Skip to content

DE SMET - MERTENS

Active
Private limited companyfounded 1995active for 30 yearsMiddeldorpe(STL) 25, 9980 Sint-Laureins, BelgiumKBO/BCE: BE 0456.906.028

From the official registers: KBO 31 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

DE SMET - MERTENS has been active since 1995 and the Belgian Official Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €147,106 and a net result of -€84,767. Equity remains stable across the filed financial years (±1% per year). The computed 12-month bankruptcy probability is 0.7% (low).

Overview

Official details

KBO
Status
Active since 22-12-1995 Normal situation
Legal form
Private limited company
Registered office
Middeldorpe(STL) 25, 9980 Sint-Laureins
Activity
“De activiteiten van tussenpersoon in bank- en beleggingsdiensten, hypothecaire en andere leningen, het uitoefenen…” (deed in Dutch)From the articles, 5 activitiesNo NACE code in the KBO yet
Establishment unit
2.075.044.883 9990 Maldegem, since 05-02-1996
Financial year end
28 February
Peppol
Not found in the Peppol Directory

How it is doing

69 Healthy Checked score 2026
Bankruptcy probabilitywithin 12 months
0.7%
Annual accounts to 28-02-2026
Gross margin
-€14,723
Loss
€84,767
Equity
€147,106
▼ 36.6%
Total assets
€214,523
▼ 34.1%
Turnover not published (abbreviated or micro format)2026 accounts 20 days early
Filed on 10-09-2026at the National Bank
Why 69raises riskLoss of €84,767 (financial year 2026)1 of the last 3 latelowers riskSize: total assets €214,523Founded in 1995Show the evidence

Checked score

Score 2026
69 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 33% of its sector peers (no NACE code, micro)
Financial strength · tick = 2025
Average
Solvency 94-2
equity 68.6% of total assets
Liquidity 64-28
short-term debt 8.1% · cash 11.3%
Profitability 0-81
return on assets -39.5%
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 0.8% 12-2024: 0.8%● unchanged vs 11-2024 01-2025: 0.8%● unchanged vs 12-2024 02-2025: 0.8%● unchanged vs 01-2025 03-2025: 0.8%● unchanged vs 02-2025 04-2025: 0.8%● unchanged vs 03-2025 05-2025: 0.8%● unchanged vs 04-2025 06-2025: 0.9%▲ +0.1 percentage points vs 05-2025 07-2025: 1.0%▲ +0.1 percentage points vs 06-2025 08-2025: 1.3%▲ +0.3 percentage points vs 07-2025 09-2025: 1.4%▲ +0.1 percentage points vs 08-2025 10-2025: 1.9%▲ +0.5 percentage points vs 09-2025highest value 11-2025: 0.2%▼ -1.7 percentage points vs 10-2025lowest value 12-2025: 0.2%● unchanged vs 11-2025lowest value 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.3%▲ +0.1 percentage points vs 06-2026 08-2026: 0.3%● unchanged vs 07-2026 09-2026: 0.4%▲ +0.1 percentage points vs 08-2026 10-2026: 0.7%▲ +0.3 percentage points vs 09-2026
Credit of up to €10,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.4, compared with 3.84 in 2025, below the usual 1.5; short-term debt: 8.1% and cash: 11.3% of total assets), and 31.4% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 57% on solvency, 61% on liquidity, 4% on profitability and 12% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €214,523
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Loss of €84,767 (financial year 2026)
NBB · annual accounts
lowers risk · Founded in 1995
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · 1 of the last 3 late
NBB · filings
neutral · Latest accounts filed on time
The financial year that closed on 28-02-2026 was due by 30-09-2026 and was filed on 10-09-2026, 20 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2026
20 days early
2025
27 days late
2024
30 days late
2023
3 days early
2022
22 days late
2021
25 days late
2020
23 days late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 15 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 28-02-2027 and is due by 30-09-2027. Nothing is late today. The company usually files around 22 October (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today28-02-2027 year end30-09-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage

Key points

  • Caution: From profit to loss in 2026after €32,287 in 2025 -€84,767 View

Documents

Annual accounts at the NBB

All 31 annual accounts

Articles and registers

Key facts about DE SMET - MERTENS

What is the company number of DE SMET - MERTENS?
0456.906.028. In Belgium the VAT number is the company number with BE in front: BE 0456.906.028.
Where is DE SMET - MERTENS based?
The registered office is at Middeldorpe(STL) 25, 9980 Sint-Laureins.Company details
What is the legal form of DE SMET - MERTENS?
Private limited company (BV).
When was DE SMET - MERTENS founded?
On 22-12-1995.
Is DE SMET - MERTENS still active?
Yes, DE SMET - MERTENS is an active enterprise in the KBO register.
How many employees does DE SMET - MERTENS have?
On average 0.3 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
What is the turnover of DE SMET - MERTENS?
The annual accounts for financial year 2026 state no turnover: the abbreviated or micro format does not require it.
Is DE SMET - MERTENS profitable?
In financial year 2026, DE SMET - MERTENS made a loss of €84,767.
Where can I find the annual accounts of DE SMET - MERTENS?
DE SMET - MERTENS filed 31 annual accounts with the National Bank of Belgium, the latest for financial year 2026.Annual accounts at the National Bank
When are the next annual accounts of DE SMET - MERTENS due?
By 30-09-2027, for financial year 2027.Timeline

Go further with this company

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.