Smart Services
ActiveSummary
Smart Services has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5,591 and a net result of €754. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 35% of 11472 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability72▼-21
Solvency47▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
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Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 6 filingsDeviation from the deadline
2025
20 d late
2024
61 d late
2023
21 d late
2022
28 d late
2021
30 d late
2020
17 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 30 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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How much credit can you give this customer, and on what term?Credit simulator 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
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Financials · fiscal year 2025, micro schema
Turnover
€17,214
EBIT margin
-24.1%
Net result
€754▼ 87.4%
2024 · €6,007
Working capital
€10,860▲ 44.6%
2024 · €7,508
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result-€2,411▲ 41.9%€472€3,136▲ 564%€6,054▲ 93.0%€799▼ 86.8%
Net result-€2,456▲ 41.9%€421€3,091▲ 635%€6,007▲ 94.3%€754▼ 87.4%
EBIT margin
Equity-€4,682▼ 110%-€4,261▲ 9.0%-€1,170▲ 72.5%€4,837€5,591▲ 15.6%
Total assets€3,444▼ 80.7%€6,471▲ 87.9%€30,701▲ 374%€31,609▲ 3.0%€25,585▼ 19.1%
Debt€8,126▼ 59.4%€10,732▲ 32.1%€31,871▲ 197%€26,772▼ 16.0%€19,994▼ 25.3%
Working capital-€4,682▼ 110%-€4,261▲ 9.0%-€21,786▼ 411%€7,508€10,860▲ 44.6%
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 87% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €25,585
Fixed assets
€6,481 ▼ 52.2%
Current assets
€19,104 ▲ 5.8%
Equity and liabilities €25,585
Equity
€5,591 ▲ 15.6%
Debt
€19,994 ▼ 25.3%
Debt's share of the balance-sheet total falls from 84.7% to 78.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€7,867▼
2024 · €13,121
Cash flow
€7,822▼
2024 · €13,075
Current ratio
2.32▲
2024 · 1.71
Quick ratio
0.14▼
2024 · 1.68
Debt to equity
3.58▼
2024 · 5.53
ROE
13.5%▼
2024 · 124.2%
ROA
2.9%▼
2024 · 19.0%
Interest coverage
174.82▼
2024 · 280.25
Debt ≤ 1 year
€8,245▼
2024 · €10,553
Debt > 1 year
€11,749▼
2024 · €16,220
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,270 companies that looked in July 2024 the way this one looks now, 2.1% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
2.1%
went bankrupt
2.5%
stopped otherwise
95%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,270 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €4,729 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €589 | €7,068 | €7,068 | = |
| Other operating charges640/8 | €333 | €122 | - | €1,283 | €847 | ▼ 33.9% |
| Gross operating margin9900 | -€2,078 | €594 | €3,726 | €14,404 | €8,715 | ▼ 39.5% |
| Operating profit (loss)9901 | -€2,411 | €472 | €3,136 | €6,054 | €799 | ▼ 86.8% |
| Financial income75/76B | - | €1 | - | - | - | - |
| Recurring financial income75 | - | €1 | - | - | - | - |
| Financial charges65/66B | €45 | €52 | €45 | €47 | €45 | ▼ 3.9% |
| Recurring financial charges65 | €45 | €52 | €45 | €47 | €45 | ▼ 3.9% |
| Profit (loss) for the period before taxes9903 | -€2,456 | €421 | €3,091 | €6,007 | €754 | ▼ 87.4% |
| Profit (loss) for the period9904 | -€2,456 | €421 | €3,091 | €6,007 | €754 | ▼ 87.4% |
| Profit (loss) for the period to be appropriated9905 | -€2,456 | €421 | €3,091 | €6,007 | €754 | ▼ 87.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3,444 | €6,471 | €30,701 | €31,609 | €25,585 | ▼ 19.1% |
| Fixed assets21/28 | - | - | €20,616 | €13,548 | €6,481 | ▼ 52.2% |
| Tangible fixed assets22/27 | - | - | €20,616 | €13,548 | €6,481 | ▼ 52.2% |
| Furniture and vehicles24 | - | - | €20,616 | €13,548 | €6,481 | ▼ 52.2% |
| Current assets29/58 | €3,444 | €6,471 | €10,085 | €18,061 | €19,104 | ▲ 5.8% |
| Stocks and contracts in progress3 | - | €4,380 | €8,935 | €385 | €17,937 | ▲ 4,559% |
| Stocks30/36 | - | €4,380 | €8,935 | €385 | €17,937 | ▲ 4,559% |
| Amounts receivable within one year40/41 | €23 | €92 | €378 | €4,237 | €115 | ▼ 97.3% |
| Trade receivables40 | - | - | - | €4,237 | €115 | ▼ 97.3% |
| Other amounts receivable41 | €23 | €92 | €378 | - | - | - |
| Cash at bank and in hand54/58 | €3,421 | €1,999 | €773 | €13,439 | €1,053 | ▼ 92.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3,444 | €6,471 | €30,701 | €31,609 | €25,585 | ▼ 19.1% |
| Equity10/15 | -€4,682 | -€4,261 | -€1,170 | €4,837 | €5,591 | ▲ 15.6% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | -€6,682 | -€6,261 | -€3,170 | €2,837 | €3,591 | ▲ 26.6% |
| Amounts payable17/49 | €8,126 | €10,732 | €31,871 | €26,772 | €19,994 | ▼ 25.3% |
| Amounts payable after more than one year17 | - | - | - | €16,220 | €11,749 | ▼ 27.6% |
| Financial debts170/4 | - | - | - | €16,220 | €11,749 | ▼ 27.6% |
| Amounts payable within one year42/48 | €8,126 | €10,732 | €31,871 | €10,553 | €8,245 | ▼ 21.9% |
| Trade debts44 | €1,121 | €3,367 | €26,594 | €7,198 | €5,146 | ▼ 28.5% |
| Suppliers440/4 | €1,121 | €3,367 | €26,594 | €7,198 | €5,146 | ▼ 28.5% |
| Advances received on contracts in progress46 | - | - | - | €779 | - | - |
| Taxes, remuneration and social security45 | €7,004 | €2,427 | €864 | €2,576 | €2,140 | ▼ 16.9% |
| Taxes450/3 | €504 | €2,427 | €864 | €2,576 | €2,140 | ▼ 16.9% |
| Remuneration and social security454/9 | €6,500 | - | - | - | - | - |
| Other amounts payable47/48 | - | €4,938 | €4,413 | - | €958 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,456 | €421 | €3,091 | €6,007 | €754 | ▼ 87.4% |
| + Depreciation and write-downs630 | - | - | €589 | €7,068 | €7,068 | = |
| Operating cash flow (approximation) | -€2,456 | €421 | €3,681 | €13,075 | €7,822 | ▼ 40.2% |
| Investment in fixed assets (approximation) | - | - | - | €0 | €0 | - |
| Change in cash | - | -€1,422 | -€1,226 | €12,666 | -€12,386 | ▼ 198% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2020net €6,007 ▲94.3%
Operating result €6,054, net result €6,007, both a record.
31-12
Financial
Liquidity times 5current ratio 1.71
Current ratio from 0.32 to 1.71; short-term debt falls from €31,871 to €10,553.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Back to profitnet €421
Net result €421 after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Sint-Niklaas · 1 establishment unit since 2020
Ground area
4,061 m²
Building footprint
3,907 m²
Volume, LiDAR
57,249 m³
Parcel 46443E0592/00D000, Flanders · tallest building 29.9 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Smart Services
since 20202.300.983.124
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46443E0592/00D000 | Flanders | 4,061 m² | 1 · 3,907 m² | 29.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,119 companies in sector 46500 we hold annual accounts for 1,403. 317 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
46500Wholesale of information and communication equipment
95100Repair and maintenance of computers and communication equipment
E-invoicing
Reachable via Peppol
Peppol ID
0208:0740933906
Also
9925:BE0740933906
Registered
17-02-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.