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SMARTI

Active
Private limited companyfounded 20241 yr activeAvenue Charles Deliège(BIN) 41, 7130 Binche, BelgiumKBO/BCE: BE 1016.170.317
Summary

The computed 12-month bankruptcy probability of SMARTI is 2.8% (moderate). The 2025 annual accounts show negative equity (-€2,560) and a net result of -€4,560. Its solvency ranks better than 19% of 18606 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability7
Solvency17
Growth-
Track record67
Bankruptcy probability, 12 months
2.8% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.82; short-term debt: 107.6% and cash: 6.7% of total assets), and equity is negative.
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Signals

Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
-7.6%
Return on assets
-13.5%
Age of the figures
9 mo
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Multiple establishment units
Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.
KBO · establishment units
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
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 29-07-2026, 2 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
2 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

SMARTI was incorporated on 13 November 2024 as a Private limited company.1 The registered office was moved to Binche in 2026.2 The company has filed annual accounts once, for fiscal year 2025.3

  1. 1Crossroads Bank for Enterprises
  2. 2Belgian State Gazette, 31-08-2026
  3. 3National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Turnover
€459,958
EBIT margin
-0.6%
Net result
-€4,560
Working capital
-€6,581

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €33,711
Fixed assets €4,021
Current assets €29,690
Key figures and ratios
2025 value
EBITDA
-€1,770
Cash flow
-€3,631
Solvency
-7.6%
Current ratio
0.82
Quick ratio
0.65
Debt to equity
-14.17
ROA
-13.5%
Interest coverage
-0.94
Debt
€36,271
Debt ≤ 1 year
€36,271
Staff costs
€28,127

Peer companies

Historical observation

Of the 1,322 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 90% are still going.

  • Micro
  • under 2 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
3.6% went bankrupt
5.5% stopped otherwise
90% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 2.8% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 1,322 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.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 36 lines
Balance sheet Code2025
Assets
Total assets20/58€33,711
Fixed assets21/28€4,021
Tangible fixed assets22/27€4,021
Furniture and vehicles24€4,021
Current assets29/58€29,690
Stocks and contracts in progress3€6,023
Stocks30/36€6,023
Amounts receivable within one year40/41€21,418
Trade receivables40€21,418
Cash at bank and in hand54/58€2,249
Equity and liabilities
Total equity and liabilities10/49€33,711
Equity10/15-€2,560
Contributions10/11€2,000
Profit (loss) carried forward14-€4,560
Amounts payable17/49€36,271
Amounts payable within one year42/48€36,271
Trade debts44€25,022
Suppliers440/4€25,022
Taxes, remuneration and social security45€11,249
Taxes450/3€2,623
Remuneration and social security454/9€8,626
Income statement Code2025
Turnover70€459,958
Goods, raw materials, services and sundry goods60/61€434,764
Remuneration, social security and pensions62€28,127
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€929
Other operating charges640/8€654
Gross operating margin9900€27,011
Operating profit (loss)9901-€2,699
Financial income75/76B€22
Recurring financial income75€22
Financial charges65/66B€1,883
Recurring financial charges65€1,883
Profit (loss) for the period before taxes9903-€4,560
Profit (loss) for the period9904-€4,560
Profit (loss) for the period to be appropriated9905-€4,560
Appropriation of the result
Profit (loss) to be appropriated9906-€4,560

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Turnover70€459,958
Goods, raw materials, services and sundry goods60/61€434,764
Remuneration, social security and pensions62€28,127
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€929
Other operating charges640/8€654
Gross operating margin9900€27,011
Operating profit (loss)9901-€2,699
Financial income75/76B€22
Recurring financial income75€22
Financial charges65/66B€1,883
Recurring financial charges65€1,883
Profit (loss) for the period before taxes9903-€4,560
Profit (loss) for the period9904-€4,560
Profit (loss) for the period to be appropriated9905-€4,560
Line2025
Assets
Total assets20/58€33,711
Fixed assets21/28€4,021
Tangible fixed assets22/27€4,021
Furniture and vehicles24€4,021
Current assets29/58€29,690
Stocks and contracts in progress3€6,023
Stocks30/36€6,023
Amounts receivable within one year40/41€21,418
Trade receivables40€21,418
Cash at bank and in hand54/58€2,249
Equity and liabilities
Total equity and liabilities10/49€33,711
Equity10/15-€2,560
Contributions10/11€2,000
Profit (loss) carried forward14-€4,560
Amounts payable17/49€36,271
Amounts payable within one year42/48€36,271
Trade debts44€25,022
Suppliers440/4€25,022
Taxes, remuneration and social security45€11,249
Taxes450/3€2,623
Remuneration and social security454/9€8,626
Line2025
Profit (loss) for the period9904-€4,560
+ Depreciation and write-downs630€929
Operating cash flow (approximation)-€3,631

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
31-08
State Gazette act Registered office
Registered-office move2 facts ▸
  • General meeting, 23-07-2026
  • Registered-office move, Avenue Charles Deliège(BIN) 41, 7130 Binche
29-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
State Gazette actNBB filing
1 of 2 acts read
About the unread acts

Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Binche · 2 establishment units since 2025
seat establishment All 2 establishment units on the map
Ground area
293 m²
Building footprint
108 m²
Volume, LiDAR
1,398 m³
2 parcels, Wallonia · tallest building 15.5 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Mian Shop
Avenue Charles Deliège(BIN) 41, 7130 BincheNon-specialised retail sale with food, beverages or tobacco predominating
since 20252.371.132.435
Mini Market
Avenue Charles Deliège(BIN) 68, 7130 BincheNon-specialised retail sale with food, beverages or tobacco predominating
since 20252.373.811.714
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
56011B0821/00K000 Wallonia 163 m² 1 · 58 m² 15.5 m · 4 fl.
56011B0868/00B000 Wallonia 129 m² 1 · 50 m² 14.2 m · 4 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Food safety, FASFC

2 sites
Binche2.371.132.435
1 permission
Toelating · Detailhandel · since 19-03-2025
Binche2.373.811.714
1 permission
Toelating · Detailhandel · since 23-05-2025

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 10,510 companies in sector 47110 we hold annual accounts for 5,853. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded13-11-2024
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
E-invoicing
Reachable via Peppol
Peppol ID 0208:1016170317
Also 9925:BE1016170317
Registered 02-05-2025

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.