Smartiqa Consulting

Active

Private limited companyfounded 20215 yrs activeJean-Baptiste Depairelaan 90, 1020 Brussel, BelgiumKBO/BCE: BE 0771.313.019

Smartiqa Consulting has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €-9k. Equity is growing by ~54.7% per year across the filed fiscal years. Its solvency ranks better than 16% of 16935 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).

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Checked score

Score 2025

37 / 100

Weak▼ -31 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-100

Solvency22▼-7

Growth78=

Stability94

Bankruptcy probability, 12 months

1.4% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days only on tighter terms

Liquidity tight (current ratio 1.11 against 1.21 in 2024), and 87.6% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Nine signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 62

Relative position

BE, all sectors

reference

Sector 62

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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

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

12.4%

Return on assets

-7.7%

Age of the figures

9 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 16935 sector peers (2025).

NBB · sector comparison

Position among 16935 sector peers

Solvency

better than 16%

← weakest strongest →

A punctual record breaks

This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.

NBB · 5 filings

Deviation from the deadline

2025

12 d late

2024

35 d early

2023

36 d early

2022

6 d early

2021

3 d late

← before the deadline after the deadline →

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 months

Position in the running window

16-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, micro schema

Equity

€14k▼ 38.3%

2024 · €23k

2021: €-14k 2022: €-8k 2023: €2k 2024: €23k

2021 → 2025

Total assets

€113k▼ 2.8%

2024 · €117k

2021: €44k 2022: €180k 2023: €259k 2024: €117k

2021 → 2025

Net result

€-9k

2024 · €21k

2021: €-15k 2022: €6k 2023: €9k 2024: €21k

2021 → 2025

Working capital

€11k▼ 45.0%

2024 · €19k

2021: €-17k 2022: €-12k 2023: €-3k 2024: €19k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€-14k-€-8k▲ 45.1%€2k€23k▲ 1,127%€14k▼ 38.3%

Operating result€-15k-€8k€18k▲ 132%€32k▲ 83.1%€-8k

Net result€-15k-€6k€9k▲ 52.0%€21k▲ 123%€-9k

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 €8k after €32k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €113k

97.0%

Fixed assets €3k=

Current assets €110k▼ 2.9%

Equity and liabilities €113k

12.4%

87.6%

Equity €14k▼ 38.3%

Debt €99k▲ 5.8%

The debt ratio rises from 80.4% to 87.6%: debt grows while equity shrinks.

Key figures and ratios

2025 value · change against 2024

Solvency

12.4%▼

2024 · 19.6%

Current ratio

1.11▼

2024 · 1.21

Quick ratio

1.11▼

2024 · 1.21

Debt / equity

7.05▲

2024 · 4.11

ROE

-62.0%▼

2024 · 91.8%

ROA

-7.7%▼

2024 · 18.0%

Debt

€99k▲

2024 · €94k

Debt ≤ 1 year

€99k▲

2024 · €94k

Income taxes

€1k▼

2024 · €11k

Staff costs

€116k▼

2024 · €288k

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€117k€113k▼

Fixed assets21/28€3k€3k=

Financial fixed assets28€3k€3k=

Current assets29/58€113k€110k▼

Amounts receivable within one year40/41€68k€52k▼

Trade receivables40€61k€31k▼

Other amounts receivable41€7k€20k▲

Cash at bank and in hand54/58€38k€55k▲

Deferred charges and accrued income490/1€7k€3k▼

Equity and liabilities

Total equity and liabilities10/49€117k€113k▼

Equity10/15€23k€14k▼

Contributions10/11€1k€1k=

Profit (loss) carried forward14€21k€13k▼

Amounts payable17/49€94k€99k▲

Amounts payable within one year42/48€94k€99k▲

Trade debts44€58k€84k▲

Suppliers440/4€58k€84k▲

Taxes, remuneration and social security45€36k€15k▼

Taxes450/3€6k€6k▲

Remuneration and social security454/9€30k€10k▼

Other amounts payable47/48€0-

Income statement Code20242025

Remuneration, social security and pensions62€288k€116k▼

Other operating charges640/8€1k€400▼

Gross operating margin9900€321k€109k▼

Operating profit (loss)9901€32k€-8k▼

Financial income75/76B€1€189▲

Recurring financial income75€1€189▲

Financial charges65/66B€550€141▼

Recurring financial charges65€550€141▼

Profit (loss) for the period before taxes9903€32k€-8k▼

Income taxes67/77€11k€1k▼

Profit (loss) for the period9904€21k€-9k▼

Profit (loss) for the period to be appropriated9905€21k€-9k▼

Appropriation of the result

Profit (loss) to be appropriated9906€21k€13k▼

Profit (loss) brought forward from the previous period14P€460€21k▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 8Financial 2Gazette 1Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

10-09

State Gazette act Registered office · Miscellaneous

Board meeting · Registered-office move · Power of attorney3 facts ▸

Board meeting, 01/07/2026
Registered-office move, Bolwerklaan 21 bus 5, 1210 Sint-Joost-ten-Node
Power of attorney, BV Vincent Neslany Accountants

12-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 12 days late

2025

26-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2021net €21k ▲123%

Operating result €32k, net result €21k, both a record.

25-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

25-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Back to profitnet €6k

Net result €6k after one loss-making year.

03-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 3 days late

Financial milestoneState Gazette actNBB 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 1. We have therefore not extracted its directors from those acts yet.

Location & real-estate footprint

Registered office, Brussel · 2 establishment units since 2021

establishment All 2 establishment units on the map

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.

Jean-Baptiste Depairelaan 901020 Brussel

Ground area

7,824 m²

Building footprint

7,061 m²

Volume, LiDAR

398,801 m³

2 parcels, Brussels · tallest building 112.9 m, ±22 floors. Linked by address, not a title deed.

2 establishment units

Smartiqa Consulting

Jean-Baptiste Depairelaan 90, 1020 BrusselRetail trade

since 20212.319.645.132

Smartiqa Consulting

Bolwerklaan 21, 1210 Sint-Joost-ten-NodeIT consultancy

since 20212.324.020.624

2 parcels

Brussels 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21014A0008/00Z010	Brussels	7,591 m²	1 · 6,964 m²	112.8 m · 22 fl.
21816H0108/00B003	Brussels	233 m²	1 · 97 m²	15.5 m · 4 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.

Similar companies · same sector, comparable size

GTAK

BE 1027.679.762

Ukkel · Eq €14k

SG4 Master data Management

Sint-Agatha-Berchem · Eq €14k

Of 29,889 companies in sector 62200 we hold annual accounts for 18,319. 11,330 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded12-07-2021

Fiscal year end31-12

Activities, NACEBEL

62020IT consultancy

62200Computer consultancy and computer facilities management

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.