Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 60 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
SMARTFIN from Visé, company number BE0550990880, closed financial year 2025 with a result of € 21,576 after tax. For that financial year SMARTFIN recorded a gross margin of € 51,202 and equity of € 67,985. Compared with financial year 2024, the result moved from € 17,007 to € 21,576. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.
€ 67,985
▲ 46% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 21,576
▲ 27% vs 2024
Profit after tax over the fiscal year.
€ 4,737
▼ 74% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 49,435.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 4,557
▼ 22% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 162,270
€ 20,464 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 202
▼ 92% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 60,209
▲ 21% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 20,459 | € 35,542 | € 45,278 | € 51,202 | ▲ 13% |
| Profit after taxes | € 254 | € 3,560 | € 17,007 | € 21,576 | ▲ 27% |
| Equity | € 25,843 | € 29,403 | € 46,409 | € 67,985 | ▲ 46% |
| Total debts | € 260,469 | € 252,407 | € 214,260 | € 222,681 | ▲ 4% |
| Cash | € 29,084 | € 4,066 | € 18,004 | € 4,737 | ▼ 74% |
| Land & buildings | € 243,476 | € 232,233 | € 220,989 | € 209,746 | ▼ 5% |
| Retained profit | € 7,293 | € 10,853 | € 27,859 | € 49,435 | ▲ 77% |
| Bank debt | € 201,605 | € 182,059 | € 162,076 | € 162,270 | |
| Balance sheet total | € 286,312 | € 281,809 | € 260,669 | € 290,666 | ▲ 12% |
Key figures of SMARTFIN, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to SMARTFIN?
What happened at SMARTFIN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 21,576 (▲ 27% vs 2024). filed late Source: NBB ↗
- New establishment in Visé. KBO
- Start of the company according to the CBE. KBO
- Brigitte Grifgnée became a director. NBB
In short
From € 254 profit in 2022 to € 21,576 profit in 2025.
Paid € 24,672 in corporate taxes since 2022.
Best year ever: 2025, with € 21,576 profit.
Management
Behind SMARTFIN is Brigitte Grifgnée.
Directors
According to the 2025 annual accounts
Brigitte Grifgnée
Director
since 2014
Establishments
Establishment units
Physical locations of this company
Rue du Pré aux Oies 56
4600 Visé
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0550.990.880
- VAT number
- BE 0550.990.880
- Registered office
- Rue du Pré aux Oies 56, 4600 Visé
- Names & denominations
- SMARTFIN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 April 2014
- Peppol
- Active · Active since 13 Oct 2025
- Activities · NACE
Activiteiten van (gecertificeerde) (fiscaal) accountants