SMARTSTEVENVETS CONSULTANCY
ActiveSMARTSTEVENVETS CONSULTANCY has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €63k and a net result of €37k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 69% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency99▲+19
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.65 against 2.0 in 2024; short-term debt: 26% and cash: 84.9% of total assets), and 26% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
74%
Return on assets
43.8%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year €63k
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 31-07-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
49 d late
2023
42 d late
2022
23 d late
2021
31 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€63k▲ 145%
2024 · €26k
2021: €867
2022: €965
2023: €2k
2024: €26k
2021 → 2025
Total assets
€85k▲ 82.6%
2024 · €47k
2021: €2k
2022: €2k
2023: €3k
2024: €47k
2021 → 2025
Net result
€37k▲ 55.1%
2024 · €24k
2021: €-1k
2022: €98
2023: €772
2024: €24k
2021 → 2025
Working capital
€59k▲ 180%
2024 · €21k
2021: €867
2022: €1k
2023: €2k
2024: €21k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€867-€965▲ 11.3%€2k▲ 80.0%€26k▲ 1,387%€63k▲ 145%
Operating result€-1k-€135€1k▲ 769%€33k▲ 2,671%€54k▲ 65.9%
Net result€-1k-€98€772▲ 686%€24k▲ 3,020%€37k▲ 55.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 66% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €85k
Fixed assets
€4k▼ 10.1%
Current assets
€81k▲ 93.3%
Equity and liabilities €85k
Equity
€63k▲ 145%
Debt
€22k▲ 6.1%
The debt ratio falls from 44.8% to 26.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€55k▲
2024 · €33k
Cash flow
€39k▲
2024 · €25k
Solvency
74.0%▲
2024 · 55.2%
Current ratio
3.65▲
2024 · 2.00
Quick ratio
3.65▲
2024 · 2.00
Debt / equity
0.35▼
2024 · 0.81
ROE
59.1%▼
2024 · 93.3%
ROA
43.8%▼
2024 · 51.5%
Interest coverage
23.05▼
2024 · 26.22
Debt
€22k▲
2024 · €21k
Debt ≤ 1 year
€22k▲
2024 · €21k
Income taxes
€14k▲
2024 · €7k
Staff costs
€226
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€47k€85k▲
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24-€571
Current assets29/58€42k€81k▲
Amounts receivable within one year40/41€10k€9k▼
Trade receivables40€10k€3k▼
Other amounts receivable41€106€5k▲
Cash at bank and in hand54/58€32k€72k▲
Equity and liabilities
Total equity and liabilities10/49€47k€85k▲
Equity10/15€26k€63k▲
Contributions10/11€2k€2k=
Reserves13€24k€61k▲
Distributable reserves133€24k€61k▲
Amounts payable17/49€21k€22k▲
Amounts payable within one year42/48€21k€22k▲
Trade debts44€132€2k▲
Suppliers440/4€132€2k▲
Advances received on contracts in progress46€12k-
Taxes, remuneration and social security45€9k€20k▲
Taxes450/3€9k€20k▲
Remuneration and social security454/9€35€55▲
Income statement
Code20242025
Remuneration, social security and pensions62-€226
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€477€1k▲
Other operating charges640/8€100€396▲
Gross operating margin9900€33k€56k▲
Operating profit (loss)9901€33k€54k▲
Financial income75/76B€5-
Recurring financial income75€5-
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€31k€52k▲
Income taxes67/77€7k€14k▲
Profit (loss) for the period9904€24k€37k▲
Profit (loss) for the period to be appropriated9905€24k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€37k▲
Profit (loss) brought forward from the previous period14P€-263-
Transfer to equity691/2€24k€37k▲
To other reserves6921€24k€37k▲
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €37k ▲55.1%
Operating result €54k, net result €37k, both a record.
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
2024
11-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 42 days late
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial
Back to profitnet €98
Net result €98 after one loss-making year.
30-06
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, Kampenhout · 1 establishment unit since 2021
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.
Binnenveldstraat 221910 KampenhoutGround area
1,642 m²
Building footprint
172 m²
Volume, LiDAR
918 m³
Parcel 23055C0453/00H000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SmartStevenVets Consultancy
since 20212.312.765.159
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23055C0453/00H000 | Flanders | 1,642 m² | 1 · 172 m² | 8.7 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.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 39,227 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2021
Fiscal year end31-12
Abbreviation NL
SMARTSV
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.smartstevenvets.be