: €-2k
2024: €-5k
2018 → 2025
Working capital
€-158k▲ 17.9%
2024 · €-193k
2018: €-148k
2019: €-176k
2020: €-183k
2021: €-184k
2022: €-186k
2023: €-188k
2024: €-193k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€4k▼ 36.8%€2k▼ 50.8%€-3k€32k
Operating result€-879-€-2k▼ 167%€-2k▲ 18.7%€-5k▼ 156%€42k
Net result€-1k-€-2k▼ 130%€-2k▲ 12.8%€-5k▼ 142%€35k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €42k after a loss of €5k in 2024, the highest result in the available series.
Balance-sheet composition
Equity and liabilities €190k
Equity
€32k
Debt
€158k
Debt finances 83.4% of the balance-sheet total.
Key figures and ratios
Solvency
16.6%▲
2024 · -1.6%
Current ratio
0.00▼
2024 · 0.00
Quick ratio
0.00▼
2024 · 0.00
Debt / equity
5.02▲
2024 · -64.90
ROE
109.4%
ROA
18.2%▲
2024 · -2.6%
Debt
€158k▼
2024 · €193k
Debt ≤ 1 year
€158k▼
2024 · €193k
Income taxes
€7k
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€190k€190k=
Fixed assets21/28€190k€190k=
Financial fixed assets28€190k€190k=
Current assets29/58€0€0▼
Cash at bank and in hand54/58€0€0▼
Equity and liabilities
Total equity and liabilities10/49€190k€190k=
Equity10/15€-3k€32k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-23k€11k▲
Amounts payable17/49€193k€158k▼
Amounts payable within one year42/48€193k€158k▼
Trade debts44€3k€6k▲
Suppliers440/4€3k€6k▲
Taxes, remuneration and social security45-€7k
Taxes450/3-€7k
Other amounts payable47/48€190k€145k▼
Income statement
Code20242025
Non-recurring operating income76A-€48k
Goods, raw materials, services and sundry goods60/61€5k-
Other operating charges640/8-€132
Gross operating margin9900€-5k€42k▲
Operating profit (loss)9901€-5k€42k▲
Financial charges65/66B€69€0▼
Recurring financial charges65€69€0▼
Profit (loss) for the period before taxes9903€-5k€42k▲
Income taxes67/77-€7k
Profit (loss) for the period9904€-5k€35k▲
Profit (loss) for the period to be appropriated9905€-5k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-23k€11k▲
Profit (loss) brought forward from the previous period14P€-18k€-23k▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (6 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 · abbreviated schema · 31 days late
2025
31-12
Financial
Back to profitnet €35k
Net result €35k after 7 loss-making years.
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 91 days late
2024
31-12
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 24 days late
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-07
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
5 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, Boortmeerbeek · 1 establishment unit since 2003
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.
Industrieweg 193190 BoortmeerbeekGround area
498 m²
Building footprint
1,713 m²
Volume, LiDAR
5,728 m³
Parcel 24014C0101/00F000, Flanders · tallest building 5.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SMART SAFE
since 20032.134.484.307
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24014C0101/00F000 | Flanders | 498 m² | 1 · 1,713 m² | 5.8 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
SODIMS AIR COMPRIME
BE 0457.333.224
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GOKSU FIRINI
BE 0451.568.355
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BSB
BE 0474.603.578
Geel · Eq €32k
DE NIL
BE 0452.804.512
Nijlen · Eq €31k
HOUSE OF MIRACLES
BE 0845.104.283
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Of 1,565 companies in sector 46900 we hold annual accounts for 920. 436 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-10-2003
Fiscal year end31-12
Activities, NACEBEL
46900Non-specialised wholesale trade
51900
32990Other manufacturing not elsewhere classified
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47990Retail trade
52630
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.