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Complete company report
Generated 10-08-2026
Active BE 0795.922.909Private limited company

SMARTEC

Excelsiorlaan 71 ·1930 Zaventem, Belgium· 3 yrs active
Sector: Wholesale trade (46180)
Conclusion Checked

The computed 12-month bankruptcy probability of SMARTEC is 2.1% (moderate). The 2024 annual accounts show equity of €3k. Its solvency ranks better than 95% of 3354 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €3k
Better than sector 95%
Active 3 yrs
Board 1
Snowflake analysis 2 of 5 axes measured · computed by Checked

We have read too little about this company to state a profile. That is neither reassurance nor a warning.

Computed on 2 of 5 axes. Not measured: health, profitability, growth. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability -
Solvency 100
Growth -
Stability 79
Bankruptcy probability (12 mo) Checked model v1 · free
2.1% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No administrative flags
Health barometer
No health score: the filing is too brief
The accounts filed for FY 2024 supply 1 of the 6 factors this model weighs. Below 3 we publish no score, because it would mostly describe the model rather than this company.
This is not a judgement about the company. Micro and abbreviated schemas may omit turnover (rubriek 70), which makes the EBITDA margin and often the interest coverage impossible to compute.
Financial overview1 NBB filings
Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 100.0% 25.2%
better than 95% of 3354 sector peers
Equity €3k €23k
better than 30% of 3361 sector peers
Total assets €3k €105k
better than 5% of 3359 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Revenue-
EBITDA-
Net profit-
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€3k
Equity€3k
Debt-
of which ≤ 1y-
of which > 1y-
Working capital-
Employees (FTE)-
Ratios (computed)
2024
Current ratio-
Quick ratio-
Working capital ratio-
Solvency100.0%
Debt / equity-
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-
ROE-
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€3k
Current assets 29/58€3k
Amounts receivable within one year 40/41€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€3k
Equity 10/15€3k
Contributions / capital 10/11€3k
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • MNIKCHELI Sana
    Director
    State Gazette act 25079640 (25-06-2025)
    Current
    03-06-2025 → present
Former directors (1)
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Wholesale trade(46180)
Legal form Private limited company(610)
Incorporation09-01-2023
StatusActive
Postal code1930
Connections & network 47 connected companies
Network connections
ALTON GROUP
Shared address
→
AR ENERGIE
Shared address
→
ASinfra Belgium
Shared address
→
ASTURK TRANSPORT
Shared address
→
BANI GROUP
Shared address
→
Belgo Group Belgium
Shared address
→
BOA
Shared address
→
BRS SERVICES
Shared address
→
BTD SOLUTIONS
Shared address
→
C.N.R BOUW
Shared address
→
CANSAY
Shared address
→
CENTRAL 24
Shared address
→
DGN
Shared address
→
DYNAMISCH PROJECT
Shared address
→
E.N.S Tech
Shared address
→
ER.S
Shared address
→
ERVA & MINA
Shared address
→
EXPERT DEPANNAGE
Shared address
→
FLEXI CONSTRUCT
Shared address
→
HZ DIENST
Shared address
→
IHVANS
Shared address
→
JARRAD COMPANY
Shared address
→
K.E CARS
Shared address
→
KALOS COMPANY
Shared address
→
KARAN LOGISTICS
Shared address
→
KUMSAL
Shared address
→
KV CONCEPT
Shared address
→
LINKRA INFRA
Shared address
→
LTC Belgium
Shared address
→
Madotex
Shared address
→
→
MATIAS SPC
Shared address
→
mavi tech
Shared address
→
MGA
Shared address
→
MKV Group
Shared address
→
NG COMPANY
Shared address
→
NORTH LIGHTS
Shared address
→
PFMB-SFB FUNERAL
Shared address
→
PRIVILEGE CARS
Shared address
→
PYRAMIDE DESIGN
Shared address
→
Reletech
Shared address
→
SOLUTIONS BEN
Shared address
→
SOYUTLER
Shared address
→
TONY’S CONNECT
Shared address
→
VEGAMAT
Shared address
→
VIBE VAPE
Shared address
→
Yucco
Shared address
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Establishment units 1 location
SMARTEC
Hoogstraat 29/0001, 9600 RonseBemiddelingsactiviteiten in verband met de niet-gespecialiseerde detailhandel
since 20232.344.271.353
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23094D0036/00W000 Flanders 5,436 m² 1 · 1,487 m² 12.6 m · 3 fl.
45423E0310/00D000 Flanders 436 m² 1 · 110 m² 11.4 m · 3 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 5 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
16-12-2025
State Gazette act Registered-office change
v3.2
30-09-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
25-06-2025
State Gazette act Director changes
v3.2
2024
11-01-2024
State Gazette act Registered-office change
v3.2
2023
11-01-2023
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 4 acts
Address history · 2
16-12-2025
v3.2
11-01-2024
v3.2
All acts · 4 updated 7 months ago
2025
16-12-2025 Registered office moved from Tongeren-Borgloon to Zaventem Registered-office change
  • Stationslaan 26, 3700 Tongeren-Borgloon → Excelsiorlaan 71, 1930 Zaventem
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Zaventem",
        "region": "Vlaams Gewest",
        "street": "Excelsiorlaan",
        "country": "BE",
        "postcode": "1930",
        "box_number": null,
        "street_number": "71"
      },
      "old_address": {
        "city": "Tongeren-Borgloon",
        "region": "Vlaams Gewest",
        "street": "Stationslaan",
        "country": "BE",
        "postcode": "3700",
        "box_number": null,
        "street_number": "26"
      },
      "effective_date": "2025-12-08",
      "evidence_quote": "1.Het wordt beslist aan de eenparigheid van stemmen dat de maatschappelijke zetel naar het volgende adres te overplaatsen vanaf 08/12/2025. Excelsiorlaan 71 1930 Zaventem"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0795.922.909",
    "name_full": "SMARTEC",
    "legal_form": "BV"
  }
}
25-06-2025 1 director appointed, 1 resigning Director changes
  • MNIKCHELI Sana, Bestuurder
  • THOMAS Marine Fabienne, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "MNIKCHELI Sana",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-06-03",
      "evidence_quote": "De algemene vergadering beslist de benoeming van Mevrouw MNIKCHELI Sana als bestuurder vanaf 03 juni 2025."
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "THOMAS Marine Fabienne",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2025-06-03",
      "evidence_quote": "Mevrouw THOMAS Marine Fabienne neemt ontslag uit zijn bestuurder mandaat vanaf 03 juni 2025. De algemene vergadering verleent kwijting aan de bestuurder voor de uitoefening van zijn mandaat.",
      "discharge_granted": true
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0795.922.909",
    "name_full": "SMARTEC",
    "legal_form": "BV"
  }
}
2024
11-01-2024 Registered office moved from Ronse to Tongeren Registered-office change
  • Hoogstraat 29, 9600 Ronse → Stationslaan 26, 3700 Tongeren
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Tongeren",
        "region": null,
        "street": "Stationslaan",
        "country": "BE",
        "postcode": "3700",
        "box_number": "1",
        "street_number": "26"
      },
      "old_address": {
        "city": "Ronse",
        "region": null,
        "street": "Hoogstraat",
        "country": "BE",
        "postcode": "9600",
        "box_number": "1",
        "street_number": "29"
      },
      "effective_date": "2023-12-01",
      "evidence_quote": "Bij besluit van de Algemene Vergadering wordt de maatschappelijke zetel overgedragen naar: \u003C 26, bus 1, Stationslaan, 3700 Tongeren \u00BB. Vanaf, 01/12/2023."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0795.922.909",
    "name_full": "SMARTEC",
    "legal_form": "BV"
  }
}
2023
11-01-2023 Incorporation of a new BV Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "9600 Ronse, Hoogstraat 29/0001",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": null,
        "name": "THOMAS Marine Fabienne C.",
        "niss": null,
        "address": "9600 Ronse, Hoogstraat 29/0001"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 0,
      "holder_person_name": "THOMAS Marine Fabienne C.",
      "is_subscriber_only": false,
      "n_shares_subscribed": 100,
      "amount_subscribed_eur": 3000,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 3000,
  "subject_company": {
    "kbo": "0795.922.909",
    "name_full": "SMARTEC",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2023-01-06",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Handelsbemiddeling in de groothandel in andere specifieke goederen46180Groothandel in parfumerieën en cosmetica46450Overige niet-gespecialiseerde detailhandel47120Detailhandel in cosmetica en toiletartikelen47750Schoonheidsverzorging en andere schoonheidsbehandelingen96220
Primary activity highlighted.
Names & trade names
Legal nameNL SMARTEC
Registered office
Excelsiorlaan 71
1930 Zaventem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative