SMARTUUP
ActiveSummary
SMARTUUP has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26,652 and a net result of €11,601. Equity is shrinking by ~29.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 31% of 32023 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2023
Profitability85▲+85
Solvency55▼-11
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity tight (current ratio 1.03 against 1.74 in 2023; short-term debt: 35.8% and cash: 1.7% of total assets), and 69.6% of the assets are financed with debt.
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Signals
Five 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
192021222325
2019 to 2025 · latest year €26,652
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2023
28 d early
2022
15 d late
2021
153 d early
2020
10 d late
2019
27 d late
2018
17 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 21 days before the deadline; the sector median for financial year 2023 is 7 days before the deadline, and 34% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 10 February (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close30-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€11,601
2023 · -€3,454
Working capital
€829▼ 77.4%
2023 · €3,670
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232025
Operating result-€678▲ 39.2%-€3,682▼ 443%€23-€3,406€13,152-
Net result-€5,720below the sector's middle half▼ 360%-€4,057below the sector's middle half▲ 29.1%-€9below the sector's middle half▲ 99.8%-€3,454below the sector's middle half▼ 39,280%€11,601within the sector's middle half-
Equity€18,687below the sector's middle half▼ 23.4%€14,630below the sector's middle half▼ 21.7%€7,221below the sector's middle half▼ 50.6%€3,768below the sector's middle half▼ 47.8%€26,652within the sector's middle half-
Total assets€19,292below the sector's middle half▼ 21.0%€18,058below the sector's middle half▼ 6.4%€11,991below the sector's middle half▼ 33.6%€9,169below the sector's middle half▼ 23.5%€87,791within the sector's middle half-
Debt€605€3,428▲ 467%€4,770▲ 39.1%€5,401▲ 13.2%€61,139-
Working capital€18,687within the sector's middle half€13,011within the sector's middle half▼ 30.4%€6,153within the sector's middle half▼ 52.7%€3,670within the sector's middle half▼ 40.4%€829within the sector's middle half-
Solvency96.9%above the sector's middle half▼ 3.1pp81.0%above the sector's middle half▼ 15.8pp60.2%within the sector's middle half▼ 20.8pp41.1%within the sector's middle half▼ 19.1pp30.4%within the sector's middle half-
Current ratio31.89above the sector's middle half4.80above the sector's middle half▼ 27.092.29within the sector's middle half▼ 2.511.74within the sector's middle half▼ 0.551.03within the sector's middle half-
Return on assets (ROA)-29.7%below the sector's middle half▼ 24.6pp-22.5%below the sector's middle half▲ 7.2pp-0.1%below the sector's middle half▲ 22.4pp-37.7%below the sector's middle half▼ 37.6pp13.2%within the sector's middle half-
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result is €13,152 in 2025, compared with -€3,406 in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €87,791
Fixed assets
€55,538 ▲ 10,630%
Current assets
€32,253 ▲ 273%
Equity and liabilities €87,791
Equity
€26,652 ▲ 607%
Debt
€61,139 ▲ 1,032%
Debt's share of the balance-sheet total rises from 58.9% to 69.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€19,726▲
2023 · -€2,855
Cash flow
€18,175▲
2023 · -€2,903
Debt to equity
2.29▲
2023 · 1.43
ROE
43.5%▲
2023 · -91.7%
Interest coverage
20.57▲
2023 · -59.66
Debt ≤ 1 year
€31,424▲
2023 · €4,981
Debt > 1 year
€29,715
Income taxes
€592
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,371 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,371 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €33 | €551 | €551 | €6,574 | - |
| Other operating charges640/8 | - | - | €348 | €348 | €968 | - |
| Gross operating margin9900 | -€678 | -€3,301 | €921 | -€2,508 | €20,695 | - |
| Operating profit (loss)9901 | -€678 | -€3,682 | €23 | -€3,406 | €13,152 | - |
| Financial charges65/66B | - | - | €31 | €48 | €959 | - |
| Recurring financial charges65 | €5,043 | €375 | €31 | €48 | €959 | - |
| Profit (loss) for the period before taxes9903 | -€5,720 | -€4,057 | -€9 | -€3,454 | €12,193 | - |
| Income taxes67/77 | - | - | - | - | €592 | - |
| Profit (loss) for the period9904 | -€5,720 | -€4,057 | -€9 | -€3,454 | €11,601 | - |
| Profit (loss) for the period to be appropriated9905 | -€5,720 | -€4,057 | -€9 | -€3,454 | €11,601 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €19,292 | €18,058 | €11,991 | €9,169 | €87,791 | - |
| Fixed assets21/28 | - | €1,619 | €1,068 | €518 | €55,538 | - |
| Tangible fixed assets22/27 | - | €1,619 | €1,068 | €518 | €55,538 | - |
| Furniture and vehicles24 | - | - | €1,068 | €518 | €2,152 | - |
| Leasing and similar rights25 | - | - | - | - | €53,387 | - |
| Current assets29/58 | €19,292 | €16,440 | €10,923 | €8,652 | €32,253 | - |
| Amounts receivable within one year40/41 | - | €6,274 | €9,511 | €6,473 | €29,425 | - |
| Trade receivables40 | - | - | €9,511 | €6,473 | €29,416 | - |
| Other amounts receivable41 | - | - | - | - | €9 | - |
| Cash at bank and in hand54/58 | €19,292 | €10,166 | €1,412 | €2,179 | €1,491 | - |
| Deferred charges and accrued income490/1 | - | - | - | - | €1,337 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €19,292 | €18,058 | €11,991 | €9,169 | €87,791 | - |
| Equity10/15 | €18,687 | €14,630 | €7,221 | €3,768 | €26,652 | - |
| Contributions10/11 | €8,400 | - | €1,000 | €1,000 | €1,000 | - |
| Reserves13 | €4,200 | €4,200 | - | - | - | - |
| Profit (loss) carried forward14 | €6,087 | €2,030 | €6,221 | €2,768 | €25,652 | - |
| Amounts payable17/49 | €605 | €3,428 | €4,770 | €5,401 | €61,139 | - |
| Amounts payable after more than one year17 | - | - | - | - | €29,715 | - |
| Financial debts170/4 | - | - | - | - | €29,715 | - |
| Amounts payable within one year42/48 | €605 | €3,428 | €4,770 | €4,981 | €31,424 | - |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €7,206 | - |
| Trade debts44 | €605 | €2,433 | €2,969 | €889 | €789 | - |
| Suppliers440/4 | - | - | €2,969 | €889 | €789 | - |
| Taxes, remuneration and social security45 | - | - | €504 | €2,796 | €3,317 | - |
| Taxes450/3 | - | - | €504 | €2,563 | €3,317 | - |
| Remuneration and social security454/9 | - | - | - | €232 | €0 | - |
| Other amounts payable47/48 | - | - | €1,297 | €1,297 | €20,111 | - |
| Accrued charges and deferred income492/3 | - | - | - | €420 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€5,720 | -€4,057 | -€9 | -€3,454 | €11,601 | - |
| + Depreciation and write-downs630 | - | €33 | €551 | €551 | €6,574 | - |
| Operating cash flow (approximation) | -€5,720 | -€4,024 | €542 | -€2,903 | €18,175 | - |
| Investment in fixed assets (approximation) | - | - | €0 | €0 | - | - |
| Change in cash | - | -€9,127 | -€8,754 | €766 | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €11,601
Net result €11,601 after 5 loss-making years.
2024
03-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 15 days late
2022
28-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
10-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 10 days late
2020
30-06
Financial
Weakest financial yearnet -€5,720
Net result drops to -€5,720, the lowest in the series; recovery starts the following year.
27-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 27 days late
2019
14-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
15-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
16-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
22-02
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2006
Ground area
474 m²
Building footprint
74 m²
Volume, LiDAR
472 m³
Parcel 25056B0349/00L002, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
LOGIMOBILE
since 20062.154.991.788
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25056B0349/00L002 | Wallonia | 474 m² | 1 · 74 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 82,641 companies in sector 70200 we hold annual accounts for 52,636. 33,467 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded16-05-2006
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
Contact
Phone
0477/501999Ottignies-Louvain-la-Neuve
E-invoicing
Reachable via Peppol
Peppol ID
0208:0881336357
Also
9925:BE0881336357
Registered
30-04-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.