Anke Smets Consulting
ActiveAnke Smets Consulting has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €19k. Equity is growing by ~44% per year across the filed fiscal years. Its solvency ranks better than 92% of 1089 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 9.41 against 6.25 in 2024), and 9.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
6 signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
90.8%
Return on assets
22.6%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-06-2026, 52 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
52 d early
2024
41 d early
2023
5 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€75k▲ 29.2%
2024 · €58k
2023: €24k
2024: €58k
2023 → 2025
Total assets
€83k▲ 24.2%
2024 · €66k
2023: €35k
2024: €66k
2023 → 2025
Net result
€19k▼ 45.3%
2024 · €34k
2023: €6k
2024: €34k
2023 → 2025
Working capital
€64k▲ 44.0%
2024 · €44k
2023: €22k
2024: €44k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€24k-€58k▲ 142%€75k▲ 29.2%
Operating result€9k-€50k▲ 430%€29k▼ 42.4%
Net result€6k-€34k▲ 514%€19k▼ 45.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€11k▼ 19.6%
Current assets
€72k▲ 35.4%
Equity and liabilities €83k
Equity
€75k▲ 29.2%
Debt
€8k▼ 10.2%
The debt ratio falls from 12.8% to 9.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€31k▼
2024 · €51k
Cash flow
€21k▼
2024 · €36k
Solvency
90.8%▲
2024 · 87.2%
Current ratio
9.41▲
2024 · 6.25
Quick ratio
9.41▲
2024 · 6.25
Debt / equity
0.10▼
2024 · 0.15
ROE
24.8%▼
2024 · 58.7%
ROA
22.6%▼
2024 · 51.2%
Interest coverage
13.37▼
2024 · 21.33
Debt
€8k▼
2024 · €8k
Debt ≤ 1 year
€8k▼
2024 · €8k
Income taxes
€8k▼
2024 · €13k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Total assets
20/58€83k
Fixed assets
21/28€11k
Tangible fixed assets
22/27€11k
Current assets
29/58€72k
Amounts receivable within one year
40/41€23k
Cash & bank
54/58€48k
Total equity & liabilities
10/49€83k
Equity
10/15€75k
Contributions / capital
10/11€20k
Reserves
13€55k
Amounts payable
17/49€8k
Amounts payable within one year
42/48€8k
Trade debts payable within one year
44€2k
Income statement
Code2025
Gross operating margin
9900€38k
Operating result
9901€29k
Financial income
75€0
Financial charges
65€2k
Result before taxes
9903€26k
Income taxes
67/77€8k
Net result for the period
9904€19k
Result to be appropriated
9905€19k
This is the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €34k ▲514%
Operating result €50k, net result €34k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 6.25
Current ratio from 3.09 to 6.25; short-term debt falls from €11k to €8k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 24,569 companies in sector 82990 we hold annual accounts for 9,060. 6,873 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-04-2023
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
85592Vocational training
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-07-2026. Scores and ratios are computed by Checked and are not a credit decision.