SMARTCO
ActiveSMARTCO has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €154k and a net result of €55k. Equity is growing by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 86% of 16935 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+4
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 8.16 against 1.95 in 2024), and 11.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
88.6%
Return on assets
31.9%
Age of the figures
8 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
neutral · 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 filingsDeviation from the deadline
2025
59 d early
2024
58 d early
2023
54 d early
2022
53 d early
2021
58 d early
2020
54 d early
2019
57 d early
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€154k▲ 56.2%
2024 · €98k
2018: €75k
2019: €123k
2020: €119k
2021: €67k
2022: €101k
2023: €159k
2024: €98k
2018 → 2025
Total assets
€174k▼ 3.5%
2024 · €180k
2018: €219k
2019: €127k
2020: €178k
2021: €171k
2022: €108k
2023: €162k
2024: €180k
2018 → 2025
Net result
€55k▼ 27.7%
2024 · €77k
2018: €56k
2019: €48k
2020: €46k
2021: €39k
2022: €34k
2023: €58k
2024: €77k
2018 → 2025
Working capital
€141k▲ 84.0%
2024 · €77k
2018: €74k
2019: €118k
2020: €113k
2021: €31k
2022: €72k
2023: €136k
2024: €77k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€67k-€101k▲ 50.6%€159k▲ 57.0%€98k▼ 38.1%€154k▲ 56.2%
Operating result€47k-€49k▲ 4.1%€71k▲ 45.7%€86k▲ 20.9%€77k▼ 10.6%
Net result€39k-€34k▼ 12.5%€58k▲ 69.6%€77k▲ 32.4%€55k▼ 27.7%
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 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €174k
Fixed assets
€12k▼ 42.7%
Current assets
€161k▲ 1.9%
Equity and liabilities €174k
Equity
€154k▲ 56.2%
Debt
€20k▼ 75.7%
The debt ratio falls from 45.2% to 11.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€86k▼
2024 · €94k
Cash flow
€65k▼
2024 · €84k
Solvency
88.6%▲
2024 · 54.8%
Current ratio
8.16▲
2024 · 1.95
Quick ratio
8.16▲
2024 · 1.95
Debt / equity
0.13▼
2024 · 0.83
ROE
36.0%▼
2024 · 77.7%
ROA
31.9%▼
2024 · 42.6%
Interest coverage
426.01▲
2024 · 414.02
Debt
€20k▼
2024 · €81k
Debt ≤ 1 year
€20k▼
2024 · €81k
Income taxes
€22k▲
2024 · €18k
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€180k€174k▼
Fixed assets21/28€22k€12k▼
Tangible fixed assets22/27€22k€12k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€20k€11k▼
Current assets29/58€158k€161k▲
Amounts receivable within one year40/41€15k€11k▼
Trade receivables40€12k€11k▼
Other amounts receivable41€3k€314▼
Current investments50/53€42k€100▼
Cash at bank and in hand54/58€100k€149k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€180k€174k▼
Equity10/15€98k€154k▲
Contributions10/11€19k€19k=
Reserves13€80k€135k▲
Distributable reserves133€80k€135k▲
Amounts payable17/49€81k€20k▼
Amounts payable within one year42/48€81k€20k▼
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€11k€6k▼
Taxes450/3€11k€6k▼
Other amounts payable47/48€68k€13k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€505€520▲
Non-recurring operating charges66A€637€1k▲
Gross operating margin9900€95k€88k▼
Operating profit (loss)9901€86k€77k▼
Financial income75/76B€8k€427▼
Recurring financial income75€8k€17▼
Non-recurring financial income76B-€410
Financial charges65/66B€227€202▼
Recurring financial charges65€227€202▼
Profit (loss) for the period before taxes9903€94k€77k▼
Income taxes67/77€18k€22k▲
Profit (loss) for the period9904€77k€55k▼
Profit (loss) for the period to be appropriated9905€77k€55k▼
Appropriation of the result
Profit (loss) to be appropriated9906€77k€55k▼
Transfer from equity791/2€61k-
Transfer to equity691/2-€55k
To other reserves6921-€55k
Profit to be distributed694/7€137k-
Return on contributions (dividend)694€137k-
The notes to these accounts (4 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity quadruplescurrent ratio 8.16
Current ratio from 1.95 to 8.16; short-term debt falls from €81k to €20k.
31-12
Financial
Equity above €150kEq €154k ▲56.2%
8 profitable years in a row build equity to €154k.
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €77k ▲32.4%
Operating result €86k, net result €77k, both a record.
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 48.06
Current ratio from 12.25 to 48.06; short-term debt falls from €6k to €3k.
31-12
Financial
Equity above €150kEq €159k ▲57%
6 profitable years in a row build equity to €159k.
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €34k ▼12.5%
Net result drops to €34k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 9current ratio 12.25
Current ratio from 1.30 to 12.25; short-term debt falls from €104k to €6k.
31-12
Financial
Equity above €100kEq €101k ▲50.6%
5 profitable years in a row build equity to €101k.
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity times 19current ratio 28.69
Current ratio from 1.51 to 28.69; short-term debt falls from €145k to €4k.
31-12
Financial
Equity above €100kEq €123k ▲64.8%
2 profitable years in a row build equity to €123k.
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Kasterlee · 1 establishment unit since 2013
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.
Hofstraat 22460 KasterleeGround area
512 m²
Building footprint
133 m²
Volume, LiDAR
890 m³
Parcel 13017G0142/00R000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SMARTCO
since 20132.224.807.242
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13017G0142/00R000 | Flanders | 512 m² | 1 · 133 m² | 9.6 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.
Similar companies · same sector, comparable size
VALCKE
BE 0422.771.827
Kortrijk · Eq €154k
TerraNovita
BE 0871.002.788
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Euro Système
BE 0884.499.448
Brussel · Eq €154k
KMONET
BE 0432.182.015
Brussel · Eq €153k
ELISEC
BE 0792.315.301
Lochristi · Eq €153k
Of 3,203 companies in sector 62900 we hold annual accounts for 1,735. 1,375 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-2013
Fiscal year end31-12
Activities, NACEBEL
62900Other information technology and computer services
62020IT consultancy
62200Computer consultancy and computer facilities management
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.