SmarTIC
ActiveFrom the official registers: KBO 7 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
SmarTIC has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3,000 and a net result of €69,277. Equity has been shrinking by about 18% per year since 2019. Its solvency ranks better than 10% of 21,130 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
KBO- Status
- Active since 16-08-2019 Normal situation
- Activity
- Computer consultancy and computer facilities management NACE 62200and 1 other
- Establishment unit
- 2.292.541.847 5310 Eghezée, since 16-08-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 20-11-2020
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
- Gross margin
- €98,362
- ▲ 8.3%
- Turnover
- ≈ €190,000
- estimated
- Profit
- €69,277
- ▲ 11.9%
- Equity
- €3,000
- =
- Total assets
- €107,794
- ▲ 4.7%
Score breakdownraises riskEquity €3,000 (2.8% of total assets)lowers riskSector: Computer programming, consultancy and related activities (NACE 62)Liquidity: current ratio 1.01, cash €88,700Size: total assets €107,794Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 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 62, micro). It does better than 11% of them on solvency, 27% on liquidity, 82% on profitability and 41% on growth.
The bankruptcy probability was computed on 31-10-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 22 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 27 days after the deadline Filed on 27 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00449513.
Annual accounts 2025 filed on 27-08-2026 at the NBB all 7 filings
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
The operating result for 2025 is 8% higher than in 2024 and the highest since 2021. It is the third rise in a row, after the fall in 2022.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Computer programming, consultancy and related activities (NACE 62). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Comparable companies
These companies have the same main activity as SmarTIC: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €97,800 and €117,000, founded between 2019 and 2020.
| Company | Founded | Total assets | Equity | Gross margin | Net result | Financial year |
|---|---|---|---|---|---|---|
| SmarTIC Eghezée | 2019 | €107,794 | €3,000 | €98,362 | €69,277 | 2025 |
| TEN SQUARE Leopoldsburg | 2019 | €104,612 | €15,090 | €101,618 | €75,676 | 2025 |
| YPconsilium Diepenbeek | 2019 | €104,894 | -€326,128 | €94,627 | -€47,476 | 2025 |
| Makram Cyber Security Consulting Vorst | 2020 | €108,013 | €81,825 | €93,231 | €70,854 | 2025 |
| YSIMAC Villers-le-Bouillet | 2020 | €116,917 | €5,600 | €98,534 | €69,749 | 2025 |
| DENOX Gent | 2019 | €97,799 | €27,637 | €96,549 | €74,494 | 2025 |
| TIGER CONSULT Antwerpen | 2019 | €106,168 | €2,254 | €107,167 | €72,168 | 2025 |
They were chosen from the 18,969 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 2,153 companies had the same profile as SmarTIC has now. Two years later, 1.7% had gone bankrupt and 96.1% were still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
The bankruptcy probability of SmarTIC itself is lower: 0.1% within 12 months. It rests on far more data about SmarTIC than the profile alone.
Test of the method
The method was tested on the 497,445 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,153 companies, not a prediction for SmarTIC. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €544 | €2,163 | €2,548 | €2,026 | €2,187 | €2,749 | ▲ 25.7% |
| Other operating charges640/8 | - | - | €287 | €943 | €952 | €989 | €1,023 | ▲ 3.4% |
| Gross operating margin9900 | €8,274 | €64,388 | €70,587 | €67,069 | €81,761 | €90,824 | €98,362 | ▲ 8.3% |
| Operating profit (loss)9901 | €8,274 | €63,755 | €68,138 | €63,578 | €78,783 | €87,648 | €94,589 | ▲ 7.9% |
| Financial income75/76B | - | - | €0 | €62 | €49 | €0 | €0 | ▲ 300% |
| Recurring financial income75 | - | €182 | €0 | €62 | €49 | €0 | €0 | ▲ 300% |
| Financial charges65/66B | - | - | €1,973 | €2,113 | €1,686 | €1,423 | €1,208 | ▼ 15.1% |
| Recurring financial charges65 | €185 | €771 | €1,973 | €2,113 | €1,686 | €1,423 | €1,208 | ▼ 15.1% |
| Profit (loss) for the period before taxes9903 | €8,089 | €63,166 | €66,165 | €61,528 | €77,146 | €86,225 | €93,382 | ▲ 8.3% |
| Income taxes67/77 | €1,961 | €13,399 | €13,603 | €10,546 | €19,873 | €24,304 | €24,104 | ▼ 0.8% |
| Profit (loss) for the period9904 | €6,129 | €49,767 | €52,562 | €50,982 | €57,273 | €61,920 | €69,277 | ▲ 11.9% |
| Profit (loss) for the period to be appropriated9905 | €6,129 | €49,767 | €52,562 | €50,982 | €57,273 | €61,920 | €69,277 | ▲ 11.9% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €24,037 | €83,463 | €143,485 | €177,180 | €83,453 | €102,914 | €107,794 | ▲ 4.7% |
| Fixed assets21/28 | - | €1,643 | €8,612 | €6,064 | €4,038 | €3,025 | €2,051 | ▼ 32.2% |
| Tangible fixed assets22/27 | - | €1,643 | €8,612 | €6,064 | €4,038 | €3,025 | €2,051 | ▼ 32.2% |
| Furniture and vehicles24 | - | - | €921 | €199 | - | €813 | €1,666 | ▲ 105% |
| Leasing and similar rights25 | - | - | €7,691 | €5,865 | €4,038 | €2,212 | €385 | ▼ 82.6% |
| Current assets29/58 | €24,037 | €81,820 | €134,873 | €171,116 | €79,415 | €99,889 | €105,742 | ▲ 5.9% |
| Amounts receivable within one year40/41 | €10,441 | €11,965 | €12,729 | €18,289 | €15,833 | €9,539 | €16,082 | ▲ 68.6% |
| Trade receivables40 | - | - | €12,719 | €13,083 | €12,378 | €9,534 | €15,682 | ▲ 64.5% |
| Other amounts receivable41 | - | - | €9 | €5,205 | €3,454 | €5 | €401 | ▲ 80× |
| Cash at bank and in hand54/58 | €12,324 | €68,383 | €121,746 | €152,336 | €62,282 | €89,066 | €88,700 | ▼ 0.4% |
| Deferred charges and accrued income490/1 | - | - | €398 | €492 | €1,301 | €1,284 | €960 | ▼ 25.2% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €24,037 | €83,463 | €143,485 | €177,180 | €83,453 | €102,914 | €107,794 | ▲ 4.7% |
| Equity10/15 | €8,329 | €57,295 | €109,057 | €159,239 | €3,012 | €3,000 | €3,000 | = |
| Contributions10/11 | - | - | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €5,329 | €54,295 | €106,057 | €156,239 | €12 | - | - | - |
| Amounts payable17/49 | €15,709 | €26,168 | €34,428 | €17,941 | €80,441 | €99,914 | €104,794 | ▲ 4.9% |
| Amounts payable within one year42/48 | €13,709 | €26,168 | €34,281 | €17,941 | €80,441 | €99,914 | €104,794 | ▲ 4.9% |
| Trade debts44 | €2,307 | - | €304 | €1,576 | €2,729 | €561 | €2,755 | ▲ 391% |
| Suppliers440/4 | - | - | €304 | €1,576 | €2,729 | €561 | €2,755 | ▲ 391% |
| Taxes, remuneration and social security45 | - | - | €29,551 | €15,565 | €12,634 | €13,388 | €8,760 | ▼ 34.6% |
| Taxes450/3 | - | - | €29,551 | €15,565 | €12,634 | €13,388 | €8,760 | ▼ 34.6% |
| Other amounts payable47/48 | - | - | €4,426 | €800 | €65,078 | €85,965 | €93,279 | ▲ 8.5% |
| Accrued charges and deferred income492/3 | - | - | €147 | - | - | - | - | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,129 | €49,767 | €52,562 | €50,982 | €57,273 | €61,920 | €69,277 | ▲ 11.9% |
| + Depreciation and write-downs630 | - | €544 | €2,163 | €2,548 | €2,026 | €2,187 | €2,749 | ▲ 25.7% |
| Operating cash flow (approximation) | €6,129 | €50,311 | €54,725 | €53,530 | €59,299 | €64,107 | €72,027 | ▲ 12.4% |
| Investment in fixed assets (approximation) | - | - | -€9,132 | €0 | €0 | -€1,174 | -€1,776 | ▼ 51.3% |
| Change in cash | - | €56,059 | €53,363 | €30,590 | -€90,054 | €26,784 | -€366 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (7)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 27-08-2026 | 2026-00449513 | NBB |
| 31-12-2024 | micro format | 25-08-2025 | 2025-00396790 | |
| 31-12-2023 | micro format | 30-08-2024 | 2024-00455080 | |
| 31-12-2022 | micro format | 27-07-2023 | 2023-00308254 | |
| 31-12-2021 | micro format | 30-08-2022 | 2022-20414359 | |
| 31-12-2020 | micro format | 20-08-2021 | 2021-51900482 | |
| 31-12-2019 | micro format | 29-08-2020 | 2020-48700443 |
Board & ownership
Directors
Owners and capital
Owners
Network & group
SmarTIC shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of SmarTIC. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
1 establishment unit
Buildings and parcels at the address
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 92072B0060/00K002 | Wallonia | 1,119 m² | 1 · 103 m² | - |