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Smartelia Finance

Active
Private limited companyfounded 2022active for 4 yearsPlace des Martyrs 8, 1440 Braine-le-Château, BelgiumKBO/BCE: BE 0792.795.747
Summary

Smartelia Finance has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4,106 and a net result of €2,579. Equity is growing by about 123% per year across the filed financial years. Its solvency ranks better than 8% of 15,714 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow ReportCompare
Smartelia FinanceActiveChecked score 92/100
Risk analysis ReportCompare

Overview

Activity
Certified accountants and tax accountants
NACE 69201
1 site
Size
≈ €19,000turnover 2025, estimated
Equity
€4,106
Profit
€2,579
Turnover estimated from the gross margin
Financial health
92 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Structure
Parent
ARCA FIDUCIAIRE · 97%
2025 accounts 16 days early2 of 3 deeds summarised
Why 92raises riskEquity €4,106 (3.7% of total assets)lowers riskSector: Legal and accounting activities (NACE 69)Liquidity: current ratio 1.04, cash €65,559Size: total assets €111,472Show the evidence

Checked score

Score 2025
92 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 35% of its sector peers (NACE 69, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 29+2
equity 3.7% of total assets
Liquidity 50=
short-term debt 96.3% · cash 58.8%
Profitability 43+2
return on assets 2.3%
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% (20,063 companies, NACE 69, 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: 0.2%▲ +0.1 percentage points vs 05-2025highest value 07-2025: 0.1%▼ -0.1 percentage points vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 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%▼ -0.1 percentage points vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: 0.1%▲ +0.1 percentage points 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 06-2026 08-2026: < 0.1%▼ -0.1 percentage points vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026lowest value
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 69, micro): better than 9% on solvency, 27% on liquidity, 9% on profitability and 94% 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

Six signals.
lowers riskraises riskneutral
lowers risk · Sector: Legal and accounting activities (NACE 69)
KBO
lowers risk · Liquidity: current ratio 1.04, cash €65,559
NBB · annual accounts
lowers risk · Size: total assets €111,472
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Equity €4,106 (3.7% of total assets)
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 15714 sector peers (2025).
NBB · sector comparison
Position among 15714 sector peers
Solvency
better than 8%
← weakest strongest →
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 15-07-2026, 16 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
16 days early
2024
34 days early
2023
50 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average on the deadline day; the sector median (NACE 69) for financial year 2024 is 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · 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 15 July (3 of the last 3 filed years within 67 days of that day).
Companies Code · seven months
Where today falls in the filing period
28-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2022.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Highest result from 2023 to 2025net €2,579 ▲120%
  3. Appointments: DELELIENNE Bertrand (director) and SIMO…Gazette deed

Key points

  • Caution: Among the weakest 8% on solvencysector median 56.9% · 15,714 companies 3.7% View
  • Controlled by ARCA FIDUCIAIRE 97% View
  • Board2 directors in office 2 View

By topic

Financials

Financial year
2025
Total assets
€111,472
Profit
€2,579
Solvency
3.7%
Total assets▲ 41.8%
Net result
20232025
Go to Financials

Board & ownership

Board
2 members
Parent
ARCA FIDUCIAIRE · 97%
  • DELELIENNE BertrandDirector
  • SIMO NOULALA HervetDirector
Go to Board & ownership

Timeline

Events
7
Since
2023
Next accounts
by 31-07-2027
  1. 27-06-2025Annual accounts filed
  2. 31-12-2024Back to profit
  3. 19-09-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Certified accountants and tax accountantsNACE 69201
Founded
24-10-2022
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Key facts about Smartelia Finance

What is the company number of Smartelia Finance?
0792.795.747. In Belgium the VAT number is the company number with BE in front: BE 0792.795.747.
Where is Smartelia Finance based?
The registered office is at Place des Martyrs 8, 1440 Braine-le-Château.Company details
What does Smartelia Finance do?
According to the KBO register, the main activity is certified accountants and tax accountants (NACE 69201).
What is the legal form of Smartelia Finance?
Private limited company (BV).
When was Smartelia Finance founded?
On 24-10-2022.
Is Smartelia Finance still active?
Yes, Smartelia Finance is an active enterprise in the KBO register.
What is the turnover of Smartelia Finance?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is Smartelia Finance profitable?
In financial year 2025, Smartelia Finance made a profit of €2,579.
Where can I find the annual accounts of Smartelia Finance?
Smartelia Finance filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Smartelia Finance due?
By 31-07-2027, for financial year 2026.Timeline

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