Equity
-€205,766
Debts exceed assets in financial year 2025.
SMARTIMMO
Lifetime
17 annual accounts with figures on one time axispeak €2.5m (2015)
€2.2m▼ 5.4%
lowest -€814,041 (2014)
-€150,901▼ €297,238
peak €177,667 (2017)
-€205,766▼ €150,901
€8.3m▲ 2.9%
peak 22.4 FTE (2013)
12.3 FTE▼ 19.6%
Board12 names since 2017
1 director
Owners
90%
Documentsfilings and deeds
02-07-202629 days before the deadline
2025abbreviated format
Turnover from €918,988 to €794,984Loss of €150,901Staff from 15.3 FTE to 12.3 FTEAppointment: (statutory auditor) 26-08Equity from -€54,865 to -€205,766Investments €2.4m
Key points
from the 2025 annual accountsDebts
€8.3m 103% of the balance sheet
Financial debts 2%Suppliers 4%Taxes and wages 3%Other 91%
Of this, €7.7m falls due within a year.
Staff
12.3 FTE from 22.4 in 2013
Between 2013 and 2025, 45% of the full-time equivalents disappeared.
Payment terms
57 days to suppliers
SMARTIMMO pays its suppliers 4 days later than in 2024. Customers pay 375 days later.
At the same address
33 companies
Position in the sector
-€150,901
Lower net result than 95% of companies in personal services. Sector median €13,267 · 1,113 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 1,215 companies had the same profile as SMARTIMMO has now. Each dot stands for 4 companies, two years later.
95.6%
were still trading
2.6%
stopped another way
1.1%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,331 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 1,215 companies, not a prediction for SMARTIMMO. 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.
Credit verdict
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Signals
Board and ownership
Managing director,
Director, , since 02-10-2019
Auditor,
- deed of 01-08-2022
- deed of 01-08-2022
- deed of 01-08-2022
Shares in 3 companies, including and
Board & ownershipRecent changes
Permanent representatives: , and
Board meeting of 30-09-2026 · Gazette deed
Permanent representatives: , and
Board meeting of 12-01-2026 · Gazette deed
Appointment: (statutory auditor)
General meeting of 10-06-2025 · Gazette deed
Permanent representative:
Board meeting of 18-12-2021 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SMARTIMMO Sint-Gillis (bij-Brussel) | €0.8m | 15.9% | -2.5% | 12.3 |
| CONSEIL DES BUREAUX (ASSOCIATION INTERNATIONALE DES BUREAUX NATIONAUX D'ASSURANCE AUTOMOBILE) Brussels | - | - | 16.3% | 12 |
| UICN BUREAU DE REPRESENTATION AUPRES DE L'UNION EUROPEENNE/ IUCN EUROPEAN UNION REPRESENTATIVE OFFICE Etterbeek | - | - | 6.3% | 21.5 |
| BOOKING .COM (BELGIUM) Brussels | €7.0m | 48.7% | 43.7% | 15.6 |
| GREENOVATE ! EUROPE Ixelles | - | - | 6.7% | 7.4 |
| NOVEN Ghent | - | - | 82.6% | 12.6 |
| European Fund and Asset Management Association Brussels | - | - | 87.7% | 21.2 |
Grey: the largest companies of the sector (personal services (NACE 96)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as SMARTIMMO: other personal services (NACE 96999). They are comparable in size and age: total assets between €5.6m and €15m, founded between 1992 and 2015.
Official details
Source: KBO- Status
- Active since 31-07-2008Normal situation
- Registered office
- 34 active companies are registered at this address2 started in the 12 months before. Source: KBO register, as of 12 November 2026.
- Activity
- Other personal servicesNACE 96999and 1 other
- Establishment units
- 2.238.626.6731060 Sint-Gillis (bij-Brussel), since 31-07-2008
- 2.238.626.7724000 Liège, since 31-07-2008
- Financial year end
- 31 December
- Peppol
- Reachable
Annual accounts 2025
- €8.1m▼ 0.3%
- Employeeson 31-12-2025
- 13▼ 18.8%
- Filing
- Filed on 02-07-2026, 29 days before the end of the filing period
Insights on SMARTIMMO
SMARTIMMO files the abbreviated format. That format states no turnover. The gross margin rose from €254,901 in 2009 to €2.2m in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SMARTIMMO
- What is the company number of SMARTIMMO?
- The company number of SMARTIMMO is 0899.570.872. The VAT number is the same number with BE in front: BE 0899.570.872.
- Where is SMARTIMMO based?
- The registered office is at Coenraetsstraat 72, 1060 Sint-Gillis (bij-Brussel).Company details
- What does SMARTIMMO do?
- According to the KBO register, the main activity is other personal services (NACE 96999).
- What is the legal form of SMARTIMMO?
- SMARTIMMO is a private limited company (BV).
- When was SMARTIMMO founded?
- SMARTIMMO was founded on 31-07-2008.
- Is SMARTIMMO still active?
- Yes, SMARTIMMO is an active enterprise in the KBO register.
- How many employees does SMARTIMMO have?
- SMARTIMMO had an average of 12.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of SMARTIMMO?
- The turnover of SMARTIMMO was €794,984 in financial year 2025, according to the filed annual accounts.
- Is SMARTIMMO profitable?
- In financial year 2025, SMARTIMMO made a loss of €150,901.
- Where can I find the annual accounts of SMARTIMMO?
- SMARTIMMO filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SMARTIMMO due?
- SMARTIMMO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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