Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Late annual account NBB
Fiscal year 2024 was filed 271 days after the legal deadline.
-
Busy address KBO
12 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2024
SMART 4 INVEST from Waterloo, company number BE0684588683, closed financial year 2024 with a result of € -162,870 after tax. For that financial year SMART 4 INVEST recorded a gross margin of € 378,638 and equity of € 36,351. Compared with financial year 2023, the result moved from € 62,247 to € -162,870. The company made a loss. The buffer shrank hard: equity is 82 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on April 28, 2026.
€ 36,351
▼ 82% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -162,870
▼ still € 62,247 profit in 2023
Profit after tax over the fiscal year.
€ 50,779
▼ 21% vs 2023
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 17,751.
People and assets in 2024
9.8
▲ 5.1 vs 2023
Average over the fiscal year, from the social balance sheet.
€ 436,351
▲ 61% vs 2023
€ 44,500 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 47,279
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 118,741
▼ 30% vs 2023
€ 31,371 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 770,777
▲ 10% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 486,244
▼ 3% vs 2023
Taxes, VAT and social contributions still to pay.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 645,825 | € 572,516 | € 485,194 | € 378,638 | ▼ 22% |
| Profit after taxes | € 85,987 | € 23,992 | € 62,247 | € -162,870 | ▼ € 225,116 |
| Equity | € 111,981 | € 136,974 | € 199,220 | € 36,351 | ▼ 82% |
| Total debts | € 995,051 | € 1,751,214 | € 1,533,288 | € 1,484,087 | ▼ 3% |
| Cash | € 246,047 | € 8,812 | € 64,079 | € 50,779 | ▼ 21% |
| Retained profit | € 94,381 | € 118,374 | € 180,620 | € 17,751 | ▼ 90% |
| Bank debt | € 0 | € 0 | € 169,649 | € 118,741 | ▼ 30% |
| Balance sheet total | € 1,107,032 | € 1,888,188 | € 1,732,509 | € 1,520,437 | ▼ 12% |
| Employees (FTE) | - | 10.8 | 4.7 | 9.8 | ▲ 5.1 |
Key figures of SMART 4 INVEST, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to SMART 4 INVEST?
What happened at SMART 4 INVEST in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: loss of € 162,870 (▼ € 225,116 vs 2023). filed late Source: NBB ↗
- JV CAPITAL SRL became a director. NBB
- New establishment in Lasne. KBO
- New establishment in Sint-Genesius-Rode. KBO
- Start of the company according to the CBE. KBO
In short
From € 85,987 profit in 2021 to € 162,870 loss in 2024.
Paid € 73,502 in corporate taxes since 2021.
Best year ever: 2021, with € 85,987 profit.
On average € 38,600 of value added per employee in 2024.
A new publication or filing at SMART 4 INVEST? We notify you, reason included.
Follow SMART 4 INVESTDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind SMART 4 INVEST is JV CAPITAL SRL. JV CAPITAL SRL is also behind SMART MANAGEMENT 2.0 and CLEVER FINANCE.
Directors
According to the 2024 annual accounts
Director · represented by Jorge-Henry Libert
Also active at: SMART MANAGEMENT 2.0, CLEVER FINANCE
since 2023
Establishments
Establishment units
Physical locations of this company
Drève Richelle 161 box M
1410 Waterloo
Waterloose Steenweg 198
1640 Sint-Genesius-Rode
Active since 10 November 2017
Chaussée de Louvain 431 F
1380 Lasne
Active since 1 April 2022
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 12 companies are registered at this address.
All companies at this address →BELAIRBUS
B- FINANCES
€ -13,888 gross margin · 2025
BATIMELEC
€ 15,076 gross margin · 2024
INTERNATIONAL MONTAGE MAINTENANCE
€ 11.5 million revenue · 2025
H.A.B.S.
€ -18,903 gross margin · 2026
+7 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0684.588.683
- VAT number
- BE 0684.588.683
- Registered office
- Drève Richelle 161 bus M, 1410 Waterloo
- Names & denominations
- SMART 4 INVEST · S4I
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 10 November 2017
- Peppol
- Active · Active since 10 Feb 2026
- Activities · NACE
Overige zakelijke dienstverlening, neg
Handelsbemiddeling in de niet-gespecialiseerde groothandel
Detailhandel in vaste, vloeibare en gasvormige brandstoffen, muv motorbrandstoffen
Overige detailhandel, niet in winkels en exclusief markt- en straathandel