Turnover
≈ €180,000 estimated
The micro format states no turnover.
SMART TECH SOLUTION
Overview
Lifetime
1 annual account with figurespeak €24,169 (2025)
€24,169
peak €16,801 (2025)
€16,801
peak €26,801 (2025)
€26,801
€24,767
Board1 name since 2025
1 directorEL MAITE Abdelaziz
Documentsfilings and deeds
27-08-202627 days late
2025micro format
Incorporation 09-041 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsStarting capital
€10,000 100 shares
2025 accounts filed 27 days after the deadline
Checked score
54
Fair
Financially stronger than 62% of micro companies in civil engineering (NACE 42)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.2% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.8% across 1,866 companies (NACE 42, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
05-2026: 1.9%lowest value
06-2026: 1.9%● unchanged vs 05-2026
07-2026: 1.9%● unchanged vs 06-2026
08-2026: 2.4%▲ +0.5 percentage points vs 07-2026highest value
09-2026: 2.0%▼ -0.4 percentage points vs 08-2026
10-2026: 2.2%▲ +0.2 percentage points vs 09-2026
11-2026: 2.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2025
Size: total assets €51,568
Last filed accounts filed 27 days late
lowers risk
Equity €26,801 (52.0% of total assets)
Calculation
The band follows from the bankruptcy probability. 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 42, micro). It does better than 58% of them on solvency, 36% on liquidity and 91% on profitability.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 11,279 companies had the same profile as SMART TECH SOLUTION has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
The bankruptcy probability of SMART TECH SOLUTION itself is higher: 2.2% within 12 months. It rests on far more data about SMART TECH SOLUTION than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 11,279 companies, not a prediction for SMART TECH SOLUTION. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.41, below the usual 1.5. Short-term debt is 32.5% and cash 5.1% of total assets. 48% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 27 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 1 filingDeviation from the deadline
2025
27 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1022061482
Incorporation
Founding capital of €10,000, 100 shares · Founder: EL MAITE Abdelaziz (comparant) · Appointment: EL MAITE Abdelaziz (director) · published on 09-04-2025 · Gazette deed
First establishment
Antoine Dansaertstraat 100, Brussels
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SMART TECH SOLUTION Brussels | €51,568 | €24,169 | 52.0% | - |
| CH SERVICE Heusden-Zolder | €48,533 | €24,387 | 50.2% | - |
| A.Hak België Oostkamp | €55,058 | €21,447 | -3.3% | 1 |
| EA-Fieldservices Lier | €45,405 | €30,127 | 49.3% | - |
| SIONTECH Aartselaar | €61,622 | €30,268 | 31.3% | - |
| ZR FAST Molenbeek-Saint-Jean | €59,569 | €32,199 | 59.5% | - |
| MKN GROUP Etterbeek | €31,710 | €22,098 | 56.0% | - |
These companies have the same main activity as SMART TECH SOLUTION: construction of utility projects for electricity and telecommunications (NACE 42220). They are comparable in size and age: total assets between €31,700 and €61,600, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 07-04-2025Normal situation
- Activity
- Construction of utility projects for electricity and telecommunicationsNACE 42220and 5 others
- Establishment unit
- 2.372.675.5271000 Brussels, since 07-04-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 05-01-2026
Insights on SMART TECH SOLUTION
The computed 12-month bankruptcy probability of SMART TECH SOLUTION is 2.2% (moderate). The 2025 annual accounts show equity of €26,801 and a net result of €16,801.
Its solvency ranks better than 58% of 1,263 sector peers (NACE 42, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 27-08-2026, 27 days late€24,169
€21,308
€16,801
€6,905
52.0%
1.41
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €180,000. Estimated: probably between €84,000 and €440,000.
Balance sheet
balance sheet total €51,568 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
52.0%
Higher than 58% of 1,263 companies in 2025.
1.41
Higher than 40% of 1,222 companies in 2025.
32.6%
Higher than 85% of 1,227 companies in 2025.
SMART TECH SOLUTION
Middle half of the sector
80% of the sector
Micro accounts in civil engineering (NACE 42)
Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
Staff
€2,911
Staff costs divided by the average number of full-time equivalents.
level
people who joined
people who left
In 2025, 1 person joined and 1 left.
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
51,568 | |
21/28 |
27,925 | |
22/27 |
27,925 | |
23 |
2,791 | |
25 |
25,133 | |
29/58 |
23,644 | |
40/41 |
20,997 | |
40 |
9,882 | |
41 |
11,115 | |
54/58 |
2,647 | |
| Balance sheet: equity and liabilities | ||
10/49 |
51,568 | |
10/15 |
26,801 | |
10/11 |
10,000 | |
14 |
16,801 | |
17/49 |
24,767 | |
17 |
8,028 | |
170/4 |
8,028 | |
42/48 |
16,739 | |
42 |
9,792 | |
44 |
2,585 | |
440/4 |
2,585 | |
45 |
4,362 | |
450/3 |
4,246 | |
454/9 |
116 | |
| Income statement | ||
9900 |
24,169 | |
62 |
291 | |
630 |
2,539 | |
640/8 |
30 | |
9901 |
21,308 | |
65/66B |
261 | |
65 |
261 | |
9903 |
21,047 | |
67/77 |
4,246 | |
9904 |
16,801 | |
9905 |
16,801 | |
| Appropriation of the result | ||
9906 |
16,801 | |
| Social balance sheet | ||
9087 |
0.1 | |
Hours worked1013 |
16 | |
| Document | ||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 27-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 27 days after the deadline. Filed on 27 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00432887.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 27-08-2026 | 2026-00432887 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 23,848 | ||
| 19,341 | ||
| 30,464 | ||
| 6,905 | ||
| 52.0% | ||
| 1.41 | ||
| 0.92 | ||
| 62.7% | ||
| 32.6% | ||
| 91.39 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Social balance sheet
| Item | 31-12-2025 |
|---|---|
| 0.1 | |
| Joined | 1 |
| Left | 1 |
Source: social balance sheet in the 2025 annual accounts
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €30,464 |
| €2,539 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on SMART TECH SOLUTION
Debt's share of the balance-sheet total is 48.0%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 09-04-2025
term without a fixed end
listed in the 2025 annual accounts, filed on 27-08-2026
Mandates through the years
1 name, the dashed line is todayEL MAITE Abdelaziz
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- EL MAITE Abdelaziz
- Director (not named in the articles), appointed by deed of 09-04-2025, still in office
Control
Capital
- Contribution
- €10,000
- Shares
- 100
- Contribution per share
- €100
- Equity per share
- €268 in 2025
- Source
- deed of 09-04-2025
Articles of association
deed of 09-04-2025 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 18:00
Shareholders
At incorporation
deed of 09-04-2025 ↗
- EL MAITE Abdelaziz 100 shares (100%) · €10,000 in cash
Network & group
No group
SMART TECH SOLUTION has no parent and no holdings in its annual accounts. EL MAITE Abdelaziz is the only director. SMART TECH SOLUTION shares no director with another company.
At the same address
Antoine Dansaertstraat 100, 1000 Brussels · 1 other company| ELAYA MODE
registered office since 13-07-2026 |
founded in 2026 1040.251.655 |
Timeline
Timeline
4 events since 2025Filings
Establishments
20252026
2026
Annual accounts 2025 filed NBBmicro format · 27 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:1022061482
2025
IncorporationFounding capital of €10,000, 100 shares · Founder: EL MAITE Abdelaziz (comparant) · Appointment: EL MAITE Abdelaziz (director) · published on 09-04-20255 points ▸
- Founder, EL MAITE Abdelaziz (comparant)
- Founding capital, €10,000, 100 shares
- Registered office clause, rue Antoine Dansaert 100, 1000 Bruxelles
- Board rule, 1
- Director appointment, EL MAITE Abdelaziz (director (not named in the articles))
- The deed holds 4 more points.
First establishment Antoine Dansaertstraat 100, Brussels
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1022.061.482
- VAT number
- BE 1022.061.482
- Peppol ID
- 0208:1022061482
- Other Peppol ID
- 9925:BE1022061482
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 07-04-2025
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 18:00deed of 09-04-2025 (in French)
- Peppol
- Reachable since 05-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- SMART TECH SOLUTION in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 09-04-2025 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Région de Bruxelles-Capitale”deed of 09-04-2025 (in French)
Activities
NACEBEL 2025VAT activities
42220
Construction of utility projects for electricity and telecommunications main activity
Social security (RSZ) activities
43211
General electrical installation work main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Construction de réseau de télécommunication; Installation de systèmes de télécommunication et installations informatiques; Chauffagiste…”deed of 09-04-2025 (in French)
7 activities
- Construction de réseau de télécommunication
- Installation de systèmes de télécommunication et installations informatiques.
- Chauffagiste
- Bâtiment générale
- Plomberie et électricité.
- Commerce en ligne.
- Horeca.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Antoine Dansaertstraat 100 registered office 1000 Brussels | 07-04-2025 | 2.372.675.527 |
Buildings and parcels at the address
- Ground area
- 281 m²
- Buildings
- 226 m²
- Volume, LiDAR
- 4,503 m³
- Tallest building
- 25.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21811M0652/02E002 | 281 m² | 1 · 226 m² | 25.6 m · 8 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1022.061.482