DE SMIED VAN BERG
ActiveSummary
DE SMIED VAN BERG has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32k and a net result of €-5k. Equity is growing by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 82% of 13305 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
60
/ 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
Profitability5▼-70
Solvency93▲+2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.9 against 2.66 in 2024; short-term debt: 31.8% and cash: 72.4% of total assets), and 31.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 56
Relative position
BE, all sectors
reference
Sector 56
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
68.2%
Return on assets
-10.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
28 d late
2023
58 d late
2022
66 d late
2021
34 d early
2020
61 d late
2019
119 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€32k▼ 13.6%
2024 · €37k
2018: €22k
2019: €27k
2020: €17k
2021: €7k
2022: €10k
2023: €35k
2024: €37k
2018 → 2025
Total assets
€47k▼ 16.9%
2024 · €57k
2018: €41k
2019: €46k
2020: €34k
2021: €19k
2022: €26k
2023: €60k
2024: €57k
2018 → 2025
Net result
€-5k
2024 · €3k
2018: €998
2019: €5k
2020: €-10k
2021: €-9k
2022: €3k
2023: €24k
2024: €3k
2018 → 2025
Working capital
€29k▼ 11.9%
2024 · €32k
2018: €21k
2019: €26k
2020: €12k
2021: €4k
2022: €7k
2023: €36k
2024: €32k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7k-€10k▲ 42.1%€35k▲ 239%€37k▲ 7.7%€32k▼ 13.6%
Operating result€-9k-€3k€25k▲ 735%€3k▼ 89.5%€-5k
Net result€-9k-€3k€24k▲ 708%€3k▼ 89.1%€-5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €47k
Fixed assets
€4k ▼ 25.1%
Current assets
€44k ▼ 16.1%
Equity and liabilities €47k
Equity
€32k ▼ 13.6%
Debt
€15k ▼ 23.0%
Debt's share of the balance-sheet total falls from 34.3% to 31.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-4k▼
2024 · €4k
Cash flow
€-4k▼
2024 · €4k
Current ratio
2.90▲
2024 · 2.66
Debt to equity
0.47▼
2024 · 0.52
ROE
-15.8%▼
2024 · 7.1%
ROA
-10.8%▼
2024 · 4.7%
Interest coverage
-96.77▼
2024 · 152.95
Debt ≤ 1 year
€15k▼
2024 · €19k
Income taxes
€0
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€57k€47k▼
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Plant, machinery and equipment23€5k€4k▼
Current assets29/58€52k€44k▼
Amounts receivable within one year40/41€10k€8k▼
Trade receivables40€10k€8k▼
Cash at bank and in hand54/58€40k€34k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€57k€47k▼
Equity10/15€37k€32k▼
Contributions10/11€12k€12k=
Reserves13€55k€55k=
Non-distributable reserves130/1€620€620=
Reserves not available under the articles1311€620€620=
Distributable reserves133€54k€54k=
Profit (loss) carried forward14€-30k€-35k▼
Amounts payable17/49€19k€15k▼
Amounts payable within one year42/48€19k€15k▼
Trade debts44-€481
Suppliers440/4-€481
Taxes, remuneration and social security45€6k€2k▼
Taxes450/3€6k€2k▼
Other amounts payable47/48€13k€12k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€212€162▼
Gross operating margin9900€5k€-4k▼
Operating profit (loss)9901€3k€-5k▼
Financial income75/76B€102€1▼
Recurring financial income75€102€1▼
Financial charges65/66B€29€39▲
Recurring financial charges65€29€39▲
Profit (loss) for the period before taxes9903€3k€-5k▼
Income taxes67/77-€0
Profit (loss) for the period9904€3k€-5k▼
Profit (loss) for the period to be appropriated9905€3k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-30k€-35k▼
Profit (loss) brought forward from the previous period14P€-33k€-30k▲
The notes to these accounts (4 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-12
Financial
Highest result since 2018net €24k ▲708%
Operating result €25k, net result €24k, both a record.
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Weakest financial yearnet €-10k ▼300%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Maaseik · 1 establishment unit since 1991
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.
Opoeterseweg 783680 MaaseikGround area
843 m²
Building footprint
173 m²
Volume, LiDAR
887 m³
Parcel 72024C0978/00T002, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DE SMIED VAN BERG BVBA
since 19912.051.051.736
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72024C0978/00T002 | Flanders | 843 m² | 1 · 173 m² | 6.7 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMaaseik2.051.051.736
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Of 14,018 companies in sector 56301 we hold annual accounts for 4,891. 4,116 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded12-11-1990
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.