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SMARTIMMO

Active
Private limited companyfounded 200818 yrs activeCoenraetsstraat 72, 1060 Sint-Gillis (bij-Brussel), BelgiumKBO/BCE: BE 0899.570.872
Summary

The computed 12-month bankruptcy probability of SMARTIMMO is 2.0% (moderate). The 2025 annual accounts show negative equity (-€205,766) and a net result of -€150,901. Equity is shrinking by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 24% of 1182 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
SMARTIMMOActiveChecked score 52/100
Risk analysis ReportCompare

Overview

Activity
Other personal services
NACE 96999Other business support services NACE 82990NACE 96099
#5 company by total assets in Sint-Gillis, Other services sector2 sites
Size
€794,984turnover 2025
Staff
12.3 FTE
Equity
-€205,766
Loss
-€150,901
Financial health
52 Fair Checked score 2025
Bankruptcy chance 12 m
2.0%
Structure
Holdings
3
Accounts 29 d early0 of 14 deeds read
Why 52- Negative equity -€205,766- Liquidity: current ratio 0.20, cash €317,812- Size: turnover €794,984, 12.3 FTE, total assets €8.1m- Loss of €150,901 (FY 2025)Show the evidence

Checked score

Score 2025
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 14% of its sector peers (NACE 96, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 22-2
equity -2.5% of total assets
Liquidity 5+1
short-term debt 95.9% · cash 3.9%
Profitability 61=
return on assets -1.9%
Bankruptcy probability, 12 months
2.0% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (350 companies)
Last 23 months 12-2024: 1.9% 01-2025: 1.9%● 0.0% vs 12-2024 02-2025: 1.9%▼ -1.6% vs 01-2025 03-2025: 1.9%▲ +1.5% vs 02-2025 04-2025: 1.9%▲ +1.2% vs 03-2025 05-2025: 1.9%▼ -1.0% vs 04-2025 06-2025: 2.0%▲ +4.9% vs 05-2025 07-2025: 2.4%▲ +16.9% vs 06-2025highest value 08-2025: 1.6%▼ -31.7% vs 07-2025 09-2025: 1.6%● 0.0% vs 08-2025 10-2025: 1.6%● 0.0% vs 09-2025 11-2025: 1.6%● 0.0% vs 10-2025 12-2025: 1.6%● 0.0% vs 11-2025 01-2026: 1.6%● 0.0% vs 12-2025 02-2026: 1.6%▲ +0.1% vs 01-2026 03-2026: 1.6%▲ +1.5% vs 02-2026 04-2026: 1.6%▼ -1.7% vs 03-2026 05-2026: 1.6%▼ -1.1% vs 04-2026lowest value 06-2026: 1.7%▲ +4.5% vs 05-2026 07-2026: 1.8%▲ +9.1% vs 06-2026 08-2026: 2.0%▲ +11.2% vs 07-2026 09-2026: 2.0%● 0.0% vs 08-2026 10-2026: 2.0%● 0.0% vs 09-2026
  • Negative equity -€205,766 raises the probability
  • Liquidity: current ratio 0.20, cash €317,812 raises the probability
  • Size: turnover €794,984, 12.3 FTE, total assets €8.1m raises the probability for this profile
  • Loss of €150,901 (FY 2025) raises the probability
No credit on open account
Liquidity short (current ratio 0.2 against 0.4 in 2024; short-term debt: 95.9% and cash: 3.9% of total assets), and equity is negative.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 96, small). Better than this share of them on solvency 9%, liquidity 3%, profitability 38%, growth against the median 6%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Negative equity -€205,766
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.20, cash €317,812
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Size: turnover €794,984, 12.3 FTE, total assets €8.1m
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
raises risk · Loss of €150,901 (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€205,766
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
29 d early
2024
31 d early
2023
37 d early
2022
31 d early
2021
28 d early
2020
43 d early
2019
101 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 14 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.

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. Usually files around 30 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · full…
  3. Back to profitnet €146,337

Key points

  • Risk: Negative equityfiscal year 2025: debts exceed assets -€205,766 View
  • Caution: Equity fell in 2025from -€54,865 to -€205,766 ▼ 275% View
  • Caution: Among the weakest 5% on net resultsector median €5,501 · 1,178 companies -€150,901 View
  • Positive: Always filed on timeaccounts within the deadline every year 6 years View

By topic

Financials

Fiscal year
2025
Turnover
€794,984
Loss
-€150,901
Solvency
-2.5%
Turnover▼ 13.5%
Net result
20192025
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 31-07-2027
  1. 02-07-2026Annual accounts filed
  2. 30-06-2025Annual accounts filed
  3. 31-12-2024Back to profit
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Other personal servicesNACE 96999
Founded
31-07-2008
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies

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