SMART TOUCH
ActiveSummary
The computed 12-month bankruptcy probability of SMART TOUCH is 1.7% (moderate). The 2024 annual accounts show equity of €4k and a net result of €-3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 24% of 6717 sector peers (fiscal year 2024). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability35▼-65
Solvency36▼-15
Growth68▼-17
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.06 against 1.35 in 2023; short-term debt: 54.5% and cash: 7.6% of total assets), and 88.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
11.4%
Return on assets
-8.2%
Age of the figures
21 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 6717 sector peers (2024).
NBB · sector comparisonPosition among 6717 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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
not confirmed
2024
60 d late
2023
26 d late
2022
70 d late
2021
31 d early
2020
30 d late
2019
180 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€237k▲ 20.2%
2020 · €197k
2018: €29k
2019: €78k
2020: €197k
2018 → 2021
EBIT margin
10.3%▲ 32.4pp
2020 · -22.1%
2018: 26.0%
2019: -3.1%
2020: -22.1%
2018 → 2021
Net result
€-3k
2023 · €9k
2018: €5k
2019: €-3k
2020: €-44k
2021: €28k
2022: €19k
2023: €9k
2018 → 2024
Working capital
€1k▼ 84.0%
2023 · €7k
2018: €-10k
2019: €-6k
2020: €-50k
2021: €-22k
2022: €7k
2023: €7k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€197k-€237k▲ 20.2%
Equity€-50k-€-22k▲ 56.1%€-3k▲ 87.5%€7k€4k▼ 41.7%
Operating result€-44k-€24k€19k▼ 22.0%€14k▼ 29.0%€-1k
Net result€-44k-€28k€19k▼ 31.6%€9k▼ 51.1%€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €1k after €14k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €34k
Fixed assets
€14k
Current assets
€19k
Equity and liabilities €34k
Equity
€4k ▼ 41.7%
Debt
€30k ▲ 60.4%
Debt's share of the balance-sheet total rises from 73.8% to 88.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€3k
Cash flow
€2k
Current ratio
1.06▼
2023 · 1.35
Debt to equity
7.77▲
2023 · 2.82
ROE
-71.6%▼
2023 · 141.5%
ROA
-8.2%▼
2023 · 37.0%
Interest coverage
3.14
Debt ≤ 1 year
€18k▼
2023 · €19k
Debt > 1 year
€7k
Income taxes
€566▼
2023 · €4k
Staff costs
€41k▼
2023 · €69k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 43 lines
Balance sheet
Code20232024
Assets
Total assets20/58€25k€34k▲
Fixed assets21/28-€14k
Tangible fixed assets22/27-€14k
Furniture and vehicles24-€14k
Leasing and similar rights25-€0
Current assets29/58€25k€19k▼
Amounts receivable within one year40/41€16k€16k▼
Trade receivables40€3k€14k▲
Other amounts receivable41€13k€2k▼
Cash at bank and in hand54/58€8k€3k▼
Deferred charges and accrued income490/1€860€1k▲
Equity and liabilities
Total equity and liabilities10/49€25k€34k▲
Equity10/15€7k€4k▼
Contributions10/11€14k€14k=
Profit (loss) carried forward14€-7k€-10k▼
Amounts payable17/49€19k€30k▲
Amounts payable after more than one year17-€7k
Financial debts170/4-€7k
Amounts payable within one year42/48€19k€18k▼
Current portion of amounts payable after more than one year42-€6k
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€15k€10k▼
Taxes450/3€9k€5k▼
Remuneration and social security454/9€6k€6k▼
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€0€5k▲
Income statement
Code20232024
Remuneration, social security and pensions62€69k€41k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€4k
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8-€2k
Gross operating margin9900€83k€46k▼
Operating profit (loss)9901€14k€-1k▼
Financial income75/76B€8€254▲
Recurring financial income75€8€254▲
Financial charges65/66B€122€958▲
Recurring financial charges65€122€958▲
Profit (loss) for the period before taxes9903€13k€-2k▼
Income taxes67/77€4k€566▼
Profit (loss) for the period9904€9k€-3k▼
Profit (loss) for the period to be appropriated9905€9k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-10k▼
Profit (loss) brought forward from the previous period14P€-16k€-7k▲
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
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €28k
Net result €28k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
27-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 180 days late
2020
31-12
Financial
Weakest financial yearnet €-44k
Net result drops to €-44k, the lowest in the series; recovery starts the following year.
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
07-06
NBB filing
Annual accounts filed
fiscal year 2015 · full 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, Wavre · 1 establishment unit since 2002
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.
Avenue Zénobe Gramme 101300 WavreGround area
2,367 m²
Building footprint
515 m²
Volume, LiDAR
3,550 m³
Parcel 25112B0049/00B000, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SMART TOUCH
since 20022.114.041.853
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25112B0049/00B000 | Wallonia | 2,367 m² | 1 · 515 m² | 7.8 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.
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NEXT ONE JOYS
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EYE
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DKD INVEST
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Of 12,604 companies in sector 49410 we hold annual accounts for 8,202. 2,333 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-05-2002
Fiscal year end31-12
Activities, NACEBEL 2025
49410Freight transport by road
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:rb@smart-touchs.eu
Phone:0499/744959