SMARTBIZZ PROJECTS
ActiveSMARTBIZZ PROJECTS has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24k and a net result of €41k. Equity is growing by ~42.2% per year across the filed fiscal years. Its solvency ranks better than 30% of 6956 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
86
/ 100
Excellent▲ +21 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency51▲+36
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.37 against 1.02 in 2024), and 72.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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
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
27.7%
Return on assets
47.7%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
19 d early
2023
on the day
2022
26 d late
2021
24 d late
2020
4 d early
2019
140 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€24k▲ 810%
2024 · €3k
2018: €-89k
2019: €-164k
2020: €-147k
2021: €-96k
2022: €-57k
2023: €8k
2024: €3k
2018 → 2025
Total assets
€86k▲ 53.8%
2024 · €56k
2018: €116k
2019: €3k
2020: €15k
2021: €9k
2022: €21k
2023: €55k
2024: €56k
2018 → 2025
Net result
€41k▲ 225%
2024 · €13k
2018: €-97k
2019: €-75k
2020: €16k
2021: €51k
2022: €40k
2023: €64k
2024: €13k
2018 → 2025
Working capital
€23k▲ 2,196%
2024 · €1k
2018: €-57k
2019: €-162k
2020: €-144k
2021: €-67k
2022: €-38k
2023: €13k
2024: €1k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-96k-€-57k▲ 41.4%€8k€3k▼ 66.7%€24k▲ 810%
Operating result€54k-€47k▼ 13.0%€75k▲ 58.9%€19k▼ 74.5%€53k▲ 177%
Net result€51k-€40k▼ 21.7%€64k▲ 61.5%€13k▼ 80.3%€41k▲ 225%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 177% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €86k
Fixed assets
€677▼ 58.2%
Current assets
€86k▲ 57.1%
Equity and liabilities €86k
Equity
€24k▲ 810%
Debt
€63k▲ 16.7%
The debt ratio falls from 95.3% to 72.3%: equity grows faster than debt.
Key figures and ratios
EBITDA
€54k▲
2024 · €20k
Cash flow
€42k▲
2024 · €14k
Solvency
27.7%▲
2024 · 4.7%
Current ratio
1.37▲
2024 · 1.02
Quick ratio
1.37▲
2024 · 1.02
Debt / equity
2.61▼
2024 · 20.38
ROE
172.6%▼
2024 · 483.7%
ROA
47.7%▲
2024 · 22.6%
Interest coverage
58.48▲
2024 · 15.71
Debt
€63k▲
2024 · €54k
Debt ≤ 1 year
€63k▲
2024 · €54k
Income taxes
€11k▲
2024 · €5k
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€56k€86k▲
Fixed assets21/28€2k€677▼
Tangible fixed assets22/27€2k€662▼
Furniture and vehicles24€2k€662▼
Financial fixed assets28€15€15=
Current assets29/58€55k€86k▲
Amounts receivable after more than one year29€40k€40k=
Other amounts receivable291€40k€40k=
Amounts receivable within one year40/41€14k€44k▲
Trade receivables40€13k€303▼
Other amounts receivable41€1k€43k▲
Cash at bank and in hand54/58€131€2k▲
Equity and liabilities
Total equity and liabilities10/49€56k€86k▲
Equity10/15€3k€24k▲
Contributions10/11€10k€10k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133-€2k
Profit (loss) carried forward14€-9k€12k▲
Amounts payable17/49€54k€63k▲
Amounts payable within one year42/48€54k€63k▲
Current portion of amounts payable after more than one year42€6k-
Trade debts44€17k€12k▼
Suppliers440/4€17k€12k▼
Advances received on contracts in progress46€17k€24k▲
Taxes, remuneration and social security45€14k€27k▲
Taxes450/3€14k€27k▲
Other amounts payable47/48€25-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€886€941▲
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€7k-
Gross operating margin9900€28k€55k▲
Operating profit (loss)9901€19k€53k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€1k€921▼
Recurring financial charges65€1k€921▼
Profit (loss) for the period before taxes9903€18k€52k▲
Income taxes67/77€5k€11k▲
Profit (loss) for the period9904€13k€41k▲
Profit (loss) for the period to be appropriated9905€13k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€32k▲
Profit (loss) brought forward from the previous period14P€-4k€-9k▼
Profit to be distributed694/7€18k€20k▲
Directors or managers695€18k€20k▲
The notes to these accounts (5 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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2018net €64k ▲61.5%
Operating result €75k, net result €64k, both a record.
30-09
Financial
Liquidity quadruplescurrent ratio 1.33
Current ratio from 0.35 to 1.33; short-term debt falls from €59k to €40k.
26-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2022
24-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
26-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €16k
Net result €16k after 2 loss-making years.
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 140 days late
2019
20-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-03
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
1 director, no change since 2023
DE WIT Mike
CurrentDirector · since 05-12-2023
05-12-2023
Resigned as Manager
05-12-2023
Appointed as Director
Location & real-estate footprint
Registered office, Zemst · 1 establishment unit since 2008
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.
Kerkhoflei 91981 ZemstGround area
546 m²
Building footprint
312 m²
Volume, LiDAR
1,772 m³
2 parcels, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stationslaan 69, 1980 Zemst
since 20082.171.958.870
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23096B0505/00L000 | Flanders | 349 m² | 1 · 180 m² | 7.9 m · 2 fl. |
| 23034A0278/00K003 | Flanders | 197 m² | 1 · 133 m² | 6.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 13,391 companies in sector 73300 we hold annual accounts for 6,881. 4,928 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-04-2008
Fiscal year end30-09
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
69109Other legal services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.