SMARTYOU
ActiveSummary
SMARTYOU has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €323,056 and a net result of €269,422. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 28% of 17213 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+21
Solvency56▲+19
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 4.38 against 1.61 in 2024; short-term debt: 16.3% and cash: 42.4% of total assets), but 68.7% of the assets are financed with debt.
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Signals
Six 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
31.3%
Return on assets
26.1%
Age of the figures
9 mo
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 · 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
1819202122232425
2018 to 2025 · latest year €323,056
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 30-06-2026, 31 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
31 d early
2024
48 d early
2023
50 d early
2022
49 d early
2021
53 d early
2020
60 d early
2019
57 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 50 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
In the rankings
#1 company by total assets in Sprimont, Telecoms and IT sector#5 company by equity in Sprimont, Telecoms and IT sector#9 oldest company in Sprimont, Telecoms and IT sector
Equity
€323,056▲ 502%
2024 · €53,634
Total assets
€1.0m▲ 131%
2024 · €447,545
Net result
€269,422▲ 624%
2024 · €37,200
Working capital
€569,293▲ 851%
2024 · €59,846
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€1,024▲ 25.3%€1,310€13,134▲ 903%€48,920▲ 272%€381,168▲ 679%
Net result-€1,058below the sector's middle half▲ 25.8%€1,218below the sector's middle half€10,711within the sector's middle half▲ 779%€37,200within the sector's middle half▲ 247%€269,422above the sector's middle half▲ 624%
Equity€505below the sector's middle half▼ 67.7%€1,724below the sector's middle half▲ 241%€16,434below the sector's middle half▲ 853%€53,634within the sector's middle half▲ 226%€323,056above the sector's middle half▲ 502%
Total assets€7,059below the sector's middle half▲ 209%€3,791below the sector's middle half▼ 46.3%€49,087below the sector's middle half▲ 1,195%€447,545above the sector's middle half▲ 812%€1.0mabove the sector's middle half▲ 131%
Debt€6,554▲ 809%€2,067▼ 68.5%€32,653▲ 1,480%€393,911▲ 1,106%€710,248▲ 80.3%
Working capital€505below the sector's middle half▼ 67.7%€1,724below the sector's middle half▲ 241%€16,434within the sector's middle half▲ 853%€59,846within the sector's middle half▲ 264%€569,293above the sector's middle half▲ 851%
Solvency7.2%below the sector's middle half33.5%within the sector's middle half12.0%below the sector's middle half▼ 21.5pp31.3%within the sector's middle half▲ 19.3pp
Current ratio1.08below the sector's middle half1.50within the sector's middle half1.61within the sector's middle half▲ 0.114.38within the sector's middle half▲ 2.77
Return on assets (ROA)-15.0%below the sector's middle half21.8%within the sector's middle half8.3%within the sector's middle half▼ 13.5pp26.1%within the sector's middle half▲ 17.8pp
Staff (FTE)0.52.1▲ 320%
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
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 679% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.0m
Fixed assets
€295,616 ▲ 1.9%
Current assets
€737,688 ▲ 369%
Equity and liabilities €1.0m
Equity
€323,056 ▲ 502%
Debt
€710,248 ▲ 80.3%
Debt's share of the balance-sheet total falls from 88.0% to 68.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€390,785▲
2024 · €51,132
Cash flow
€279,039▲
2024 · €39,412
Debt to equity
2.20▼
2024 · 7.34
ROE
83.4%▲
2024 · 69.4%
Interest coverage
25.63▲
2024 · 12.29
Debt ≤ 1 year
€168,395▲
2024 · €97,537
Debt > 1 year
€231,660▼
2024 · €243,871
Income taxes
€96,838▲
2024 · €7,561
Staff costs
€111,487▲
2024 · €23,263
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 26,970 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €23,263 | €111,487 | ▲ 379% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | €2,212 | €9,617 | ▲ 335% |
| Other operating charges640/8 | €220 | - | €440 | €274 | €323 | ▲ 17.9% |
| Gross operating margin9900 | -€804 | €1,310 | €13,574 | €74,669 | €502,595 | ▲ 573% |
| Operating profit (loss)9901 | -€1,024 | €1,310 | €13,134 | €48,920 | €381,168 | ▲ 679% |
| Financial income75/76B | - | - | - | €3 | €339 | ▲ 11,200% |
| Recurring financial income75 | - | - | - | €3 | €339 | ▲ 11,200% |
| Financial charges65/66B | €34 | €92 | €101 | €4,162 | €15,247 | ▲ 266% |
| Recurring financial charges65 | €34 | €92 | €101 | €4,162 | €15,247 | ▲ 266% |
| Profit (loss) for the period before taxes9903 | -€1,058 | €1,218 | €13,033 | €44,761 | €366,260 | ▲ 718% |
| Income taxes67/77 | - | - | €2,322 | €7,561 | €96,838 | ▲ 1,181% |
| Profit (loss) for the period9904 | -€1,058 | €1,218 | €10,711 | €37,200 | €269,422 | ▲ 624% |
| Profit (loss) for the period to be appropriated9905 | -€1,058 | €1,218 | €10,711 | €37,200 | €269,422 | ▲ 624% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €7,059 | €3,791 | €49,087 | €447,545 | €1.0m | ▲ 131% |
| Fixed assets21/28 | - | - | - | €290,162 | €295,616 | ▲ 1.9% |
| Tangible fixed assets22/27 | - | - | - | €290,100 | €295,554 | ▲ 1.9% |
| Land and buildings22 | - | - | - | €288,056 | €287,137 | ▼ 0.3% |
| Furniture and vehicles24 | - | - | - | €2,044 | €8,417 | ▲ 312% |
| Financial fixed assets28 | - | - | - | €62 | €62 | = |
| Current assets29/58 | €7,059 | €3,791 | €49,087 | €157,383 | €737,688 | ▲ 369% |
| Amounts receivable within one year40/41 | €5,550 | €2,893 | €45,160 | €32,192 | €108,866 | ▲ 238% |
| Trade receivables40 | €5,550 | €2,893 | €45,159 | €32,163 | €108,866 | ▲ 238% |
| Other amounts receivable41 | - | - | €1 | €29 | - | - |
| Cash at bank and in hand54/58 | €1,509 | €898 | €3,622 | €123,339 | €437,732 | ▲ 255% |
| Deferred charges and accrued income490/1 | - | - | €305 | €1,852 | €191,090 | ▲ 10,218% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €7,059 | €3,791 | €49,087 | €447,545 | €1.0m | ▲ 131% |
| Equity10/15 | €505 | €1,724 | €16,434 | €53,634 | €323,056 | ▲ 502% |
| Contributions10/11 | €6,200 | €6,200 | €10,200 | €10,200 | €10,200 | = |
| Capital10 | €6,200 | €6,200 | - | - | - | - |
| Issued capital100 | €18,600 | €18,600 | - | - | - | - |
| Uncalled capital101 | €12,400 | €12,400 | - | - | - | - |
| Profit (loss) carried forward14 | -€5,695 | -€4,476 | €6,234 | €43,434 | €312,856 | ▲ 620% |
| Amounts payable17/49 | €6,554 | €2,067 | €32,653 | €393,911 | €710,248 | ▲ 80.3% |
| Amounts payable after more than one year17 | - | - | - | €243,871 | €231,660 | ▼ 5.0% |
| Financial debts170/4 | - | - | - | €243,871 | €231,660 | ▼ 5.0% |
| Amounts payable within one year42/48 | €6,554 | €2,067 | €32,653 | €97,537 | €168,395 | ▲ 72.6% |
| Current portion of amounts payable after more than one year42 | - | - | - | €14,038 | €13,397 | ▼ 4.6% |
| Trade debts44 | €1,779 | €2,059 | €16,433 | €20,931 | €57,670 | ▲ 176% |
| Suppliers440/4 | €1,779 | €2,059 | €16,433 | €20,931 | €57,670 | ▲ 176% |
| Taxes, remuneration and social security45 | €215 | €8 | €3,220 | €22,077 | €96,521 | ▲ 337% |
| Taxes450/3 | €215 | €8 | €3,220 | €19,802 | €86,927 | ▲ 339% |
| Remuneration and social security454/9 | - | - | - | €2,275 | €9,594 | ▲ 322% |
| Other amounts payable47/48 | €4,560 | - | €13,000 | €40,491 | €807 | ▼ 98.0% |
| Accrued charges and deferred income492/3 | - | - | - | €52,503 | €310,193 | ▲ 491% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,058 | €1,218 | €10,711 | €37,200 | €269,422 | ▲ 624% |
| + Depreciation and write-downs630 | - | - | - | €2,212 | €9,617 | ▲ 335% |
| Operating cash flow (approximation) | -€1,058 | €1,218 | €10,711 | €39,412 | €279,039 | ▲ 608% |
| Investment in fixed assets (approximation) | - | - | - | - | -€15,071 | - |
| Change in cash | - | -€611 | €2,724 | €119,717 | €314,393 | ▲ 163% |
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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €269,422 ▲624%
Operating result €381,168, net result €269,422, both a record.
31-12
Financial
Liquidity triplescurrent ratio 4.38
Current ratio from 1.61 to 4.38.
31-12
Financial
Equity above €200,000Eq €323,056 ▲502%
4 profitable years in a row build equity to €323,056.
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €1,218
Net result €1,218 after 4 loss-making years.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Sprimont · 1 establishment unit since 2018
Ground area
334 m²
Parcel 62100H1391/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
SMARTYOU
since 20182.274.488.959
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62100H1391/00E000 | Wallonia | 334 m² | - | - |
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 30,007 companies in sector 62200 we hold annual accounts for 18,400. 13,528 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
Founded04-04-2018
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
47400Retail sale of information and communication equipment
E-invoicing
Reachable via Peppol
Peppol ID
0208:0693906920
Also
9925:BE0693906920
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.