SMARTIQA SOLUTIONS
ActiveSummary
SMARTIQA SOLUTIONS has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32k and a net result of €75k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency47▼-34
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 2.25 in 2024; short-term debt: 78.2% and cash: 54.1% of total assets), and 78.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
21.8%
Return on assets
51.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 17043 sector peers (2025).
NBB · sector comparisonPosition among 17043 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 6 filingsDeviation from the deadline
2025
24 d late
2024
19 d late
2023
30 d late
2022
169 d late
2021
3 d late
2020
2 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
€32k▼ 52.5%
2024 · €67k
2020: €21k
2021: €53k
2022: €85k
2023: €143k
2024: €67k
2020 → 2025
Total assets
€146k▲ 22.1%
2024 · €120k
2020: €50k
2021: €110k
2022: €141k
2023: €266k
2024: €120k
2020 → 2025
Net result
€75k▲ 112%
2024 · €35k
2020: €19k
2021: €32k
2022: €31k
2023: €92k
2024: €35k
2020 → 2025
Working capital
€32k▼ 51.7%
2024 · €66k
2020: €21k
2021: €53k
2022: €86k
2023: €143k
2024: €66k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€85k▲ 60.5%€143k▲ 67.7%€67k▼ 53.0%€32k▼ 52.5%
Operating result€42k-€44k▲ 3.2%€124k▲ 182%€61k▼ 50.2%€101k▲ 63.8%
Net result€32k-€31k▼ 5.8%€92k▲ 200%€35k▼ 61.4%€75k▲ 112%
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 64% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €146k
Fixed assets
€130 ▼ 90.5%
Current assets
€146k ▲ 23.4%
Equity and liabilities €146k
Equity
€32k ▼ 52.5%
Debt
€114k ▲ 117%
Debt's share of the balance-sheet total rises from 43.9% to 78.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€102k▲
2024 · €63k
Cash flow
€76k▲
2024 · €36k
Current ratio
1.28▼
2024 · 2.25
Debt to equity
3.58▲
2024 · 0.78
ROE
234.8%▲
2024 · 52.6%
ROA
51.3%▲
2024 · 29.5%
Interest coverage
890.49▲
2024 · 411.68
Debt ≤ 1 year
€114k▲
2024 · €53k
Income taxes
€26k▼
2024 · €26k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€120k€146k▲
Fixed assets21/28€1k€130▼
Tangible fixed assets22/27€1k€130▼
Plant, machinery and equipment23€1k€130▼
Current assets29/58€118k€146k▲
Amounts receivable within one year40/41€69k€66k▼
Trade receivables40€58k€66k▲
Other amounts receivable41€11k-
Cash at bank and in hand54/58€49k€79k▲
Deferred charges and accrued income490/1€850€660▼
Equity and liabilities
Total equity and liabilities10/49€120k€146k▲
Equity10/15€67k€32k▼
Contributions10/11€1k€1k=
Reserves13€31k€31k=
Distributable reserves133€31k€31k=
Profit (loss) carried forward14€35k€69▼
Amounts payable17/49€53k€114k▲
Amounts payable within one year42/48€53k€114k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€49k€44k▼
Taxes450/3€49k€44k▼
Other amounts payable47/48€1k€68k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€64k€103k▲
Operating profit (loss)9901€61k€101k▲
Financial income75/76B€250-
Recurring financial income75€250-
Financial charges65/66B€152€115▼
Recurring financial charges65€152€115▼
Profit (loss) for the period before taxes9903€62k€101k▲
Income taxes67/77€26k€26k▼
Profit (loss) for the period9904€35k€75k▲
Profit (loss) for the period to be appropriated9905€35k€75k▲
Appropriation of the result
Profit (loss) to be appropriated9906€147k€110k▼
Profit (loss) brought forward from the previous period14P€111k€35k▼
Profit to be distributed694/7€111k€110k▼
Return on contributions (dividend)694€111k€110k▼
The notes to these accounts (4 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
16-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 169 days late
2023
31-12
Financial
Highest result since 2020net €92k ▲200%
Operating result €124k, net result €92k, both a record.
31-12
Financial
Equity above €100kEq €143k ▲67.7%
4 profitable years in a row build equity to €143k.
2022
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Brussel · 1 establishment unit since 2020
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.
Jean-Baptiste Depairelaan 901020 BrusselGround area
233 m²
Building footprint
97 m²
Volume, LiDAR
1,167 m³
Parcel 21816H0108/00B003, Brussels · tallest building 15.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SMARTIQA SOLUTIONS
since 20202.306.954.859
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21816H0108/00B003 | Brussels | 233 m² | 1 · 97 m² | 15.5 m · 4 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.
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 14,413 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
Founded10-09-2020
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.