SmartColiving
ActiveSummary
SmartColiving has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50,883 and a net result of -€6,052. Equity remains stable across the filed financial years (±1.7% per year). The computed 12-month bankruptcy probability is 0.5% (very low).
Overview
- Equity
- €50,883
- Loss
- -€6,052
Why 80raises risk1 change of registered office in 24 monthsLiquidity: current ratio 1.25, cash €23,431lowers riskSize: total assets €2.8mFigures for financial year 2025 (filed 31-08-2026)Show the evidence
Checked score
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 (no NACE code, small): better than 14% on solvency, 58% on liquidity, 45% on profitability and 17% on growth.
The bankruptcy probability was computed on 24-10-2026 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).
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Signals
This company filed its last 7 accounts on average 51 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Registered officeRegistered-office move · Power of…
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, micro format
2025 annual accounts filed late (31 days) Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00486563.
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
The operating result falls in 2025; 2025 is 38% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Use the arrow keys on the chart for the figures per year.
Peer companies
Historical observationOf the 819 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 94.7% are still going.
- Small
- 5 to 10 years old
- solvency under 10%
- a small loss
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,474 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 819 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €31,275 | €42,764 | €60,478 | €103,725 | €120,162 | €120,441 | €119,959 | ▼ 0.4% |
| Other operating charges640/8 | - | - | €4,472 | €12,238 | €10,105 | €12,148 | €12,475 | ▲ 2.7% |
| Gross operating margin9900 | €55,750 | €99,951 | €144,559 | €166,975 | €197,192 | €226,092 | €190,837 | ▼ 15.6% |
| Operating profit (loss)9901 | €21,680 | €53,939 | €79,609 | €51,011 | €66,925 | €93,503 | €58,403 | ▼ 37.5% |
| Financial income75/76B | - | - | €1,945 | €6,252 | €3,877 | €384 | €771 | ▲ 101% |
| Recurring financial income75 | €0 | - | €1,945 | €6,252 | €3,877 | €384 | €771 | ▲ 101% |
| Financial charges65/66B | - | - | €72,066 | €88,677 | €71,666 | €67,120 | €65,227 | ▼ 2.8% |
| Recurring financial charges65 | €21,229 | €48,356 | €72,066 | €88,677 | €71,666 | €67,120 | €65,227 | ▼ 2.8% |
| Profit (loss) for the period before taxes9903 | €451 | €5,584 | €9,488 | -€31,414 | -€864 | €26,768 | -€6,052 | - |
| Income taxes67/77 | €91 | €688 | €2,297 | - | - | - | - | - |
| Profit (loss) for the period9904 | €360 | €4,896 | €7,190 | -€31,414 | -€864 | €26,768 | -€6,052 | - |
| Profit (loss) for the period to be appropriated9905 | €360 | €4,896 | €7,190 | -€31,414 | -€864 | €26,768 | -€6,052 | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €0.9m | €2.8m | €3.5m | €3.4m | €3.0m | €2.9m | €2.8m | ▼ 3.8% |
| Fixed assets21/28 | €0.8m | €1.5m | €1.6m | €3.0m | €2.9m | €2.8m | €2.6m | ▼ 4.3% |
| Intangible fixed assets21 | - | €0.008m | €0.01m | €0.01m | €0.007m | €0.004m | €0.001m | ▼ 80.7% |
| Tangible fixed assets22/27 | €0.8m | €1.5m | €1.6m | €3.0m | €2.9m | €2.8m | €2.6m | ▼ 4.2% |
| Land and buildings22 | - | - | €1.6m | €3.0m | €2.9m | €2.8m | €2.6m | ▼ 4.2% |
| Other tangible fixed assets26 | - | - | - | €0.005m | €0.004m | €0.003m | €0.001m | ▼ 50.0% |
| Current assets29/58 | €0.09m | €1.3m | €2.0m | €0.4m | €0.1m | €0.2m | €0.2m | ▲ 5.6% |
| Amounts receivable after more than one year29 | - | - | €0.3m | €0.3m | - | - | - | - |
| Other amounts receivable291 | - | - | €0.3m | €0.3m | - | - | - | - |
| Stocks and contracts in progress3 | - | €1.2m | €1.5m | - | - | - | - | - |
| Stocks30/36 | - | - | €1.5m | - | - | - | - | - |
| Amounts receivable within one year40/41 | €0.03m | €0.04m | €0.07m | - | €0.06m | €0.1m | €0.1m | ▲ 28.8% |
| Trade receivables40 | - | - | €0.07m | - | €0.001m | - | - | - |
| Other amounts receivable41 | - | - | - | - | €0.06m | €0.1m | €0.1m | ▲ 28.8% |
| Cash at bank and in hand54/58 | €0.02m | €0.07m | €0.04m | €0.07m | €0.04m | €0.05m | €0.02m | ▼ 48.8% |
| Deferred charges and accrued income490/1 | - | - | €0.001m | €0.001m | €0.001m | €0.002m | €0.002m | ▲ 25.7% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €0.9m | €2.8m | €3.5m | €3.4m | €3.0m | €2.9m | €2.8m | ▼ 3.8% |
| Equity10/15 | €0.05m | €0.06m | €0.06m | €0.03m | €0.03m | €0.06m | €0.05m | ▼ 10.6% |
| Contributions10/11 | €0.05m | - | €0.05m | €0.05m | €0.05m | €0.05m | €0.05m | = |
| Reserves13 | €18 | €18 | €18 | €18 | €18 | - | - | - |
| Non-distributable reserves130/1 | - | - | €18 | €18 | €18 | - | - | - |
| Reserves not available under the articles1311 | - | - | €18 | €18 | €18 | - | - | - |
| Profit (loss) carried forward14 | €342 | €0.005m | €0.01m | -€0.02m | -€0.02m | €0.007m | €0.001m | ▼ 87.5% |
| Amounts payable17/49 | €0.9m | €2.7m | €3.5m | €3.4m | €2.9m | €2.9m | €2.8m | ▼ 3.7% |
| Amounts payable after more than one year17 | €0.8m | €2.7m | €3.3m | €3.2m | €2.8m | €2.7m | €2.6m | ▼ 4.3% |
| Financial debts170/4 | - | - | €3.3m | €3.2m | €2.8m | €2.7m | €2.6m | ▼ 4.9% |
| Other amounts payable178/9 | - | - | €0.01m | €0.002m | €105 | €0.01m | €0.03m | ▲ 164% |
| Amounts payable within one year42/48 | €0.04m | €0.04m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | ▲ 4.8% |
| Current portion of amounts payable after more than one year42 | - | - | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | ▲ 2.1% |
| Trade debts44 | €0.001m | €0.005m | €0.03m | €0.004m | €0.004m | €0.004m | €0.008m | ▲ 86.2% |
| Suppliers440/4 | - | - | €0.03m | €0.004m | €0.004m | €0.004m | €0.008m | ▲ 86.2% |
| Taxes, remuneration and social security45 | - | - | €0.002m | €0.002m | - | - | - | - |
| Taxes450/3 | - | - | €0.002m | €0.002m | - | - | - | - |
| Other amounts payable47/48 | - | - | €0.001m | €0.001m | - | - | - | - |
| Accrued charges and deferred income492/3 | - | - | €0.002m | €0.003m | €0.004m | €0.002m | €0.008m | ▲ 308% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €360 | €0.005m | €0.007m | -€0.03m | -€0.001m | €0.03m | -€0.006m | - |
| + Depreciation and write-downs630 | €0.03m | €0.04m | €0.06m | €0.1m | €0.1m | €0.1m | €0.1m | ▼ 0.4% |
| Operating cash flow (approximation) | €0.03m | €0.05m | €0.07m | €0.07m | €0.1m | €0.1m | €0.1m | ▼ 22.6% |
| Investment in fixed assets (approximation) | - | -€0.7m | -€0.2m | -€1.5m | €0 | -€0.005m | €0 | - |
| Change in cash | - | €0.05m | -€0.03m | €0.03m | -€0.03m | €0.008m | -€0.02m | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (7)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00486563 |
| 31-12-2024 | micro format | 31-07-2025 | 2025-00366171 |
| 31-12-2023 | micro format | 29-08-2024 | 2024-00437872 |
| 31-12-2022 | micro format | 07-10-2023 | 2023-00482791 |
| 31-12-2021 | micro format | 26-01-2023 | 2023-00010219 |
| 31-12-2020 | micro format | 28-09-2021 | 2021-68700339 |
| 31-12-2019 | micro format | 22-07-2020 | 2020-32700444 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Yigal Abend |
|
Owners and capital
Capital and shareholders
- 30-08-2024 Converted to unavailable equity
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
01-04
Gazette deed
Registered officeRegistered-office move · Power of attorney4 facts ▸
- Board meeting, 12-03-2026
- Registered-office move, Rue de l'Hôtel des Monnaies 136 - 1060 Saint-Gilles
- Power of attorney, Serge Solau
- Power of attorney
30-08
Gazette deed
Resignation: ABEND Yigal (manager)Reappointment: ABEND Yigal (sole director) · Amendment of the articles · Capital conversion7 facts ▸
- Director resignation, ABEND Yigal (manager)
- Director reappointment, ABEND Yigal (sole director)
- General meeting, “assemblée générale extraordinaire des actionnaires, unanimité des voix” (deed in French)
- Amendment of the articles (2 times)
- Capital conversion, “compte de capitaux propres statutairement indisponible” (deed in French)
- Reserve release, “formes et majorités de la modification des statuts, suppression du compte de capitaux propres statutairement indisponible créé en application de l'article 39, §…” (deed in French)
- Capital
About the unread acts
Of the 4 Belgian Official Gazette deeds we know for this company, 2 have been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 24 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21013B0304/00S009 | Brussels | 212 m² | 1 · 213 m² | 20.8 m · 4 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Toutes activités immobilières et de gestion de patrimoine et notamment toutes opérations impliquant l’intervention au titre d’agent à la…” (deed in French)
12 activities (deed in French)
- Toutes activités immobilières et de gestion de patrimoine et notamment toutes opérations impliquant l’intervention au titre d’agent à la location et/ou la vente, l’acquisition, la vente, la location ou la prise à bail de tous biens de nature immobilière ou mobilière
- La gestion, dans le sens le plus large du terme, amélioration, mise en valeur et administration du patrimoine immobilier ou mobilier dont la société est propriétaire ou dont elle fera ultérieurement l’acquisition par toute voie
- Acquérir, par voie d’achat, d’apport, de construction ou d’échange, tous biens immobiliers, bâtis ou non bâtis, les lotir, les céder, les donner en location (meublée ou non), les aménager, les rénover et les transformer
- Procéder à l’acquisition par voie d’achat, de souscription ou de toute autre manière, ainsi qu’à l’aliénation par vente, échange ou de tout autre manière, de toutes valeurs, mobilières ou droits sociaux, belges ou étrangers ; elle pourra également gérer, l’administrer et mettre en valeur son portefeuille
- La gestion et l’administration au sens large de toute société ou entreprise, belge ou étrangère ainsi que l’exercice de mandats ou fonctions dans ces sociétés ou entreprises
- L’exploitation d’hôtels, d’hébergements touristiques et assimilés au sens le plus large du terme, la restauration et toutes activités du secteur HORECA dans le sens le plus large
- L’exploitation de tous services relatifs au secrétariat, la location de véhicules avec ou sans chauffeur, la publicité, l’organisation de réceptions, de séminaires et/ou voyages (par exemple, événements gastronomiques, culturels, touristiques, et/ou réunions professionnelles, activités de vente et/ou fêtes, mariage, sans que cette énumération soit limitative)
- Fournir des conseils, exécuter des services, directement ou indirectement, sur le plan de l’administration, des techniques d’organisation, des développements commerciaux et plus généralement de la gestion en général et de l’exercice de toutes activités de service et de management, de conseils techniques et d’organisation ou autres dans tout domaine rentrant dans son objet
- Affermer ou donner à bail ses installations et exploitations ou les donner à gérer à des tiers, en tout ou en partie
- De logiciels, bases de données, sites internet, plateformes publicitaires, concepts, marketing, brevets, services en ligne (notamment la création, la mise en place et le développement de réseaux), service de consultance et d’une manière générale toutes activités liées à ces domaines
- De produits et de services ainsi que de concepts marketing visant à améliorer la distribution et l’utilisation de produits et services liés aux activités de la société
- Toutes opérations se rapportant au tourisme et au divertissement en général, tant comme organisateur que comme intermédiaire et toutes opérations se rapportant directement ou indirectement à cette branche
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- SmartColiving
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région de Bruxelles-Capitale, ARTICLE 2” (deed in French)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- One provision in the deed
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- One provision in the deed
- Share issue ruleHow and by whom new shares can be issued.
- “Pas de suppression ou limitation du droit de préférence lorsque chaque actionnaire renonce à son droit lors de la décision d'émission…” (deed in French)
- Authorised capitalThe amount by which the board may raise capital without a new shareholder decision.
- “Jour fixé par la loi comme point de départ, peut conférer à l'organe d'administration le pouvoir d'émettre des actions nouvelles, des…” (deed in French)
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Respect des conditions prévues à l’article 2:80 du Code des sociétés et des associations, dissolution et clôture de la liquidation en un…” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Administrateurs en exercice ou à défaut un ou plusieurs liquidateurs nommés par l'assemblée générale” (deed in French)