SMUTO
ActiveSummary
SMUTO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €48k. Equity is growing by ~48.5% per year across the filed fiscal years. Its solvency ranks better than 10% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-4
Solvency27▼-73
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
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
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
2%
Return on assets
18.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 10%
← weakest
strongest →
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 11-06-2026, 50 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
50 d early
2024
42 d early
2023
65 d early
2022
67 d early
2021
33 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▼ 97.5%
2024 · €201k
2021: €31k
2022: €101k
2023: €148k
2024: €201k
2021 → 2025
Total assets
€252k▲ 6.0%
2024 · €238k
2021: €53k
2022: €135k
2023: €184k
2024: €238k
2021 → 2025
Net result
€48k▼ 9.3%
2024 · €53k
2021: €26k
2022: €70k
2023: €48k
2024: €53k
2021 → 2025
Working capital
€-57k
2024 · €199k
2021: €28k
2022: €98k
2023: €145k
2024: €199k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€101k▲ 226%€148k▲ 47.2%€201k▲ 35.5%€5k▼ 97.5%
Operating result€34k-€89k▲ 166%€61k▼ 31.5%€68k▲ 10.6%€62k▼ 8.0%
Net result€26k-€70k▲ 169%€48k▼ 31.9%€53k▲ 10.8%€48k▼ 9.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €252k
Fixed assets
€62k ▲ 2,602%
Current assets
€190k ▼ 19.3%
Equity and liabilities €252k
Equity
€5k ▼ 97.5%
Debt
€247k ▲ 564%
Debt's share of the balance-sheet total rises from 15.6% to 98.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€69k▼
2024 · €69k
Cash flow
€55k▲
2024 · €54k
Current ratio
0.77▼
2024 · 6.39
Debt to equity
49.50▲
2024 · 0.19
ROE
956.1%▲
2024 · 26.2%
ROA
18.9%▼
2024 · 22.1%
Interest coverage
96.17▲
2024 · 51.38
Debt ≤ 1 year
€247k▲
2024 · €37k
Income taxes
€14k▼
2024 · €14k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€238k€252k▲
Fixed assets21/28€2k€62k▲
Tangible fixed assets22/27€2k€62k▲
Plant, machinery and equipment23€2k€2k▲
Furniture and vehicles24€464€60k▲
Current assets29/58€236k€190k▼
Amounts receivable within one year40/41€45k€33k▼
Trade receivables40€16k€12k▼
Other amounts receivable41€30k€21k▼
Cash at bank and in hand54/58€190k€156k▼
Deferred charges and accrued income490/1€632€658▲
Equity and liabilities
Total equity and liabilities10/49€238k€252k▲
Equity10/15€201k€5k▼
Contributions10/11€5k€5k=
Reserves13€143k€0▼
Distributable reserves133€143k€0▼
Profit (loss) carried forward14€53k€0▼
Amounts payable17/49€37k€247k▲
Amounts payable within one year42/48€37k€247k▲
Financial debts43€448€3k▲
Credit institutions430/8€448€3k▲
Trade debts44€0€1k▲
Suppliers440/4€0€1k▲
Taxes, remuneration and social security45€20k€15k▼
Taxes450/3€20k€15k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€17k€229k▲
Accrued charges and deferred income492/3€365€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€7k▲
Other operating charges640/8€902€18k▲
Gross operating margin9900€70k€87k▲
Operating profit (loss)9901€68k€62k▼
Financial income75/76B€690€1▼
Recurring financial income75€690€1▼
Financial charges65/66B€1k€720▼
Recurring financial charges65€1k€720▼
Profit (loss) for the period before taxes9903€67k€62k▼
Income taxes67/77€14k€14k▼
Profit (loss) for the period9904€53k€48k▼
Profit (loss) for the period to be appropriated9905€53k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€53k€48k▼
Transfer from equity791/2-€983
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7-€49k
Return on contributions (dividend)694-€49k
The notes to these accounts (8 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €201k ▲35.5%
4 profitable years in a row build equity to €201k.
27-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2021net €70k ▲169%
Operating result €89k, net result €70k, both a record.
31-12
Financial
Equity above €100kEq €101k ▲226%
2 profitable years in a row build equity to €101k.
28-06
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, Hoeilaart · 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.
Paardenwater 14A1560 HoeilaartGround area
3,828 m²
Building footprint
203 m²
Volume, LiDAR
928 m³
Parcel 23033A0013/00H004, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Smuto
since 20212.313.639.545
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23033A0013/00H004 | Flanders | 3,828 m² | 1 · 203 m² | 6.7 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 1,333 EUR awarded · 1,332 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 269 EUR | 447 EUR |
| 2022 | 1 | 1,064 EUR | 885 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 15,595 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-02-2021
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
62200Computer consultancy and computer facilities management
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.