BOB SMOLDERS
ActiveBOB SMOLDERS has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €9k. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 52% of 16935 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 100
Excellent▲ +18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency94▲+45
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.79 against 1.07 in 2024), and 38.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
61.5%
Return on assets
15.8%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
3 d early
2022
25 d late
2021
3 d early
2020
11 d early
2019
3 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▲ 34.5%
2024 · €27k
2018: €24k
2019: €24k
2020: €27k
2021: €27k
2022: €27k
2023: €27k
2024: €27k
2018 → 2025
Total assets
€60k▼ 34.3%
2024 · €91k
2018: €138k
2019: €65k
2020: €98k
2021: €97k
2022: €103k
2023: €101k
2024: €91k
2018 → 2025
Net result
€9k▼ 80.8%
2024 · €49k
2018: €32k
2019: €30k
2020: €54k
2021: €44k
2022: €48k
2023: €58k
2024: €49k
2018 → 2025
Working capital
€18k▲ 280%
2024 · €5k
2018: €14k
2019: €18k
2020: €16k
2021: €5k
2022: €6k
2023: €6k
2024: €5k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€27k=€27k=€27k=€37k▲ 34.5%
Operating result€60k-€66k▲ 9.6%€74k▲ 12.6%€65k▼ 12.2%€15k▼ 76.4%
Net result€44k-€48k▲ 8.1%€58k▲ 20.9%€49k▼ 15.5%€9k▼ 80.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 76% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€19k▼ 17.4%
Current assets
€41k▼ 39.9%
Equity and liabilities €60k
Equity
€37k▲ 34.5%
Debt
€23k▼ 63.9%
The debt ratio falls from 70.0% to 38.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€19k▼
2024 · €68k
Cash flow
€13k▼
2024 · €52k
Solvency
61.5%▲
2024 · 30.0%
Current ratio
1.79▲
2024 · 1.07
Quick ratio
1.79▲
2024 · 1.07
Debt / equity
0.63▼
2024 · 2.33
ROE
25.6%▼
2024 · 179.4%
ROA
15.8%▼
2024 · 53.9%
Interest coverage
10.06▼
2024 · 24.57
Debt
€23k▼
2024 · €64k
Debt ≤ 1 year
€23k▼
2024 · €64k
Income taxes
€4k▼
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€91k€60k▼
Fixed assets21/28€23k€19k▼
Tangible fixed assets22/27€23k€19k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€3k€1k▼
Other tangible fixed assets26€17k€15k▼
Current assets29/58€68k€41k▼
Amounts receivable within one year40/41€12k€0▼
Trade receivables40€12k€0▼
Other amounts receivable41€87€0▼
Cash at bank and in hand54/58€42k€31k▼
Deferred charges and accrued income490/1€14k€10k▼
Equity and liabilities
Total equity and liabilities10/49€91k€60k▼
Equity10/15€27k€37k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€634€634=
Profit (loss) carried forward14€6k€16k▲
Amounts payable17/49€64k€23k▼
Amounts payable within one year42/48€64k€23k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€5k€7k▲
Other amounts payable47/48€57k€13k▼
Income statement
Code20242025
Non-recurring operating income76A€10k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€811€782▼
Gross operating margin9900€69k€20k▼
Operating profit (loss)9901€65k€15k▼
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€62k€13k▼
Income taxes67/77€13k€4k▼
Profit (loss) for the period9904€49k€9k▼
Profit (loss) for the period to be appropriated9905€49k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€55k€16k▼
Profit (loss) brought forward from the previous period14P€6k€6k=
Profit to be distributed694/7€49k€0▼
Return on contributions (dividend)694€49k€0▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €9k ▼80.8%
Net result drops to €9k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €58k ▲20.9%
Operating result €74k, net result €58k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Malle · 1 establishment unit since 2015
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.
Geurtsestraat 92390 MalleGround area
1,665 m²
Building footprint
214 m²
Volume, LiDAR
1,120 m³
Parcel 11032B0101/00W002, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BOB SMOLDERS
since 20152.238.991.513
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11032B0101/00W002 | Flanders | 1,665 m² | 1 · 214 m² | 7.5 m · 2 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.
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Of 29,884 companies in sector 62200 we hold annual accounts for 18,321. 14,751 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-02-2015
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.