What does SMART 4 INVEST do?

SMART 4 INVEST is filed with the CBE under the catch-all “Overige zakelijke dienstverlening”. Also registered: shop. Private Limited, started on 10 November 2017, 2 establishments.

What is the address of SMART 4 INVEST?

The registered office of SMART 4 INVEST is located at Drève Richelle 161 box M, 1410 Waterloo.

Is SMART 4 INVEST still active?

Yes. According to the CBE (31 October 2026) SMART 4 INVEST is active, legal situation “Normale toestand”, started on 10 November 2017.

Is SMART 4 INVEST registered on Peppol?

Yes, SMART 4 INVEST is registered on the Peppol network with ID 0208:0684588683.

What is the enterprise number of SMART 4 INVEST?

The enterprise number of SMART 4 INVEST is BE0684588683.

When was SMART 4 INVEST founded?

SMART 4 INVEST was founded on 10 November 2017.

Who are the directors of SMART 4 INVEST?

According to the 2024 annual accounts, the directors of SMART 4 INVEST are: JV CAPITAL SRL.

Is SMART 4 INVEST a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 10 November 2017; 4 annual accounts filed, latest fiscal year 2024; 1 directors known from the annual account; 2 establishments in the CBE.

How much profit did SMART 4 INVEST make in 2024?

SMART 4 INVEST recorded a loss after taxes of € 162,870 in financial year 2024.

What is the revenue of SMART 4 INVEST?

As a small company, SMART 4 INVEST is not required to publish revenue in its annual accounts. In financial year 2024, its added value was € 378,638.

How much does an employee at SMART 4 INVEST earn?

The average wage cost per full-time employee at SMART 4 INVEST was € 44,500 in 2024: staff costs of € 436,351 for 9.8 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does SMART 4 INVEST have?

According to the 2024 annual accounts, SMART 4 INVEST has 9.8 full-time equivalents (FTE).

SMART 4 INVEST (Private Limited) - Waterloo

Dossier SMART 4 INVEST, printed on 31 October 2026 from databakkes.be/en/0684588683/smart-4-invest. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

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

10 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.

What it is worth Shrank hard

€ 36,351

▼ 82% vs 2023

Assets minus debts, by the books. What is left if everything were sold and paid today.

Loss Caution

€ -162,870

▼ still € 62,247 profit in 2023

Profit after tax over the fiscal year.

Cash in the bank

€ 50,779

▼ 21% vs 2023

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Caution

Loss, nothing to pay out

Reserves fell to € 17,751.

People and assets in 2024

Full-time equivalents

9.8

▲ 5.1 vs 2023

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 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.

Vehicles and equipment

€ 47,279

Book value of vehicles, furniture and equipment.

Debts at end 2024

Bank debt ≈ 4 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 118,741

▼ 30% vs 2023

€ 31,371 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.

Owed to suppliers

€ 770,777

▲ 10% vs 2023

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 486,244

▼ 3% vs 2023

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2021	2022	2023	2024	Change 2023 → 2024
Gross margin	€ 645,825 Gross margin 2021: € 645,825 First fiscal year in the series	€ 572,516 Gross margin 2022: € 572,516 ▼ 11% vs 2021 (€ 645,825) Unfavourable step	€ 485,194 Gross margin 2023: € 485,194 ▼ 15% vs 2022 (€ 572,516) Unfavourable step	€ 378,638 Gross margin 2024: € 378,638 ▼ 22% vs 2023 (€ 485,194) Unfavourable step	▼ 22%
Profit after taxes	€ 85,987 Profit after taxes 2021: € 85,987 First fiscal year in the series	€ 23,992 Profit after taxes 2022: € 23,992 ▼ 72% vs 2021 (€ 85,987) Unfavourable step	€ 62,247 Profit after taxes 2023: € 62,247 ▲ 159% vs 2022 (€ 23,992) Favourable step	€ -162,870 Profit after taxes 2024: € -162,870 ▼ € 225,116 vs 2023 (€ 62,247) Unfavourable step	▼ € 225,116
Equity	€ 111,981 Equity 2021: € 111,981 First fiscal year in the series	€ 136,974 Equity 2022: € 136,974 ▲ 22% vs 2021 (€ 111,981) Favourable step	€ 199,220 Equity 2023: € 199,220 ▲ 45% vs 2022 (€ 136,974) Favourable step	€ 36,351 Equity 2024: € 36,351 ▼ 82% vs 2023 (€ 199,220) Unfavourable step	▼ 82%
Total debts	€ 995,051 Total debts 2021: € 995,051 First fiscal year in the series	€ 1,751,214 Total debts 2022: € 1,751,214 ▲ 76% vs 2021 (€ 995,051) Unfavourable step	€ 1,533,288 Total debts 2023: € 1,533,288 ▼ 12% vs 2022 (€ 1,751,214) Favourable step	€ 1,484,087 Total debts 2024: € 1,484,087 ▼ 3% vs 2023 (€ 1,533,288) Favourable step	▼ 3%
Cash	€ 246,047 Cash 2021: € 246,047 First fiscal year in the series	€ 8,812 Cash 2022: € 8,812 ▼ 96% vs 2021 (€ 246,047) Unfavourable step	€ 64,079 Cash 2023: € 64,079 ▲ € 55,267 vs 2022 (€ 8,812) Favourable step	€ 50,779 Cash 2024: € 50,779 ▼ 21% vs 2023 (€ 64,079) Unfavourable step	▼ 21%
Retained profit	€ 94,381 Retained profit 2021: € 94,381 First fiscal year in the series	€ 118,374 Retained profit 2022: € 118,374 ▲ 25% vs 2021 (€ 94,381) Favourable step	€ 180,620 Retained profit 2023: € 180,620 ▲ 53% vs 2022 (€ 118,374) Favourable step	€ 17,751 Retained profit 2024: € 17,751 ▼ 90% vs 2023 (€ 180,620) Unfavourable step	▼ 90%
Bank debt	€ 0 Bank debt 2021: € 0 First fiscal year in the series	€ 0 Bank debt 2022: € 0 Unchanged (€ 0) Unchanged	€ 169,649 Bank debt 2023: € 169,649 Unchanged (€ 0) Unfavourable step	€ 118,741 Bank debt 2024: € 118,741 ▼ 30% vs 2023 (€ 169,649) Favourable step	▼ 30%
Balance sheet total	€ 1,107,032 Balance sheet total 2021: € 1,107,032 First fiscal year in the series	€ 1,888,188 Balance sheet total 2022: € 1,888,188 ▲ 71% vs 2021 (€ 1,107,032) Unchanged	€ 1,732,509 Balance sheet total 2023: € 1,732,509 ▼ 8% vs 2022 (€ 1,888,188) Unchanged	€ 1,520,437 Balance sheet total 2024: € 1,520,437 ▼ 12% vs 2023 (€ 1,732,509) Unchanged	▼ 12%
Employees (FTE)	-	10.8 Employees (FTE) 2022: 10.8 First fiscal year in the series	4.7 Employees (FTE) 2023: 4.7 ▼ 6.1 vs 2022 (10.8) Unchanged	9.8 Employees (FTE) 2024: 9.8 ▲ 5.1 vs 2023 (4.7) Unchanged	▲ 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:

Apr 28, 2026 New annual accounts for financial year 2024: loss of € 162,870 (▼ € 225,116 vs 2023). filed late Source: NBB ↗
2023 JV CAPITAL SRL became a director. NBB
Apr 1, 2022 New establishment in Lasne. KBO
Nov 10, 2017 New establishment in Sint-Genesius-Rode. KBO
Nov 10, 2017 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.

Original PDFs at the National Bank ↗

Management

JV CAPITAL SRL

SMART 4 INVEST

SMART MANAGEMENT 2.0

CLEVER FINANCE

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

JV CAPITAL SRL

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

Registered office

Drève Richelle 161 box M

1410 Waterloo

2.271.341.409

Waterloose Steenweg 198

1640 Sint-Genesius-Rode

Active since 10 November 2017

2.330.255.150

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 10 companies are registered at this address.

All companies at this address →

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H.A.B.S.

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+5 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

View on CBE Public ↗ Annual accounts (NBB) ↗