SmartOnline
ActiveThe computed 12-month bankruptcy probability of SmartOnline is 1.8% (moderate). The 2025 annual accounts show equity of €78k and a net result of €-8k. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 61% of 18237 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
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-45
Solvency72▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.7 against 1.82 in 2024; short-term debt: 35.8% of total assets), but 53.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 47
Relative position
BE, all sectors
reference
Sector 47
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
46.8%
Return on assets
-4.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
8 d late
2022
6 d early
2021
22 d late
2020
30 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€78k▼ 8.8%
2024 · €86k
2020: €37k
2021: €58k
2022: €71k
2023: €76k
2024: €86k
2020 → 2025
Total assets
€167k▼ 19.1%
2024 · €206k
2020: €74k
2021: €142k
2022: €172k
2023: €197k
2024: €206k
2020 → 2025
Net result
€-8k
2024 · €9k
2020: €17k
2021: €20k
2022: €13k
2023: €5k
2024: €9k
2020 → 2025
Working capital
€102k▲ 12.7%
2024 · €90k
2020: €26k
2021: €43k
2022: €102k
2023: €95k
2024: €90k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€58k-€71k▲ 23.3%€76k▲ 7.5%€86k▲ 12.1%€78k▼ 8.8%
Operating result€27k-€22k▼ 18.8%€9k▼ 59.8%€12k▲ 32.6%€-6k
Net result€20k-€13k▼ 33.9%€5k▼ 60.0%€9k▲ 72.5%€-8k
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 €6k after €12k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €167k
Fixed assets
€5k▼ 16.2%
Current assets
€162k▼ 19.2%
Equity and liabilities €167k
Equity
€78k▼ 8.8%
Debt
€89k▼ 26.4%
The debt ratio falls from 58.5% to 53.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-4k▼
2024 · €14k
Cash flow
€-5k▼
2024 · €11k
Solvency
46.8%▲
2024 · 41.5%
Current ratio
2.70▲
2024 · 1.82
Quick ratio
2.06▲
2024 · 1.48
Debt / equity
1.14▼
2024 · 1.41
ROE
-9.6%▼
2024 · 10.8%
ROA
-4.5%▼
2024 · 4.5%
Interest coverage
-2.01▼
2024 · 3.99
Debt
€89k▼
2024 · €121k
Debt ≤ 1 year
€60k▼
2024 · €110k
Debt > 1 year
€11k=
2024 · €11k
Income taxes
€-129▼
2024 · €3k
Staff costs
€-208=
2024 · €-208
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€206k€167k▼
Fixed assets21/28€6k€5k▼
Tangible fixed assets22/27€6k€5k▼
Plant, machinery and equipment23€1k€731▼
Furniture and vehicles24€5k€5k▼
Current assets29/58€200k€162k▼
Stocks and contracts in progress3€38k€38k=
Stocks30/36€38k€38k=
Amounts receivable within one year40/41€161k€123k▼
Trade receivables40€53k€19k▼
Other amounts receivable41€108k€104k▼
Deferred charges and accrued income490/1€654€508▼
Equity and liabilities
Total equity and liabilities10/49€206k€167k▼
Equity10/15€86k€78k▼
Contributions10/11€20k€20k=
Reserves13€66k€66k=
Distributable reserves133€66k€66k=
Profit (loss) carried forward14-€-8k
Amounts payable17/49€121k€89k▼
Amounts payable after more than one year17€11k€11k=
Financial debts170/4€11k€11k=
Amounts payable within one year42/48€110k€60k▼
Current portion of amounts payable after more than one year42€12k-
Financial debts43€19k€24k▲
Credit institutions430/8€19k€24k▲
Trade debts44€34k€12k▼
Suppliers440/4€34k€12k▼
Advances received on contracts in progress46-€19k
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€5k▲
Other amounts payable47/48€41k-
Accrued charges and deferred income492/3-€18k
Income statement
Code20242025
Remuneration, social security and pensions62€-208€-208=
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€651€928▲
Gross operating margin9900€14k€-3k▼
Operating profit (loss)9901€12k€-6k▼
Financial income75/76B€4k€378▼
Recurring financial income75€4k€378▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€12k€-8k▼
Income taxes67/77€3k€-129▼
Profit (loss) for the period9904€9k€-8k▼
Profit (loss) for the period to be appropriated9905€9k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€-8k▼
Transfer to equity691/2€9k-
To other reserves6921€9k-
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-8k ▼181%
Net result drops to €-8k, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Highest result since 2020net €20k ▲17.1%
Operating result €27k, net result €20k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Haaltert · 1 establishment unit 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.
Stationsstraat(HA) 169450 HaaltertGround area
531 m²
Building footprint
153 m²
Volume, LiDAR
953 m³
Parcel 41024B0704/00D002, Flanders · tallest building 12.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SmartOnline
since 20202.298.077.577
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41024B0704/00D002 | Flanders | 531 m² | 1 · 153 m² | 12.0 m · 1 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.
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STANLEY'S AUCTION
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ALHAMD TRADES
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Of 3,235 companies in sector 47781 we hold annual accounts for 744. 510 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-01-2020
Fiscal year end31-12
Activities, NACEBEL
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47990Retail trade
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.