DR. MARC SMETS
ActiveDR. MARC SMETS has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.34M and a net result of €228k. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 48% of 16527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-3
Solvency86▲+1
Growth58=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 1.39 in 2024; short-term debt: 36.1% and cash: 15.3% of total assets), and 39.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 86
Relative position
BE, all sectors
reference
Sector 86
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
60.9%
Return on assets
10.3%
Age of the figures
9 mo
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
8 d early
2023
21 d early
2022
52 d late
2021
65 d late
2020
6 d late
2019
14 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.34M▲ 8.1%
2024 · €1.24M
2018: €1.62M
2019: €1.75M
2020: €1.97M
2021: €2.15M
2022: €2.32M
2023: €2.58M
2024: €1.24M
2018 → 2025
Total assets
€2.21M▲ 6.1%
2024 · €2.08M
2018: €1.76M
2019: €1.89M
2020: €2.12M
2021: €2.29M
2022: €2.44M
2023: €2.69M
2024: €2.08M
2018 → 2025
Net result
€228k▼ 16.8%
2024 · €274k
2018: €27k
2019: €127k
2020: €226k
2021: €175k
2022: €167k
2023: €266k
2024: €274k
2018 → 2025
Working capital
€560k▲ 70.4%
2024 · €329k
2018: €507k
2019: €662k
2020: €914k
2021: €1.11M
2022: €1.30M
2023: €1.62M
2024: €329k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.15M-€2.32M▲ 7.8%€2.58M▲ 11.5%€1.24M▼ 51.8%€1.34M▲ 8.1%
Operating result€243k-€234k▼ 3.7%€262k▲ 11.8%€323k▲ 23.5%€378k▲ 16.7%
Net result€175k-€167k▼ 4.1%€266k▲ 58.8%€274k▲ 3.0%€228k▼ 16.8%
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 17% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.21M
Fixed assets
€851k▼ 7.4%
Current assets
€1.36M▲ 16.8%
Equity and liabilities €2.21M
Equity
€1.34M▲ 8.1%
Debt
€863k▲ 3.2%
The debt ratio falls from 40.2% to 39.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€446k▲
2024 · €379k
Cash flow
€296k▼
2024 · €329k
Solvency
60.9%▲
2024 · 59.8%
Current ratio
1.70▲
2024 · 1.39
Quick ratio
1.70▲
2024 · 1.39
Debt / equity
0.64▼
2024 · 0.67
ROE
17.0%▼
2024 · 22.0%
ROA
10.3%▼
2024 · 13.2%
Interest coverage
7.81▼
2024 · 31.63
Debt
€863k▲
2024 · €836k
Debt ≤ 1 year
€797k▼
2024 · €833k
Debt > 1 year
€66k▲
2024 · €2k
Income taxes
€108k▼
2024 · €113k
Staff costs
€13k▼
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€2.08M€2.21M▲
Fixed assets21/28€919k€851k▼
Tangible fixed assets22/27€919k€851k▼
Land and buildings22€890k€743k▼
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€27k€104k▲
Current assets29/58€1.16M€1.36M▲
Amounts receivable within one year40/41€42k€39k▼
Trade receivables40€24k€28k▲
Other amounts receivable41€18k€11k▼
Current investments50/53€961k€972k▲
Cash at bank and in hand54/58€153k€337k▲
Deferred charges and accrued income490/1€5k€9k▲
Equity and liabilities
Total equity and liabilities10/49€2.08M€2.21M▲
Equity10/15€1.24M€1.34M▲
Reserves13€1.24M€1.34M▲
Tax-exempt reserves132€8k€8k=
Distributable reserves133€1.24M€1.34M▲
Profit (loss) carried forward14-€0
Amounts payable17/49€836k€863k▲
Amounts payable after more than one year17€2k€66k▲
Financial debts170/4-€64k
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€833k€797k▼
Current portion of amounts payable after more than one year42-€24k
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€35k€22k▼
Taxes450/3€30k€17k▼
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€793k€748k▼
Accrued charges and deferred income492/3€1k€0▼
Income statement
Code20242025
Non-recurring operating income76A-€84k
Remuneration, social security and pensions62€13k€13k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€68k▲
Other operating charges640/8€10k€10k▲
Gross operating margin9900€402k€469k▲
Operating profit (loss)9901€323k€378k▲
Financial income75/76B€75k€16k▼
Recurring financial income75€75k€16k▼
Financial charges65/66B€12k€57k▲
Recurring financial charges65€12k€57k▲
Profit (loss) for the period before taxes9903€387k€336k▼
Income taxes67/77€113k€108k▼
Profit (loss) for the period9904€274k€228k▼
Profit (loss) for the period to be appropriated9905€274k€228k▼
Appropriation of the result
Profit (loss) to be appropriated9906€274k€228k▼
Transfer from equity791/2€694k€127k▼
Transfer to equity691/2€274k€228k▼
To other reserves6921€274k€228k▼
Profit to be distributed694/7€694k€127k▼
Return on contributions (dividend)694€694k€127k▼
The notes to these accounts (9 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €274k ▲3%
Net result €274k, the highest in the series.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 52 days late
2022
04-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 65 days late
2021
31-12
Financial
Equity above €2MEq €2.15M ▲8.8%
4 profitable years in a row build equity to €2.15M.
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 6 days late
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 55 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Mol · 1 establishment unit since 2000
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.
Rozenberg 1492400 MolGround area
1,368 m²
Building footprint
332 m²
Volume, LiDAR
1,966 m³
Parcel 13434F0891/00X000, Flanders · tallest building 13.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rozenberg 149, 2400 Mol
since 20002.228.562.429
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13434F0891/00X000 | Flanders | 1,368 m² | 1 · 332 m² | 13.1 m · 1 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.
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Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 3,634 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-04-2000
Fiscal year end31-12
Activities, NACEBEL
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 26 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.