BeSMC
ActiveBeSMC has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117k and a net result of €72k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 47% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency78▲+22
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.0 against 1.32 in 2024; short-term debt: 47.3% and cash: 74.5% of total assets), and 47.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
52.7%
Return on assets
32.5%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €117k
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 01-07-2026, 30 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
30 d early
2024
59 d late
2023
69 d late
2022
24 d late
2021
31 d late
2020
60 d late
2019
35 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€117k▲ 161%
2024 · €45k
2019: €18k
2020: €78k
2021: €122k
2022: €32k
2023: €72k
2024: €45k
2019 → 2025
Total assets
€222k▲ 52.3%
2024 · €146k
2019: €74k
2020: €138k
2021: €180k
2022: €208k
2023: €95k
2024: €146k
2019 → 2025
Net result
€72k▲ 60.7%
2024 · €45k
2019: €19k
2020: €60k
2021: €45k
2022: €60k
2023: €40k
2024: €45k
2019 → 2025
Working capital
€105k▲ 224%
2024 · €32k
2019: €10k
2020: €67k
2021: €109k
2022: €15k
2023: €54k
2024: €32k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€122k-€32k▼ 73.8%€72k▲ 125%€45k▼ 37.7%€117k▲ 161%
Operating result€59k-€77k▲ 30.8%€52k▼ 32.1%€58k▲ 11.2%€98k▲ 68.3%
Net result€45k-€60k▲ 33.9%€40k▼ 33.3%€45k▲ 12.0%€72k▲ 60.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 68% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €222k
Fixed assets
€11k▼ 7.6%
Current assets
€210k▲ 57.9%
Equity and liabilities €222k
Equity
€117k▲ 161%
Debt
€105k▲ 4.2%
The debt ratio falls from 69.2% to 47.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€100k▲
2024 · €64k
Cash flow
€74k▲
2024 · €51k
Solvency
52.7%▲
2024 · 30.8%
Current ratio
2.00▲
2024 · 1.32
Quick ratio
2.00▲
2024 · 1.32
Debt / equity
0.90▼
2024 · 2.25
ROE
61.6%▼
2024 · 100.0%
ROA
32.5%▲
2024 · 30.8%
Interest coverage
593.81▲
2024 · 547.54
Debt
€105k▲
2024 · €101k
Debt ≤ 1 year
€105k▲
2024 · €101k
Income taxes
€26k▲
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 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€146k€222k▲
Fixed assets21/28€12k€11k▼
Tangible fixed assets22/27€12k€11k▼
Plant, machinery and equipment23€720€1k▲
Furniture and vehicles24€11k€10k▼
Financial fixed assets28€150€150=
Current assets29/58€133k€210k▲
Amounts receivable within one year40/41€32k€44k▲
Trade receivables40€26k€40k▲
Other amounts receivable41€7k€4k▼
Cash at bank and in hand54/58€100k€165k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€146k€222k▲
Equity10/15€45k€117k▲
Contributions10/11€1€1=
Profit (loss) carried forward14€45k€117k▲
Amounts payable17/49€101k€105k▲
Amounts payable within one year42/48€101k€105k▲
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45-€9k
Taxes450/3-€9k
Other amounts payable47/48€99k€94k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€2k▼
Other operating charges640/8€2k€929▼
Gross operating margin9900€66k€101k▲
Operating profit (loss)9901€58k€98k▲
Financial income75/76B€3€4▲
Recurring financial income75€3€4▲
Financial charges65/66B€118€169▲
Recurring financial charges65€118€169▲
Profit (loss) for the period before taxes9903€58k€98k▲
Income taxes67/77€13k€26k▲
Profit (loss) for the period9904€45k€72k▲
Profit (loss) for the period to be appropriated9905€45k€72k▲
Appropriation of the result
Profit (loss) to be appropriated9906€117k€117k▲
Profit (loss) brought forward from the previous period14P€72k€45k▼
Profit to be distributed694/7€72k-
Return on contributions (dividend)694€72k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €72k ▲60.7%
Operating result €98k, net result €72k, both a record.
31-12
Financial
Equity above €100kEq €117k ▲161%
7 profitable years in a row build equity to €117k.
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
2024
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 69 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 3.31
Current ratio from 1.09 to 3.31; short-term debt falls from €176k to €23k.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €100kEq €122k ▲56.5%
3 profitable years in a row build equity to €122k.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Agatha-Berchem · 1 establishment unit since 2019
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Gisseleire Versélaan 621082 Sint-Agatha-BerchemGround area
409 m²
Building footprint
95 m²
Volume, LiDAR
889 m³
Parcel 21342B0073/00N015, Brussels · tallest building 14.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BeSMC
since 20192.291.738.034
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21342B0073/00N015 | Brussels | 409 m² | 1 · 95 m² | 14.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
DELGRACO
BE 0736.397.373
Kruisem · Eq €117k
JorisRelecom
BE 0767.513.092
Schilde · Eq €117k
Fim TexC
BE 0678.768.485
Antwerpen · Eq €117k
NICOLAERS INVEST
BE 0810.081.741
Diepenbeek · Eq €117k
INARO
BE 1021.457.609
Montigny-le-Tilleul · Eq €117k
Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 40,828 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-07-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:stephane.befahy@gmail.com
Phone:0474/653.847