SMARTEC
ActiveSummary
The computed 12-month bankruptcy probability of SMARTEC is 4.7% (elevated). The 2025 annual accounts show equity of €2,980 and a net result of -€20. Its solvency ranks better than 95% of 13,576 sector peers (NACE 46, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
2025 annual accounts filed late (67 days) Filed on 6 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00547936.
2024 to 2025, 2 financial years
2025 is the only financial year with figures: the net result is a loss of €20.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 46, Wholesale trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Equity, Total assets.
Peer companies
Historical observationOf the 2,146 companies that looked in July 2024 the way this one looks now, 2.2% went bankrupt within 24 months and 91.6% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a small loss
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 4.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,472 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% | 1.0% |
| 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 2,146 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 | 2024 | 2025 | Change |
|---|---|---|---|
| Financial charges65/66B | - | €20 | - |
| Recurring financial charges65 | - | €20 | - |
| Profit (loss) for the period before taxes9903 | - | -€20 | - |
| Profit (loss) for the period9904 | - | -€20 | - |
| Profit (loss) for the period to be appropriated9905 | - | -€20 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €3,000 | €3,000 | = |
| Current assets29/58 | €3,000 | €3,000 | = |
| Amounts receivable within one year40/41 | €3,000 | €3,000 | = |
| Other amounts receivable41 | €3,000 | €3,000 | = |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €3,000 | €3,000 | = |
| Equity10/15 | €3,000 | €2,980 | ▼ 0.7% |
| Contributions10/11 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | - | -€20 | - |
| Amounts payable17/49 | - | €20 | - |
| Amounts payable within one year42/48 | - | €20 | - |
| Other amounts payable47/48 | - | €20 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | - | -€20 | - |
| Operating cash flow (approximation) | - | -€20 | - |
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 (2)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 06-10-2026 | 2026-00547936 |
| 31-12-2024 | micro format | 30-09-2025 | 2025-00513575 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.