SMART
ActiveSMART is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €385k and a net result of €75k. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 87% of 7962 sector peers (fiscal year 2025). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
51 d early
2023
43 d early
2022
34 d early
2021
58 d early
2020
33 d early
2019
43 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€385k▲ 18.9%
2024 · €324k
2018: €309k
2019: €323k
2020: €215k
2021: €153k
2022: €190k
2023: €258k
2024: €324k
2018 → 2025
Net result
€75k▲ 13.3%
2024 · €66k
2018: €-35k
2019: €14k
2020: €99k
2021: €35k
2022: €37k
2023: €68k
2024: €66k
2018 → 2025
Total assets
€431k▲ 24.6%
2024 · €346k
2018: €320k
2019: €344k
2020: €252k
2021: €288k
2022: €217k
2023: €297k
2024: €346k
2018 → 2025
Solvency
89.4%▼ 4.3pp
2024 · 93.8%
2018: 96.5%
2019: 93.8%
2020: 85.3%
2021: 53.0%
2022: 87.6%
2023: 86.7%
2024: 93.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€153k-€190k▲ 24.5%€258k▲ 35.5%€324k▲ 25.7%€385k▲ 18.9%
Operating result€53k-€54k▲ 1.6%€95k▲ 78.4%€92k▼ 4.1%€105k▲ 15.1%
Net result€35k-€37k▲ 6.3%€68k▲ 80.4%€66k▼ 1.8%€75k▲ 13.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 15% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €431k
Fixed assets
€108k▼ 5.1%
Current assets
€323k▲ 39.2%
Equity and liabilities €431k
Equity
€385k▲ 18.9%
Debt
€46k▲ 111%
The debt ratio rises from 6.2% to 10.6%: debt grows faster than equity.
Key figures and ratios
Solvency
89.4%▼
2024 · 93.8%
ROE
19.5%▼
2024 · 20.5%
ROA
17.4%▼
2024 · 19.2%
Debt
€46k▲
2024 · €22k
Debt ≤ 1 year
€46k▲
2024 · €22k
Income taxes
€32k▲
2024 · €27k
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€346k€431k▲
Fixed assets21/28€114k€108k▼
Tangible fixed assets22/27€114k€108k▼
Land and buildings22€53k€58k▲
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€19k€18k▼
Other tangible fixed assets26€36k€27k▼
Current assets29/58€232k€323k▲
Amounts receivable within one year40/41€42k€35k▼
Trade receivables40€42k€34k▼
Other amounts receivable41€646€1k▲
Cash at bank and in hand54/58€188k€286k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€346k€431k▲
Equity10/15€324k€385k▲
Contributions10/11€62k€62k=
Reserves13€269k€330k▲
Tax-exempt reserves132€19k€19k=
Distributable reserves133€251k€312k▲
Profit (loss) carried forward14€-6k€-6k▲
Amounts payable17/49€22k€46k▲
Amounts payable within one year42/48€22k€46k▲
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€17k€28k▲
Taxes450/3€17k€28k▲
Other amounts payable47/48-€14k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€37k▲
Other operating charges640/8€3k€3k▲
Non-recurring operating charges66A-€96
Gross operating margin9900€118k€145k▲
Operating profit (loss)9901€92k€105k▲
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€114€162▲
Recurring financial charges65€114€162▲
Profit (loss) for the period before taxes9903€93k€107k▲
Income taxes67/77€27k€32k▲
Profit (loss) for the period9904€66k€75k▲
Profit (loss) for the period to be appropriated9905€66k€75k▲
Appropriation of the result
Profit (loss) to be appropriated9906€60k€69k▲
Profit (loss) brought forward from the previous period14P€-7k€-6k▲
Transfer from equity791/2-€14k
Transfer to equity691/2€66k€75k▲
To other reserves6921€66k€75k▲
Profit to be distributed694/7-€14k
Return on contributions (dividend)694-€14k
The notes to these accounts (7 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 10.75
Current ratio from 4.57 to 10.75; short-term debt falls from €40k to €22k.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €258k ▲35.5%
5 profitable years in a row build equity to €258k.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 3.05
Current ratio from 0.99 to 3.05; short-term debt falls from €135k to €27k.
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €99k ▲585%
Operating result €107k, net result €99k, both a record.
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 19 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2013
08-03
State Gazette act
Director resignation · Director appointment
Permanent representative · Statutes amendment
2010
25-03
State Gazette act
Board meeting · General meeting
Director resignation · Director appointment
2006
14-06
State Gazette act
General meeting · Director resignation
Director discharge · Officer discharge condition
Financial milestoneState Gazette actNBB 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, Oudsbergen · 1 establishment unit since 2000
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.
Weg naar Helchteren 813670 OudsbergenGround area
916 m²
Building footprint
353 m²
Volume, LiDAR
1,783 m³
Parcel 72022C0108/00T000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SMART NV
since 20002.097.418.429
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72022C0108/00T000 | Flanders | 916 m² | 1 · 353 m² | 8.6 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.
Structure & network
Ownership & control
1 partySMARTBE 0468.476.643
controls
Where this company holds controlthis company sits on their board1
1 subsidiary · 1 location
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 1,335 EUR awarded · 1,335 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 1,335 EUR | 1,335 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,730 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-12-1999
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
70120
70201
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.