SMART Cleaning
ActiveSummary
SMART Cleaning has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55k and a net result of €29k. Equity is growing by ~26.9% per year across the filed fiscal years. Its solvency ranks better than 31% of 1046 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
62
/ 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
Profitability76▼-3
Solvency36▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.7 against 0.91 in 2024; short-term debt: 45% and cash: 28.8% of total assets), and 89.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
10.8%
Return on assets
5.6%
Age of the figures
9 mo
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
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
60 d late
2023
91 d late
2022
30 d late
2021
31 d late
2020
31 d late
2019
92 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, abbreviated schema
Equity
€55k▼ 36.4%
2024 · €87k
2018: €6k
2019: €3k
2020: €31k
2021: €40k
2022: €110k
2023: €100k
2024: €87k
2018 → 2025
Total assets
€512k▼ 17.3%
2024 · €619k
2018: €135k
2019: €162k
2020: €185k
2021: €239k
2022: €317k
2023: €425k
2024: €619k
2018 → 2025
Net result
€29k▼ 45.7%
2024 · €53k
2018: €-32k
2019: €-3k
2020: €28k
2021: €37k
2022: €69k
2023: €58k
2024: €53k
2018 → 2025
Working capital
€-70k▼ 191%
2024 · €-24k
2018: €-30k
2019: €-6k
2020: €14k
2021: €30k
2022: €105k
2023: €69k
2024: €-24k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€110k▲ 171%€100k▼ 8.9%€87k▼ 13.0%€55k▼ 36.4%
Operating result€50k-€105k▲ 110%€80k▼ 23.7%€92k▲ 15.5%€58k▼ 37.1%
Net result€37k-€69k▲ 86.2%€58k▼ 15.7%€53k▼ 9.1%€29k▼ 45.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 37% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €512k
Fixed assets
€352k ▼ 4.0%
Current assets
€160k ▼ 36.6%
Equity and liabilities €512k
Equity
€55k ▼ 36.4%
Debt
€456k ▼ 14.2%
Debt's share of the balance-sheet total rises from 85.9% to 89.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€89k▼
2024 · €116k
Cash flow
€60k▼
2024 · €77k
Current ratio
0.70▼
2024 · 0.91
Debt to equity
8.25▲
2024 · 6.11
ROE
52.1%▼
2024 · 61.0%
ROA
5.6%▼
2024 · 8.6%
Interest coverage
6.75▼
2024 · 9.34
Debt ≤ 1 year
€230k▼
2024 · €277k
Debt > 1 year
€226k▼
2024 · €255k
Income taxes
€16k▼
2024 · €28k
Staff costs
€1.11M▼
2024 · €1.25M
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€619k€512k▼
Fixed assets21/28€366k€352k▼
Tangible fixed assets22/27€366k€351k▼
Land and buildings22€272k€268k▼
Plant, machinery and equipment23€92k€82k▼
Furniture and vehicles24€2k€2k▼
Financial fixed assets28-€390
Current assets29/58€253k€160k▼
Amounts receivable within one year40/41€4k€7k▲
Trade receivables40€4k€7k▲
Cash at bank and in hand54/58€242k€147k▼
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€619k€512k▼
Equity10/15€87k€55k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€67k€35k▼
Amounts payable17/49€532k€456k▼
Amounts payable after more than one year17€255k€226k▼
Financial debts170/4€255k€226k▼
Amounts payable within one year42/48€277k€230k▼
Current portion of amounts payable after more than one year42€41k€41k▼
Financial debts43€15k€19k▲
Credit institutions430/8€15k€19k▲
Trade debts44€7k€15k▲
Suppliers440/4€7k€15k▲
Taxes, remuneration and social security45€212k€154k▼
Taxes450/3€23k€4k▼
Remuneration and social security454/9€189k€149k▼
Other amounts payable47/48€2k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€1.25M€1.11M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€31k▲
Other operating charges640/8€746€698▼
Non-recurring operating charges66A-€2k
Gross operating margin9900€1.36M€1.20M▼
Operating profit (loss)9901€92k€58k▼
Financial income75/76B€1k€479▼
Recurring financial income75€1k€479▼
Financial charges65/66B€12k€13k▲
Recurring financial charges65€12k€13k▲
Profit (loss) for the period before taxes9903€81k€45k▼
Income taxes67/77€28k€16k▼
Profit (loss) for the period9904€53k€29k▼
Profit (loss) for the period to be appropriated9905€53k€29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€114k€95k▼
Profit (loss) brought forward from the previous period14P€61k€66k▲
Transfer from equity791/2€19k-
Profit to be distributed694/7€66k€60k▼
Return on contributions (dividend)694€66k€60k▼
Social balance
Average headcount (FTE)908738.737.1▼
The notes to these accounts (13 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 · abbreviated schema · 31 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 60 days late
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 91 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €69k ▲86.2%
Operating result €105k, net result €69k, both a record.
31-12
Financial
Equity above €100kEq €110k ▲171%
3 profitable years in a row build equity to €110k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Back to profitnet €28k
Net result €28k after 2 loss-making years.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · 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
11 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, Ukkel · 1 establishment unit since 2013
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.
Alsembergsesteenweg 8421180 UkkelGround area
1,616 m²
Building footprint
1,089 m²
Volume, LiDAR
6,528 m³
Parcel 21614E0126/00A002, Brussels · tallest building 12.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Alsembergsesteenweg 842, 1180 Ukkel
since 20132.225.998.362
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614E0126/00A002 | Brussels | 1,616 m² | 1 · 1,089 m² | 12.7 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 2025 · 9 entries · 1,341,300 EUR awarded · 1,338,219 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 303,945 EUR | 302,893 EUR |
| 2024 | 2 | 386,968 EUR | 386,542 EUR |
| 2023 | 2 | 361,405 EUR | 360,431 EUR |
| 2022 | 2 | 288,982 EUR | 288,353 EUR |
Schemes
Dienstencheques
Opleidingsfonds dienstencheques
Recognitions: source did not answer, try again later.
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Of 810 companies in sector 96910 we hold annual accounts for 618. 478 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
Founded28-10-2013
Fiscal year end31-12
Activities, NACEBEL 2025
96910Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.