Skip to content

smart santé

Active
Private limited companyfounded 2011active for 15 yearsRue de la Régence(GER) 2, 6280 Gerpinnes, BelgiumKBO/BCE: BE 0835.614.715
Summary

smart santé has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69,035 and a net result of -€10,896. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 47% of 2,592 sector peers (NACE 85, financial year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Risk analysisFollow ReportCompare
smart santéActiveChecked score 65/100
Risk analysis ReportCompare

Overview

Activity
Vocational training
NACE 85592General medical practice NACE 86210
1 site
Size
≈ €150,000turnover 2025, estimated
Staff
2 FTE
Equity
€69,035
Loss
-€10,896
Turnover estimated from the gross margin
Financial health
65 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.2%
Structure
2025 accounts filed 77 days late4 deeds in the Belgian Official Gazette
Why 65raises riskLiquidity: current ratio 2.09Last filed accounts filed 77 days late; 1 of the last 3 latelowers riskSector: Education (NACE 85)Size: total assets €172,255Show the evidence

Checked score

Score 2025
65 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 42% of its sector peers (NACE 85, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Average
Solvency 65+3
equity 40.1% of total assets
Liquidity 88+7
short-term debt 20.0%
Profitability 20-40
return on assets -6.3%
Bankruptcy probability, 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (3,813 companies, NACE 85, micro)
Last 24 months 11-2024: 0.4% 12-2024: 0.4%● unchanged vs 11-2024 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025lowest value 07-2025: 0.5%▲ +0.1 percentage points vs 06-2025 08-2025: 0.6%▲ +0.1 percentage points vs 07-2025 09-2025: 0.6%● unchanged vs 08-2025 10-2025: 0.6%● unchanged vs 09-2025 11-2025: 0.6%● unchanged vs 10-2025 12-2025: 0.6%● unchanged vs 11-2025 01-2026: 0.6%● unchanged vs 12-2025 02-2026: 0.6%● unchanged vs 01-2026 03-2026: 0.6%● unchanged vs 02-2026 04-2026: 0.6%● unchanged vs 03-2026 05-2026: 0.6%● unchanged vs 04-2026 06-2026: 0.6%● unchanged vs 05-2026 07-2026: 0.6%● unchanged vs 06-2026 08-2026: 0.9%▲ +0.3 percentage points vs 07-2026 09-2026: 1.0%▲ +0.1 percentage points vs 08-2026 10-2026: 1.2%▲ +0.2 percentage points vs 09-2026highest value
Credit of up to €4,000 on 30-day terms is acceptable
Liquidity ample (current ratio 2.09, compared with 1.86 in 2024, above the usual 1.5; short-term debt: 20% of total assets), but 59.9% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 85, micro): better than 45% on solvency, 78% on liquidity, 20% on profitability and 26% on growth.

The bankruptcy probability was computed on 27-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Five signals.
lowers riskraises risk
raises risk · Liquidity: current ratio 2.09
NBB · annual accounts
raises risk · Last filed accounts filed 77 days late; 1 of the last 3 late
NBB · filings
lowers risk · Sector: Education (NACE 85)
KBO
lowers risk · Size: total assets €172,255
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · 2025 accounts filed 77 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-10-2026, 77 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
77 days late
2024
1 day early
2023
23 days late
2022
100 days late
2021
101 days late
2020
1 day early
2019
1 day early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 43 days after the deadline; the sector median (NACE 85) for financial year 2024 is 16 days before the deadline, and 32% 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 October (4 of the last 5 filed years within 53 days of that day).
Companies Code · seven months
Where today falls in the filing period
28-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Weakest financial yearnet -€10,896
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Caution: Among the weakest 14% on net resultsector median €7,281 · 2,594 companies -€10,896 View
  • Caution: Latest accounts filed lateafter the legal deadline 77 days View
  • Total assets 20256 financial years filed €172,255 View

By topic

Financials

Financial year
2025
Total assets
€172,255
Loss
-€10,896
Solvency
40.1%
Total assets▼ 20.5%
Net result
20192025
Go to Financials

Timeline

Events
20
Since
2012
Next accounts
by 31-07-2027
  1. 31-12-2024Liquidity more than 7 times
  2. 23-09-2024General meeting · Director resignation
  3. 23-08-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Vocational trainingNACE 85592
Founded
19-04-2011
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Key facts about smart santé

What is the company number of smart santé?
0835.614.715. In Belgium the VAT number is the company number with BE in front: BE 0835.614.715.
Where is smart santé based?
The registered office is at Rue de la Régence(GER) 2, 6280 Gerpinnes.Company details
What does smart santé do?
According to the KBO register, the main activity is vocational training (NACE 85592).
What is the legal form of smart santé?
Private limited company (BV).
When was smart santé founded?
On 19-04-2011.
Is smart santé still active?
Yes, smart santé is an active enterprise in the KBO register.
How many employees does smart santé have?
On average 2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of smart santé?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is smart santé profitable?
In financial year 2025, smart santé made a loss of €10,896.
Where can I find the annual accounts of smart santé?
smart santé filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of smart santé due?
By 31-07-2027, for financial year 2026.Timeline

Companies related to smart santé

Go further with this company

How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure