Borré - Smet Consulting
ActiveBorré - Smet Consulting has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €431k and a net result of €12k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 95% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+35
Solvency100▲+11
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 21.2 against 2.74 in 2024; short-term debt: 4.6% and cash: 11.8% of total assets), and 4.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
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
95.4%
Return on assets
2.7%
Age of the figures
15 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 €431k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 13-01-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
20 d early
2023
36 d early
2022
8 d early
2021
25 d late
2020
59 d late
2019
26 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€431k▲ 2.9%
2024 · €419k
2019: €441k
2020: €627k
2021: €646k
2022: €393k
2023: €383k
2024: €419k
2019 → 2025
Total assets
€452k▼ 30.7%
2024 · €653k
2019: €937k
2020: €1.15M
2021: €1.18M
2022: €1.20M
2023: €611k
2024: €653k
2019 → 2025
Net result
€12k▼ 66.8%
2024 · €37k
2019: €41k
2020: €186k
2021: €22k
2022: €6k
2023: €-10k
2024: €37k
2019 → 2025
Working capital
€419k▲ 3.0%
2024 · €406k
2019: €421k
2020: €586k
2021: €615k
2022: €368k
2023: €369k
2024: €406k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€646k-€393k▼ 39.3%€383k▼ 2.5%€419k▲ 9.6%€431k▲ 2.9%
Operating result€47k-€33k▼ 29.3%€-7k€15k€13k▼ 16.8%
Net result€22k-€6k▼ 70.8%€-10k€37k€12k▼ 66.8%
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 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €452k
Fixed assets
€13k▼ 1.0%
Current assets
€439k▼ 31.3%
Equity and liabilities €452k
Equity
€431k▲ 2.9%
Debt
€21k▼ 91.1%
The debt ratio falls from 35.7% to 4.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k▼
2024 · €16k
Cash flow
€12k▼
2024 · €37k
Solvency
95.4%▲
2024 · 64.3%
Current ratio
21.20▲
2024 · 2.74
Quick ratio
21.20▲
2024 · 2.74
Debt / equity
0.05▼
2024 · 0.56
ROE
2.8%▼
2024 · 8.7%
ROA
2.7%▼
2024 · 5.6%
Interest coverage
153.09▲
2024 · 1.30
Debt
€21k▼
2024 · €233k
Debt ≤ 1 year
€21k▼
2024 · €233k
Income taxes
€6k▼
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€653k€452k▼
Fixed assets21/28€13k€13k▼
Tangible fixed assets22/27€13k€13k▼
Land and buildings22€13k€13k▼
Plant, machinery and equipment23€0€0=
Current assets29/58€640k€439k▼
Amounts receivable within one year40/41€11k€17k▲
Trade receivables40€9k€12k▲
Other amounts receivable41€2k€4k▲
Current investments50/53€570k€369k▼
Cash at bank and in hand54/58€59k€54k▼
Equity and liabilities
Total equity and liabilities10/49€653k€452k▼
Equity10/15€419k€431k▲
Contributions10/11€120€120=
Reserves13€429k€441k▲
Distributable reserves133€429k€441k▲
Profit (loss) carried forward14€-10k€-10k=
Amounts payable17/49€233k€21k▼
Amounts payable within one year42/48€233k€21k▼
Financial debts43€210k-
Other loans439€210k-
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€4k-
Taxes450/3€4k-
Other amounts payable47/48€18k€18k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€227€133▼
Other operating charges640/8€1k€3k▲
Gross operating margin9900€17k€16k▼
Operating profit (loss)9901€15k€13k▼
Financial income75/76B€47k€5k▼
Recurring financial income75€47k€5k▼
Financial charges65/66B€12k€85▼
Recurring financial charges65€12k€85▼
Profit (loss) for the period before taxes9903€50k€18k▼
Income taxes67/77€13k€6k▼
Profit (loss) for the period9904€37k€12k▼
Profit (loss) for the period to be appropriated9905€37k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€2k▼
Profit (loss) brought forward from the previous period14P€-10k€-10k=
Transfer to equity691/2€37k€12k▼
To other reserves6921€37k€12k▼
The notes to these accounts (7 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
13-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Liquidity times 8current ratio 21.20
Current ratio from 2.74 to 21.20; short-term debt falls from €233k to €21k.
11-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €37k
Net result €37k after one loss-making year.
2023
26-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €-10k ▼254%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
23-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 59 days late
2020
30-06
Financial
Highest result since 2019net €186k ▲349%
Operating result €288k, net result €186k, both a record.
30-06
Financial
Equity above €500kEq €627k ▲42.1%
2 profitable years in a row build equity to €627k.
26-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
25-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 25 days late
2018
05-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 5 days late
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Mechelen · 1 establishment unit since 1995
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.
Brusselsesteenweg 564A2800 MechelenGround area
1,117 m²
Building footprint
208 m²
Volume, LiDAR
1,587 m³
Parcel 12403E0513/00K005, Flanders · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BORRÉ CONSULTING
since 19952.235.500.503
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12403E0513/00K005 | Flanders | 1,117 m² | 1 · 208 m² | 9.9 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 41 EUR awarded · 41 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 41 EUR | 41 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,023 companies in sector 68203 we hold annual accounts for 5,986. 4,431 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-1995
Fiscal year end30-06
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 30 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.