We Build Financial Clarity Through Real Analysis
Started in 2019, Smarts Guide emerged from a straightforward observation: most Belgian businesses struggle not because they lack revenue, but because they can't see their financial patterns clearly enough. We've spent the last six years working with manufacturing firms, service companies, and retailers across Wallonia and Flanders—helping them understand what their numbers actually mean.
How We Actually Work
Our approach isn't about complicated formulas or fancy software. We sit down with your existing data—invoices, bank statements, whatever you've got—and map out where money flows in your business.
Last year, we worked with a textile manufacturer in Verviers who thought they had a production cost problem. Turned out their actual issue was timing. They paid suppliers on 30-day terms but gave customers 90 days to pay. Simple cash flow analysis showed them exactly where the squeeze happened.
That's typical of what we do. We don't predict the future or promise miracles. We just help you see what's already there in your financial data, presented in a way that makes sense when you're trying to make decisions.
What Guides Our Work
Realistic Assessment
We won't tell you what you want to hear. If your margins are thin, we'll show you the numbers and discuss options. Some problems need operational changes, not just better tracking. We're honest about what financial analysis can and can't solve.
Practical Tools
Everything we create needs to work on a Tuesday morning when you're busy. Our reports use plain language. Our dashboards show the five numbers that actually matter to your type of business. No degree in accounting required.
Long-Term Thinking
Financial stability isn't a one-time fix. It's about building systems that keep working. We prefer clients who stay with us for years, checking in quarterly, adjusting as their business evolves. That's how real improvement happens.
Our Analysis Process
- Initial data review — We look at six months of transactions to understand your business rhythm. Seasonal patterns, major expenses, typical customer payment behavior.
- Stability indicators — We calculate specific ratios that show financial health in your industry. Different metrics matter for retail versus manufacturing versus services.
- Scenario modeling — What happens if a major customer pays late? What if material costs increase 15%? We model these situations using your actual numbers.
- Ongoing monitoring — Monthly check-ins on key indicators. We watch for changes that might signal problems developing, usually before they become urgent.
Ready to Understand Your Numbers Better?
We're currently scheduling financial assessments for March and April 2026. Initial consultations take about 90 minutes, and we'll need access to your last six months of financial records.