De Smet Samy
ActiveDe Smet Samy has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €613k and a net result of €-6k. Equity is growing by ~17.9% per year across the filed fiscal years. Its solvency ranks better than 34% of 7757 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-12
Solvency56▼-3
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity short (current ratio 0.5 against 0.6 in 2024; short-term debt: 48.9% and cash: 8.3% of total assets), and 68.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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 18-05-2026, 74 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
74 d early
2024
94 d early
2023
21 d early
2022
29 d late
2021
12 d early
2020
11 d early
2019
49 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€613k▼ 27.9%
2024 · €851k
2018: €172k
2019: €286k
2020: €518k
2021: €651k
2022: €816k
2023: €864k
2024: €851k
2018 → 2025
Total assets
€1.96M▼ 20.7%
2024 · €2.47M
2018: €1.08M
2019: €1.36M
2020: €1.65M
2021: €1.72M
2022: €2.43M
2023: €2.42M
2024: €2.47M
2018 → 2025
Net result
€-6k
2024 · €221k
2018: €63k
2019: €114k
2020: €232k
2021: €216k
2022: €371k
2023: €245k
2024: €221k
2018 → 2025
Working capital
€-479k▼ 15.5%
2024 · €-415k
2018: €-155k
2019: €-170k
2020: €-225k
2021: €-188k
2022: €-487k
2023: €-266k
2024: €-415k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€651k-€816k▲ 25.3%€864k▲ 6.0%€851k▼ 1.6%€613k▼ 27.9%
Operating result€289k-€356k▲ 23.0%€283k▼ 20.4%€287k▲ 1.2%€19k▼ 93.4%
Net result€216k-€371k▲ 71.9%€245k▼ 34.1%€221k▼ 9.6%€-6k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 93% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.96M
Fixed assets
€1.48M▼ 19.7%
Current assets
€480k▼ 23.6%
Equity and liabilities €1.96M
Equity
€613k▼ 27.9%
Debt
€1.35M▼ 16.9%
The debt ratio rises from 65.6% to 68.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€572k▼
2024 · €780k
Cash flow
€547k▼
2024 · €715k
Solvency
31.3%▼
2024 · 34.4%
Current ratio
0.50▼
2024 · 0.60
Quick ratio
0.50▼
2024 · 0.60
Debt / equity
2.20▲
2024 · 1.91
ROE
-1.0%▼
2024 · 26.0%
ROA
-0.3%▼
2024 · 9.0%
Interest coverage
22.65▲
2024 · 20.93
Debt
€1.35M▼
2024 · €1.62M
Debt ≤ 1 year
€959k▼
2024 · €1.04M
Debt > 1 year
€389k▼
2024 · €579k
Income taxes
€3▼
2024 · €31k
Staff costs
€101k▼
2024 · €151k
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€2.47M€1.96M▼
Fixed assets21/28€1.84M€1.48M▼
Tangible fixed assets22/27€1.84M€1.48M▼
Land and buildings22€182k€178k▼
Plant, machinery and equipment23€1.18M€1.03M▼
Furniture and vehicles24€178k€139k▼
Leasing and similar rights25€304k€138k▼
Financial fixed assets28€0-
Current assets29/58€628k€480k▼
Amounts receivable within one year40/41€320k€294k▼
Trade receivables40€251k€269k▲
Other amounts receivable41€69k€25k▼
Cash at bank and in hand54/58€270k€163k▼
Deferred charges and accrued income490/1€38k€23k▼
Equity and liabilities
Total equity and liabilities10/49€2.47M€1.96M▼
Equity10/15€851k€613k▼
Contributions10/11€19k€19k=
Reserves13€832k€600k▼
Distributable reserves133€832k€600k▼
Profit (loss) carried forward14€111€-6k▼
Amounts payable17/49€1.62M€1.35M▼
Amounts payable after more than one year17€579k€389k▼
Financial debts170/4€579k€389k▼
Amounts payable within one year42/48€1.04M€959k▼
Current portion of amounts payable after more than one year42€294k€340k▲
Financial debts43€23k€0▼
Credit institutions430/8€23k€0▼
Trade debts44€211k€18k▼
Suppliers440/4€211k€18k▼
Taxes, remuneration and social security45€44k€19k▼
Taxes450/3€29k€3k▼
Remuneration and social security454/9€15k€16k▲
Other amounts payable47/48€471k€582k▲
Income statement
Code20242025
Non-recurring operating income76A€221k€6k▼
Remuneration, social security and pensions62€151k€101k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€494k€553k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-226€0▲
Other operating charges640/8€13k€6k▼
Non-recurring operating charges66A€21k€11k▼
Gross operating margin9900€965k€690k▼
Operating profit (loss)9901€287k€19k▼
Financial income75/76B€3k€354▼
Recurring financial income75€3k€354▼
Financial charges65/66B€37k€25k▼
Recurring financial charges65€37k€25k▼
Profit (loss) for the period before taxes9903€252k€-6k▼
Income taxes67/77€31k€3▼
Profit (loss) for the period9904€221k€-6k▼
Profit (loss) for the period to be appropriated9905€221k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€221k€-6k▼
Profit (loss) brought forward from the previous period14P€111€111=
Transfer from equity791/2€114k€232k▲
Transfer to equity691/2€101k€0▼
To other reserves6921€101k€0▼
Profit to be distributed694/7€235k€232k▼
Return on contributions (dividend)694€114k€232k▲
Directors or managers695€121k€0▼
Social balance
Average headcount (FTE)90872.72.0▼
The notes to these accounts (14 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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-6k ▼103%
Net result drops to €-6k, the lowest in the series.
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
31-12
Financial
Highest result since 2018net €371k ▲71.9%
Operating result €356k, net result €371k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €500kEq €518k ▲80.8%
3 profitable years in a row build equity to €518k.
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
2019
31-12
Financial
Equity above €200kEq €286k ▲66.5%
2 profitable years in a row build equity to €286k.
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
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
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, Deinze · 1 establishment unit since 2013
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.
Emiel Clauslaan 949800 DeinzeGround area
779 m²
Building footprint
199 m²
Volume, LiDAR
916 m³
Parcel 44004A1019/00L000, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DE SMET SAMY
since 20132.216.705.762
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44004A1019/00L000 | Flanders | 779 m² | 1 · 199 m² | 6.9 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 · 2 entries · 3,564 EUR awarded · 3,564 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 2 | 3,564 EUR | 3,564 EUR |
Schemes
Subsidies ecologisch en veilig transport (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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BK Bouwteam
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GB CONSTRUCT
BE 0833.252.467
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ASOBI INTERIEUR
BE 0433.758.660
Antwerpen · Eq €610k
Of 15,529 companies in sector 43990 we hold annual accounts for 7,421. 4,168 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-02-2013
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
77320Rental and leasing activities
45194
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
46713Wholesale trade
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.