DE SMET S&C
ActiveDE SMET S&C has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4k and a net result of €17k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 26% of 7723 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+23
Solvency45▲+45
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five 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 82
Relative position
BE, all sectors
reference
Sector 82
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
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
35 d early
2023
12 d late
2022
25 d late
2021
6 d early
2020
6 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€4k
2024 · €-14k
2018: €-22k
2019: €28k
2020: €22k
2021: €17k
2022: €693
2023: €-15k
2024: €-14k
2018 → 2025
Total assets
€19k▼ 26.5%
2024 · €26k
2018: €209k
2019: €198k
2020: €192k
2021: €194k
2022: €122k
2023: €29k
2024: €26k
2018 → 2025
Net result
€17k▲ 885%
2024 · €2k
2018: €299
2019: €-20k
2020: €-6k
2021: €-5k
2022: €-16k
2023: €-16k
2024: €2k
2018 → 2025
Working capital
€-7k▲ 75.3%
2024 · €-28k
2018: €-158k
2019: €-78k
2020: €-63k
2021: €-75k
2022: €-27k
2023: €-31k
2024: €-28k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€693▼ 96.0%€-15k€-14k▲ 11.5%€4k
Operating result€-4k-€-14k▼ 270%€-14k▲ 1.8%€3k€18k▲ 540%
Net result€-5k-€-16k▼ 236%€-16k▲ 1.7%€2k€17k▲ 885%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 540% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19k
Fixed assets
€12k▼ 41.6%
Current assets
€7k▲ 43.4%
Equity and liabilities €19k
Equity
€4k
Debt
€15k
Debt finances 80.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€27k▲
2024 · €12k
Cash flow
€26k▲
2024 · €11k
Solvency
19.6%▲
2024 · -52.6%
Current ratio
0.49▲
2024 · 0.14
Quick ratio
0.49▲
2024 · 0.14
Debt / equity
4.10▲
2024 · -2.90
ROE
465.3%
ROA
91.2%▲
2024 · 6.8%
Interest coverage
37.62▲
2024 · 12.77
Debt
€15k▼
2024 · €40k
Debt ≤ 1 year
€14k▼
2024 · €33k
Debt > 1 year
€2k▼
2024 · €7k
Income taxes
€176▲
2024 · €174
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€26k€19k▼
Fixed assets21/28€21k€12k▼
Tangible fixed assets22/27€21k€12k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€19k€11k▼
Other tangible fixed assets26€2k€1k▼
Current assets29/58€5k€7k▲
Amounts receivable within one year40/41€122€5k▲
Trade receivables40-€5k
Other amounts receivable41€122€0▼
Cash at bank and in hand54/58€4k€932▼
Deferred charges and accrued income490/1€419€731▲
Equity and liabilities
Total equity and liabilities10/49€26k€19k▼
Equity10/15€-14k€4k▲
Contributions10/11€89k€89k=
Profit (loss) carried forward14€-102k€-85k▲
Amounts payable17/49€40k€15k▼
Amounts payable after more than one year17€7k€2k▼
Financial debts170/4€7k€2k▼
Amounts payable within one year42/48€33k€14k▼
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€1k€437▼
Suppliers440/4€1k€437▼
Taxes, remuneration and social security45€908€2k▲
Taxes450/3€908€2k▲
Other amounts payable47/48€26k€5k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k=
Other operating charges640/8€730€772▲
Non-recurring operating charges66A€0-
Gross operating margin9900€13k€28k▲
Operating profit (loss)9901€3k€18k▲
Financial income75/76B€2€0▼
Recurring financial income75€2€0▼
Financial charges65/66B€923€725▼
Recurring financial charges65€923€725▼
Profit (loss) for the period before taxes9903€2k€18k▲
Income taxes67/77€174€176▲
Profit (loss) for the period9904€2k€17k▲
Profit (loss) for the period to be appropriated9905€2k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-102k€-85k▲
Profit (loss) brought forward from the previous period14P€-104k€-102k▲
Transfer from equity791/2€0-
The notes to these accounts (11 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €17k ▲885%
Operating result €18k, net result €17k, both a record.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 5 loss-making years.
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-20k ▼6848%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 4 days late
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, Gent · 1 establishment unit since 2004
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.
Amand Casier de ter Bekenlaan 369030 GentGround area
1,421 m²
Building footprint
149 m²
Volume, LiDAR
988 m³
Parcel 44038A0863/00Z003, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
De SMET S&C
since 20042.143.965.759
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44038A0863/00Z003 | Flanders | 1,421 m² | 1 · 149 m² | 10.4 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 567 EUR awarded · 567 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 567 EUR | 567 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,401. 2,657 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-11-2004
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.