H&S SMARTBOARDSERVICE
ActiveSummary
H&S SMARTBOARDSERVICE has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €105k and a net result of €46k. Its solvency ranks better than 85% of 2544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52
Track record82
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days only on tighter terms
Liquidity ample (current ratio 4.04 against 4.28 in 2024; short-term debt: 22.9% and cash: 3.2% of total assets), and 22.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
77.1%
Return on assets
33.6%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
← 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
€105k▲ 77.0%
2024 · €59k
2024: €59k
2024 → 2025
Total assets
€136k▲ 77.5%
2024 · €77k
2024: €77k
2024 → 2025
Net result
€46k▼ 19.6%
2024 · €57k
2024: €57k
2024 → 2025
Working capital
€95k▲ 66.2%
2024 · €57k
2024: €57k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€59k-€105k▲ 77.0%
Operating result€69k-€53k▼ 23.6%
Net result€57k-€46k▼ 19.6%
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 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €136k
Fixed assets
€10k ▲ 340%
Current assets
€126k ▲ 69.2%
Equity and liabilities €136k
Equity
€105k ▲ 77.0%
Debt
€31k ▲ 78.9%
Debt's share of the balance-sheet total rises from 22.7% to 22.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€54k▼
2024 · €70k
Cash flow
€47k▼
2024 · €57k
Current ratio
4.04▼
2024 · 4.28
Debt to equity
0.30▲
2024 · 0.29
ROE
43.5%▼
2024 · 95.8%
ROA
33.6%▼
2024 · 74.1%
Interest coverage
1682.42▼
2024 · 38277.61
Debt ≤ 1 year
€31k▲
2024 · €17k
Income taxes
€12k▼
2024 · €15k
Staff costs
€76▼
2024 · €643
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€77k€136k▲
Fixed assets21/28€2k€10k▲
Tangible fixed assets22/27€2k€10k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24€2k€8k▲
Current assets29/58€74k€126k▲
Amounts receivable within one year40/41€74k€121k▲
Trade receivables40€4k€7k▲
Other amounts receivable41€70k€115k▲
Cash at bank and in hand54/58€49€4k▲
Equity and liabilities
Total equity and liabilities10/49€77k€136k▲
Equity10/15€59k€105k▲
Contributions10/11€3k€3k=
Reserves13€57k€103k▲
Distributable reserves133€57k€103k▲
Amounts payable17/49€17k€31k▲
Amounts payable within one year42/48€17k€31k▲
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€15k€27k▲
Taxes450/3€15k€27k▲
Income statement
Code20242025
Remuneration, social security and pensions62€643€76▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€297€1k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€73k€57k▼
Operating profit (loss)9901€69k€53k▼
Financial income75/76B€2k€5k▲
Recurring financial income75€2k€5k▲
Financial charges65/66B€2€32▲
Recurring financial charges65€2€32▲
Profit (loss) for the period before taxes9903€71k€58k▼
Income taxes67/77€15k€12k▼
Profit (loss) for the period9904€57k€46k▼
Profit (loss) for the period to be appropriated9905€57k€46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€57k€46k▼
Transfer to equity691/2€57k€46k▼
To other reserves6921€57k€46k▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €100kEq €105k ▲77%
2 profitable years in a row build equity to €105k.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Kinrooi · 1 establishment unit since 2024
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.
Makkestraat (Mol) 33640 KinrooiGround area
4,248 m²
Building footprint
126 m²
Volume, LiDAR
681 m³
Parcel 72023D0454/00E000, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Budget Banden Biësel
since 20242.360.934.567
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72023D0454/00E000 | Flanders | 4,248 m² | 1 · 126 m² | 6.6 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.
Similar companies · same sector, comparable size
VOLTAK SERVICES
BE 0480.204.042
Deinze · Eq €107k
M. Matthessen
BE 0421.753.228
Kapellen · Eq €98k
NIJS PATRICK
BE 0834.985.205
Lanaken · Eq €117k
GETRALUX
BE 0415.738.040
Vorst · Eq €94k
LUMINELLO
BE 0847.947.769
Nazareth-De Pinte · Eq €121k
Of 407 companies in sector 95210 we hold annual accounts for 116. 91 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
Founded27-06-2024
Fiscal year end31-12
Activities, NACEBEL 2025
95210Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.