Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 1 of the last 1 fiscal years.
-
Tight liquidity NBB
Cash and receivables cover 32 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Smart and Wise from Herve, company number BE1016341452, closed financial year 2025 with a result of € -36,914 after tax. For that financial year Smart and Wise recorded a gross margin of € -33,086 and equity of € -31,914. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 31, 2026.
€ -31,914
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -36,914
Profit after tax over the fiscal year.
Loss, nothing to pay out
Reserves fell to € -36,914.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 3,185
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 37,597
€ 6,390 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 990
Supplier invoices still open on the last day of the fiscal year.
€ 3,551
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 →
What happened to Smart and Wise?
What happened at Smart and Wise in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 36,914. Source: NBB ↗
- New establishment in Herve. KBO
- BAUDRY VERRAGHENNE became a director. NBB
- Start of the company according to the CBE. KBO
A new publication or filing at Smart and Wise? We notify you, reason included.
Follow Smart and WiseDatabakkes 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 and Wise is BAUDRY VERRAGHENNE.
Directors
According to the 2025 annual accounts
BAUDRY VERRAGHENNE
Director
since 2024
Establishments
Establishment units
Physical locations of this company
Route de Bolland 19
4650 Herve
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 1016.341.452
- VAT number
- BE 1016.341.452
- Registered office
- Route de Bolland 19, 4650 Herve
- Names & denominations
- Smart and Wise
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 19 November 2024
- Peppol
- Active · Active since 12 Feb 2025
- Activities · NACE
Activiteiten van auto- en motorrijscholen
Personenvervoer over de weg zonder dienstregeling
Overige vormen van onderwijs
Grafisch ontwerp en visuele communicatie
Activiteiten van grafische designers
Overig personenvervoer te land, n.e.g.