SMARTCO

Active

Private limited companyfounded 2013active for 12 yearsHofstraat 2, 2460 Kasterlee, BelgiumKBO/BCE: BE 0542.720.839

Summary

SMARTCO has been active since 2013 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €153,787 and a net result of €55,312. Equity is growing by about 6.2% per year across the filed financial years. Its solvency ranks better than 86% of 21,120 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow Report Compare

SMARTCOActiveChecked score 98/100

Risk analysis Report Compare

Activity

Other information technology and computer services

NACE 62900

1 site

Size

≈ €170,000turnover 2025, estimated

Equity: €153,787
Profit: €55,312

Turnover estimated from the gross margin

Financial health

98 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: < 0.1%

Structure

De Loose,Carl Richard PhilomenaDirector

2025 accounts 59 days early1 of 6 deeds summarised

Why 98lowers riskLiquidity: current ratio 8.16, cash €148,947Equity €153,787 (88.6% of total assets)Sector: Computer programming, consultancy and related activities (NACE 62)Size: total assets €173,548Show the evidence

Checked score

Score 2025

98 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 85% of its sector peers (NACE 62, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 100+20

equity 88.6% of total assets

Liquidity 99+21

short-term debt 11.4% · cash 85.8%

Profitability 100=

return on assets 31.9%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,901 companies, NACE 62, micro)

Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025highest value 08-2025: < 0.1%● unchanged vs 07-2025highest value 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026lowest value 08-2026: < 0.1%● unchanged vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value

Credit of up to €15,000 on 30-day terms is acceptable

Liquidity ample (current ratio 8.16, compared with 1.95 in 2024, above the usual 1.5; short-term debt: 11.4% and cash: 85.8% of total assets), and 11.4% 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 62, micro): better than 85% on solvency, 91% on liquidity, 82% on profitability and 81% on growth.

The bankruptcy probability was computed on 30-10-2026 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 riskneutral

Liquidity: current ratio 8.16, cash €148,947

NBB · annual accounts

Equity €153,787 (88.6% of total assets)

NBB · annual accounts

Sector: Computer programming, consultancy and related activities (NACE 62)

KBO

Size: total assets €173,548

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-06-2026, 59 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

59 days early

2024

58 days early

2023

54 days early

2022

53 days early

2021

58 days early

2020

54 days early

2019

57 days 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 56 days before the deadline; the sector median (NACE 62) for financial year 2024 is 9 days before the deadline, and 33% of those companies filed late.

Searched, nothing found (2)

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 3 June (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

31-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

02-06-2026 Annual accounts filedfinancial year 2025 · micro…
31-12-2025 Liquidity more than quadruplescurrent ratio 8.16
31-12-2025 Equity above €150,000equity €153,787 ▲56.2%

Key points

Positive: Among the best 14% on solvencysector median 60.0% · 21,120 companies 88.6% View
Positive: Equity rose in 2025from €98,475 to €153,787 ▲ 56.2% View
Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
Positive: 8 profitable years in a rowprofit 2025: €55,312 8 years View

By topic

Financials

Financial year: 2025
Total assets: €173,548
Profit: €55,312
Solvency: 88.6%

Total assets▼ 3.5%

Net result

20182025

Go to Financials

Board & ownership

Board: 1 member

De Loose,Carl Richard PhilomenaDirector

Go to Board & ownership

Timeline

Events: 22
Since: 2015
Next accounts: by 31-07-2027

03-06-2025Annual accounts filed
31-12-2024Highest result from 2018 to 2025
07-06-2024Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Other information technology and computer servicesNACE 62900
Founded: 02-12-2013
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 5

Annual meeting: First Monday of June at 17:00

Go to Articles of association

Key facts about SMARTCO

What is the company number of SMARTCO?: 0542.720.839. In Belgium the VAT number is the company number with BE in front: BE 0542.720.839.
Where is SMARTCO based?: The registered office is at Hofstraat 2, 2460 Kasterlee.Company details
What does SMARTCO do?: According to the KBO register, the main activity is other information technology and computer services (NACE 62900).
What is the legal form of SMARTCO?: Private limited company (BV).
When was SMARTCO founded?: On 02-12-2013.
Is SMARTCO still active?: Yes, SMARTCO is an active enterprise in the KBO register.
What is the turnover of SMARTCO?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is SMARTCO profitable?: In financial year 2025, SMARTCO made a profit of €55,312.
Where can I find the annual accounts of SMARTCO?: SMARTCO filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of SMARTCO due?: By 31-07-2027, for financial year 2026.Timeline