Smarthy
ActiveSummary
Smarthy has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13,360 and a net result of €10,860. Its solvency ranks better than 38% of 15,653 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
- Equity
- €13,360
- Profit
- €10,860
Why 95raises riskFounded in 2025lowers riskSector: Legal and accounting activities (NACE 69)Liquidity: current ratio 1.74, cash €12,485Figures for financial year 2025 (filed 22-07-2026)Show the evidence
Checked score
Fewer than 1 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 (NACE 69, micro): better than 41% on solvency, 60% on liquidity and 82% on profitability.
The bankruptcy probability was computed on 20-10-2026 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
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointment: NOWÉ Marthe Rita Jan…
Financials · financial year 2025, micro format
Turnover and EBIT margin not published: the micro format does not require them.
Peer companies
Historical observationOf the 11,280 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 96.6% are still going.
- Micro
- under 2 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
For this company itself Checked computes a bankruptcy probability of < 0.1% 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 497,473 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 11,280 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 | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €171 |
| Other operating charges640/8 | €462 |
| Gross operating margin9900 | €16,151 |
| Operating profit (loss)9901 | €15,519 |
| Financial income75/76B | €136 |
| Recurring financial income75 | €136 |
| Financial charges65/66B | €596 |
| Recurring financial charges65 | €596 |
| Profit (loss) for the period before taxes9903 | €15,059 |
| Income taxes67/77 | €4,199 |
| Profit (loss) for the period9904 | €10,860 |
| Profit (loss) for the period to be appropriated9905 | €10,860 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €30,352 | |
| Fixed assets21/28 | €768 | |
| Tangible fixed assets22/27 | €768 | |
| Plant, machinery and equipment23 | €768 | |
| Current assets29/58 | €29,584 | |
| Amounts receivable within one year40/41 | €14,020 | |
| Trade receivables40 | €5,500 | |
| Other amounts receivable41 | €8,520 | |
| Cash at bank and in hand54/58 | €12,485 | |
| Deferred charges and accrued income490/1 | €3,079 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €30,352 | |
| Equity10/15 | €13,360 | |
| Contributions10/11 | €2,500 | |
| Profit (loss) carried forward14 | €10,860 | |
| Amounts payable17/49 | €16,992 | |
| Amounts payable within one year42/48 | €16,992 | |
| Trade debts44 | €9,983 | |
| Suppliers440/4 | €9,983 | |
| Taxes, remuneration and social security45 | €7,009 | |
| Taxes450/3 | €7,009 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €10,860 |
| + Depreciation and write-downs630 | €171 |
| Operating cash flow (approximation) | €11,031 |
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 (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 22-07-2026 | 2026-00324719 |
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
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
18-06
Gazette deed
IncorporationAppointment: NOWÉ Marthe Rita Jan (gewone bestuurder) · Founder · Share issue10 facts ▸
- Founder, NOWÉ Marthe Rita Jan
- Share issue, 100, “inbrengen” (deed in Dutch)
- Other provision, “statutair onbeschikbaar eigen vermogen” (deed in Dutch)
- Founding capital, €2,500
- Bank account, 2500, EUR
- Registered office clause, “2018 Antwerpen,Van Putlei 37 bus 101” (deed in Dutch)
- Other provision, “deontologische goedkeuring statuten, bevestigd” (deed in Dutch)
- Director appointment, NOWÉ Marthe Rita Jan (gewone bestuurder)
- Other provision, “geen bestuursverbod bestuurder, oprichter” (deed in Dutch)
- Other provision, “verklaring enige aandeelhouder, artikel 2:8 §4 Wetboek van vennootschappen en verenigingen” (deed in Dutch)
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 21 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 |
|---|---|---|---|---|
| 11810K1902/00K008 | Flanders | 1,457 m² | 1 · 772 m² | 21.3 m · 6 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Het uitoefenen van het beroep van advocaat door een persoon ingeschreven op het tableau van de Orde van Advocaten van Antwerpen,op de lijst…” (deed in Dutch)
4 activities (deed in Dutch)
- Het uitoefenen van het beroep van advocaat door een persoon ingeschreven op het tableau van de Orde van Advocaten van Antwerpen,op de lijst van de stagiairs,op de EU-lijst of op de B-lijst voor zover van toepassing,hetzij alleen,hetzij met anderen met wie zij zich mag associëren overeenkomstig de bepalingen van de Codex Deontologie voor Advocaten en de eigen reglementen van de Orde van Advocaten te Antwerpen en alle andere activiteiten die verenigbaar zijn met het beroep van advocaat,voor zover toegelaten door de deontologische beginselen,de Codex Deontologie voor Advocaten en de reglementen van de Orden van Advocaten waarvan de aandeelhouder-bestuurder deel van uitmaakt
- De vennootschap kan deelnemen in associaties of vennootschappen die hetzelfde voorwerp nastreven
- Alle roerende,onroerende of financiële handelingen verrichten die rechtstreeks of onrechtstreeks in verband staan met haar voorwerp of die kunnen bijdragen tot de ontwikkeling ervan,hetzij alleen,hetzij met anderen,rechtstreeks of onrechtstreeks,voor haar rekening of voor rekening van derden
- Haar geldmiddelen beleggen in roerende of onroerende goederen,met uitsluiting van iedere activiteit die onverenigbaar is met het beroep van advocaat
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- Smarthy
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- The sole director
- Board ruleHow the board is made up, meets and takes decisions.
- “Periode te bepalen door de algemene vergadering, 1” (deed in Dutch)
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “In de statuten opgelegde regelingen gelden” (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 May at 15:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Regels die voor de wijziging van de statuten zijn gesteld, algemene vergadering” (deed in Dutch)“Vormen vereist voor statutenwijziging, besluit algemene vergadering” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- One provision in the deed