SMARTINTERIEUR
ActiveThe computed 12-month bankruptcy probability of SMARTINTERIEUR is 3.9% (moderate). The annual accounts of SMARTINTERIEUR for fiscal year 2025 show a net loss of 77% of the equity at the start of that year. The 2025 annual accounts show equity of €2k and a net result of €-6k. Equity is shrinking by ~56.4% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 11% of 27787 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+50
Solvency30▼-10
Growth32=
Track record94
Bankruptcy probability, 12 months
3.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit 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 tight (current ratio 1.01 against 0.94 in 2024; short-term debt: 94.8% and cash: 72.6% of total assets), and 95.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
4.6%
Return on assets
-15.4%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2122232425
2021 to 2025 · latest year €-6k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 27787 sector peers (2025).
NBB · sector comparisonPosition among 27787 sector peers
Solvency
better than 11%
← weakest
strongest →
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 13-07-2026, 18 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
18 d early
2024
37 d early
2023
23 d early
2022
45 d early
2021
20 d early
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k▼ 77.0%
2024 · €8k
2021: €25k
2022: €10k
2023: €23k
2024: €8k
2021 → 2025
Total assets
€40k▼ 25.2%
2024 · €54k
2021: €93k
2022: €72k
2023: €70k
2024: €54k
2021 → 2025
Net result
€-6k▲ 58.9%
2024 · €-15k
2021: €20k
2022: €-15k
2023: €13k
2024: €-15k
2021 → 2025
Working capital
€389
2024 · €-3k
2021: €3k
2022: €-8k
2023: €7k
2024: €-3k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€10k▼ 59.6%€23k▲ 131%€8k▼ 65.2%€2k▼ 77.0%
Operating result€26k-€-15k€14k€-15k€-6k▲ 58.9%
Net result€20k-€-15k€13k€-15k€-6k▲ 58.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €15k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €40k
Fixed assets
€2k▼ 84.0%
Current assets
€39k▼ 10.8%
Equity and liabilities €40k
Equity
€2k▼ 77.0%
Debt
€38k▼ 16.1%
The debt ratio rises from 85.1% to 95.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3k▲
2024 · €-5k
Cash flow
€3k▲
2024 · €-5k
Solvency
4.6%▼
2024 · 14.9%
Current ratio
1.01▲
2024 · 0.94
Quick ratio
0.91▲
2024 · 0.82
Debt / equity
20.79▲
2024 · 5.70
ROE
-334.5%▼
2024 · -187.3%
ROA
-15.4%▲
2024 · -27.9%
Interest coverage
42.72▲
2024 · -45.63
Debt
€38k▼
2024 · €46k
Debt ≤ 1 year
€38k▼
2024 · €46k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€54k€40k▼
Formation expenses20-€0
Fixed assets21/28€11k€2k▼
Tangible fixed assets22/27€11k€2k▼
Plant, machinery and equipment23€5k€513▼
Furniture and vehicles24€5k€958▼
Other tangible fixed assets26€518€230▼
Current assets29/58€43k€39k▼
Stocks and contracts in progress3€6k€4k▼
Stocks30/36€3k€4k▲
Contracts in progress37€2k-
Amounts receivable within one year40/41€4k€5k▲
Trade receivables40€2k€3k▲
Other amounts receivable41€2k€1k▼
Cash at bank and in hand54/58€34k€29k▼
Deferred charges and accrued income490/1€172€522▲
Equity and liabilities
Total equity and liabilities10/49€54k€40k▼
Equity10/15€8k€2k▼
Contributions10/11€5k€5k=
Reserves13€18k€18k=
Distributable reserves133€18k€18k=
Profit (loss) carried forward14€-15k€-21k▼
Amounts payable17/49€46k€38k▼
Amounts payable within one year42/48€46k€38k▼
Current portion of amounts payable after more than one year42€4k-
Trade debts44€8k€1k▼
Suppliers440/4€8k€1k▼
Taxes, remuneration and social security45€812-
Taxes450/3€812-
Other amounts payable47/48€33k€37k▲
Accrued charges and deferred income492/3€24€237▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€-4k€5k▲
Operating profit (loss)9901€-15k€-6k▲
Financial income75/76B€143€84▼
Recurring financial income75€143€84▼
Financial charges65/66B€118€78▼
Recurring financial charges65€118€78▼
Profit (loss) for the period before taxes9903€-15k€-6k▲
Income taxes67/77€0-
Profit (loss) for the period9904€-15k€-6k▲
Profit (loss) for the period to be appropriated9905€-15k€-6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-21k▼
Profit (loss) brought forward from the previous period14P-€-15k
The notes to these accounts (5 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-15k ▼215%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Stekene · 2 establishment units since 2020
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.
Hellestraat(STE) 1859190 StekeneGround area
3,213 m²
Building footprint
708 m²
Volume, LiDAR
4,921 m³
2 parcels, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Anthonis De Jonghestraat 32, 9100 Sint-Niklaas
since 20202.310.732.416
SMARTINTERIEUR
since 20202.310.732.515
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46017A0906/00G000 | Flanders | 2,846 m² | 1 · 607 m² | 8.1 m · 2 fl. |
| 46322D0592/00B000 | Flanders | 367 m² | 1 · 101 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,137. 1,373 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2020
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.