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 13,646 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.
Overview
- Equity
- €2,980
- Loss
- -€20
Why 40raises riskLast filed accounts filed 67 days late; 2 of the last 3 lateFounded in 2023Liquidity: current ratio 150.001 change of registered office in 24 monthsShow the evidence
Checked score
About 5 in 100 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 (NACE 46, micro): better than 90% on solvency, 98% on liquidity, 29% on profitability and 38% on growth.
The bankruptcy probability was computed on 27-10-2026 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 2 accounts on average 64 days after the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Registered office · Resignations & appointmentsRegistered-office move
- Annual accounts filedfinancial year 2024 · micro…
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 2,145 companies that looked in July 2024 the way this one looks now, 2.2% went bankrupt within 24 months and 91.7% 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 497,445 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 2,145 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.
Directors
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| THOMAS Marine Fabienne C. |
|
| MNIKCHELI Sana |
|
| THOMAS Marine Fabienne |
|
Owners and capital
Capital and shareholders
- THOMAS Marine Fabienne 100 shares · 100%
- MNIKCHELI Sana 100 shares · 100%
- THOMAS Marine Fabienne to MNIKCHELI Sana 100 shares
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
Group and network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
16-12
Gazette deed
Registered office · Resignations & appointmentsRegistered-office move2 facts ▸
- General meeting, 08-12-2025
- Registered-office move, Excelsiorlaan 71 1930 Zaventem
25-06
Gazette deed
Appointment: MNIKCHELI Sana (director)Resignation: THOMAS Marine Fabienne (director) · Registered office clause · Shareholding9 facts ▸
- Registered office clause, “Stationslaan 26 - 3700 Tongeren-Borgloon” (deed in Dutch)
- General meeting, 03-06-2025
- Shareholding, 03-06-2025, 100
- Director appointment, MNIKCHELI Sana (director)
- Share transfer, THOMAS Marine Fabienne → MNIKCHELI Sana
- Shareholding, 0, 0
- Shareholding, 100, 100
- Director resignation, THOMAS Marine Fabienne (director)
- Director discharge, THOMAS Marine Fabienne
11-01
Gazette deed
Registered officeRegistered-office move2 facts ▸
- General meeting, 16-12-2023
- Registered-office move, 26, bus 1, Stationslaan, 3700 Tongeren
11-01
Gazette deed
IncorporationAppointment: THOMAS Marine Fabienne C. (director) · Founder · Founding capital9 facts ▸
- Incorporation, “SMARTEC” (deed in Dutch)
- Founder, THOMAS Marine Fabienne C. (comparant)
- Founding capital, €3,000
- Capital
- Registered office clause, “9600 Ronse,Hoogstraat 29/0001” (deed in Dutch)
- Other provision, “in opmaak, website en e-mailadres” (deed in Dutch)
- Board rule, 1, “vergadering” (deed in Dutch)
- Director appointment, THOMAS Marine Fabienne C. (director (not named in the articles))
- Pre-incorporation commitments, “takeover, alle verbintenissen en verplichtingen en alle activiteiten in naam en voor rekening van vennootschap in oprichting door comparanten” (deed in Dutch)
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 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
2 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 23094D0036/00W000 | Flanders | 5,436 m² | 1 · 1,487 m² | 12.6 m · 3 |
| 45423E0310/00D000 | Flanders | 436 m² | 1 · 110 m² | 11.4 m · 3 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Aan–verkoop van Gsm,telefonieartikelen in het algemeen; Verkoop en aankoop,import en export,van textiel,en kledij voor heren,dames en…” (deed in Dutch)
26 activities (deed in Dutch)
- Aan–verkoop van Gsm,telefonieartikelen in het algemeen.
- Verkoop en aankoop,import en export,van textiel,en kledij voor heren,dames en kinderen,alsook schoenen,lederartikelen en reisartikelen.
- Verkoop en aankoop,import en export van juwelen,fantasiejuwelen en accessoria allerhande.
- Kuisen in de meest ruime zin van het woord,vensters,bureau,zowel privé als professioneel,express koerier,kapsalon,bloemenzaak,night shop;
- Import en export in de ruime zin van het woord alsook het uitbaten van een groothandelszaak.
- Alle voedingswaren zoals vlees,fruit,groenten,conserven,melkproducten,producten van de zee,vishandel,beenhouwerij,huishoudartikelen,cadeauartikelen,kruiden,specerijen,videotheekartikelen,verhuur van ontspanning artikelen,films en aanverwante artikelen,alle artikelen van textiel in het algemeen,diverse kleding,schoenen,schoenenmaker,slotenmaker,lederwaren in de breedste zin,
- Alle artikelen van parfumerie,toiletartikelen,cosmetica,schoonheidsartikelen,make-up,alsook zepen en detergenten;
- Alle bouwmaterialen,elektrisch en elektronisch materieel,materieel voor loodgieterij;
- Alle producten van handambacht,behangproducten,alsook artikelen van de Derde Wereld;
- Alle artikelen voor de tuin,bloemen,planten,tuinartikelen,inrichting en onderhoud van tuinen;
- Boeken,antiquiteiten,brokante,decoratie voorwerpen,machines industrielles;
- Alle elektrische huishoudtoestellen,films,magnetische banden,cassettes,alle gedrukte artikelen of geregistreerde artikelen,en de artikelen die er de lezing,visie of auditie van toelaten;
- Bijstand in programmatie,informaticacursussen,bijstand voor hardware en software,raadgeving en bijstand inzake informatica,alle bureelmateriaal en materiaal van informatica.
- Algemene bouwbedrijven(schilderen,verbouwing,herstellingen,metsen,dakwerk,elektriciteitswerken);
- Atelier voor de fabricatie van producten voor broodbakkerij,banketbakkerij en bakkerij en van alle food en non-food producten
- Snackbar,brasseries,hôtels,tavernes,theesalons,cafés,cabarets,discothèques,buffetten,vestiaires ouverts,verhuring van plaatsen,organisatiezalen,zalen voor banket en traiteurdienst;
- Besteldienst,cybercafé,Internetcentrum,faxdiensten,telefonische cellen,fotokopiedienst,video,laboratorium voor de ontwikkeling van foto's,draaiatelier,rectificatie van mechanische stukken;
- Atelier voor confectie van kleren voor heren,dames en kinderen;
- Houthandel;
- Taxidiensten,expresdiensten,Carwash,station service(voor brandstof zoals mazout,diesel,gas),carrosseriebouw,plaatijzerindustrie,garage met herstelatelier en groot-en kleinhandel in nieuwe voertuigen en occasies,afbraakatelier,onderhoud en takeldienst evenals de aankoop,verkoop,import,export en/of detailverkoop van nieuwe auto-onderdelen en tweedehandsauto-onderdelen,alle soorten voertuigen,en alle bijhorigheden voor auto's;voertuigen zowel nieuw als tweedehands.
- Kapsalon;wassalons
- Bijstand aan algemene bouwondernemingen.
- Stedenbouwkundige werken,het ontwerpen van gebouwen,
- Verfwerken,metselwerken,werktuigkunde,elektriciteit,dakwerken;bouwmaterialen,elektrisch en elektronisch materiaal,materiaal voor sanitair en loodgieterij.
- Diensten en prestaties ten voordele van privé of commercieel cliënteel kunnen verrichten,zijnde reinigen van ruiten,vensters en burelen,kantoordiensten,interim-diensten,onderaanneming;
- Alle algemene handelingen kunnen uitvoeren die direct of indirect verband houden met de handel,de productie,de verhuur,de aankoop,verkoop in groot of kleinhandel,vertegenwoordiging,distributie,diensten,verpakkingen,makelaardij,import en export,voor eigen rekening of voor rekening van een derde,internationaal transport van goederen en van personen,voor eigen rekening en voor rekening van een derde.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- SMARTEC
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, kan,bij enkel besluit van het bestuursorgaan,administratieve zetels,agentschappen,werkhuizen,stapelplaatsen en bijkantoren…” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- “Één of meer bestuurders, onbepaalde duur bij gebrek aan bepaling” (deed in Dutch)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Op naam, register van aandelen op naam” (deed in Dutch)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Helft overdrager en helft koper(s) naar evenredigheid verworven aantal aandelen, nietigheid” (deed in Dutch)
- Share issue ruleHow and by whom new shares can be issued.
- “E-mail, naar evenredigheid van aantal aandelen in bezit” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Last Friday of June at 19:00
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Algemene vergadering, vormen vereist voor statutenwijziging” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- One provision in the deed