SMARTIDEAS
ActiveSummary
The annual accounts of SMARTIDEAS for fiscal year 2025 show a net loss of 209% of total assets and of 84% of the equity at the start of that year. The 2025 annual accounts show equity of €9k and a net result of €-49k. Equity is shrinking by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 57% of 14079 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-97
Solvency63▼-35
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 2.25 against 3.66 in 2024; short-term debt: 36.1% and cash: 74.6% of total assets), but 61.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
38.5%
Return on assets
-209.4%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
44 d early
2023
63 d early
2022
60 d early
2021
48 d early
2020
61 d early
2019
59 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€9k▼ 84.5%
2024 · €59k
2018: €98k
2019: €50k
2020: €54k
2021: €54k
2022: €54k
2023: €40k
2024: €59k
2018 → 2025
Total assets
€24k▼ 70.5%
2024 · €80k
2018: €141k
2019: €106k
2020: €89k
2021: €119k
2022: €136k
2023: €84k
2024: €80k
2018 → 2025
Net result
€-49k
2024 · €18k
2018: €-207
2019: €-14k
2020: €5k
2021: €48k
2022: €50k
2023: €11k
2024: €18k
2018 → 2025
Working capital
€11k▼ 81.5%
2024 · €57k
2018: €54k
2019: €15k
2020: €30k
2021: €33k
2022: €41k
2023: €36k
2024: €57k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€54k-€54k▲ 0.3%€40k▼ 25.4%€59k▲ 45.4%€9k▼ 84.5%
Operating result€60k-€66k▲ 10.3%€19k▼ 71.6%€27k▲ 41.6%€-48k
Net result€48k-€50k▲ 5.6%€11k▼ 77.5%€18k▲ 62.1%€-49k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €48k after €27k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €24k
Fixed assets
€4k ▲ 271%
Current assets
€19k ▼ 75.7%
Equity and liabilities €24k
Equity
€9k ▼ 84.5%
Debt
€15k ▼ 32.7%
Debt's share of the balance-sheet total rises from 26.9% to 61.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-46k▼
2024 · €30k
Cash flow
€-48k▼
2024 · €21k
Current ratio
2.25▼
2024 · 3.66
Debt to equity
1.60▲
2024 · 0.37
ROE
-544.1%▼
2024 · 31.2%
ROA
-209.4%▼
2024 · 22.8%
Interest coverage
-34.25▼
2024 · 19.96
Debt ≤ 1 year
€9k▼
2024 · €22k
Income taxes
€499▼
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€80k€24k▼
Fixed assets21/28€1k€4k▲
Intangible fixed assets21€0-
Tangible fixed assets22/27€0€3k▲
Furniture and vehicles24€0€3k▲
Financial fixed assets28€1k€1k=
Current assets29/58€79k€19k▼
Amounts receivable within one year40/41€28k€958▼
Trade receivables40€28k€0▼
Other amounts receivable41€0€958▲
Cash at bank and in hand54/58€50k€18k▼
Deferred charges and accrued income490/1€841€591▼
Equity and liabilities
Total equity and liabilities10/49€80k€24k▼
Equity10/15€59k€9k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€38k€-11k▼
Amounts payable17/49€22k€15k▼
Amounts payable within one year42/48€22k€9k▼
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€20k€6k▼
Taxes450/3€20k€6k▼
Other amounts payable47/48€707€747▲
Accrued charges and deferred income492/3-€6k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€1k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€31k€-45k▼
Operating profit (loss)9901€27k€-48k▼
Financial income75/76B€313€173▼
Recurring financial income75€313€173▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€25k€-49k▼
Income taxes67/77€7k€499▼
Profit (loss) for the period9904€18k€-49k▼
Profit (loss) for the period to be appropriated9905€18k€-49k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€-11k▼
Profit (loss) brought forward from the previous period14P€20k€38k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-49k ▼371%
Net result drops to €-49k, the lowest in the series.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 3.66
Current ratio from 1.82 to 3.66; short-term debt falls from €44k to €22k.
29-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €50k ▲5.6%
Operating result €66k, net result €50k, both a record.
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 59 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
06-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 6 days late
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Profondeville
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue du Herdal 585170 ProfondevilleGround area
2,090 m²
Building footprint
118 m²
Volume, LiDAR
702 m³
Parcel 92101C0229/00B004, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92101C0229/00B004 | Wallonia | 2,090 m² | 1 · 118 m² | 8.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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CARPE DIEM
BE 0479.045.683
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BE 0771.424.766
Sint-Martens-Latem · Eq €9,121
Of 11,747 companies in sector 68310 we hold annual accounts for 6,905. 2,812 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-05-2014
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
90202Performing arts by artistic ensembles
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.