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Complete company report
Generated 11-08-2026
Active BE 1007.134.964Private limited company

GDW Raf Smeets

Grote Baan 143/1 ·3530 Houthalen-Helchteren, Belgium· 2 yrs active
Sector: Activiteiten van deurwaarders (69103)
Conclusion Checked

The computed 12-month bankruptcy probability of GDW Raf Smeets is 0.3% (very low). The 2024 annual accounts show equity of €298k and a net result of €198k. Its solvency ranks better than 59% of 479 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €298k
Net result €198k
Staff (FTE) 2
Better than sector 59%
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health78Profitability100Solvency57Growth-Stability67
76 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 78
Profitability 100
Solvency 57
Growth -
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free
0.3% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
78 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 25-07-2025 with the NBB · fiscal year 2024 · verkort
Sector comparison
Fiscal year 2024 · NACE 69, Legal & accounting · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 32.3% 22.1%
better than 59% of 479 sector peers
Net result €198k €101k
better than 70% of 479 sector peers
Equity €298k €165k
better than 67% of 479 sector peers
Gross operating margin €511k €462k
better than 53% of 479 sector peers
Staff costs €169k €375k
higher than 26% of 288 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositverkort
Revenue-
EBITDA€341k
Net profit€198k
Cash flow€252k
Staff costs€169k
Income taxes€87k
Dividends-
Total assets€920k
Equity€298k
Debt€623k
of which ≤ 1y€424k
of which > 1y€199k
Working capital€103k
Employees (FTE)2.0
Ratios (computed)
2024
Current ratio1.24
Quick ratio1.24
Working capital ratio11.2%
Solvency32.3%
Debt / equity2.09
Long-term debt ratio0.67
Interest coverage255.94
Gross margin-
Net margin-
ROA21.5%
ROE66.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€920k
Fixed assets 21/28€392k
Formation expenses 20€1k
Intangible fixed assets 21€177k
Tangible fixed assets 22/27€215k
Current assets 29/58€527k
Amounts receivable within one year 40/41€267k
Cash & bank 54/58€257k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€920k
Equity 10/15€298k
Contributions / capital 10/11€100k
Reserves 13€198k
Amounts payable 17/49€623k
Amounts payable after one year 17€199k
Amounts payable within one year 42/48€424k
Trade debts payable within one year 44€15k
Income statement
Gross operating margin 9900€511k
Operating result 9901€286k
Financial charges 65€1k
Result before taxes 9903€285k
Income taxes 67/77€87k
Net result for the period 9904€198k
Result to be appropriated 9905€198k
Ratios computed by Checked.
Legal Structure
NACE primary Activiteiten van deurwaarders(69103)
Legal form Private limited company(610)
Incorporation14-03-2024
StatusActive
Postal code3530
Establishment units 1 location
GDW Raf Smeets
Grote Baan 143/1, 3530 Houthalen-HelchterenActiviteiten van deurwaarders
since 20242.357.205.116
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
72015B0399/00R000 Flanders 1,089 m² 1 · 202 m² 10.9 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
25-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
24-04-2025
State Gazette act Registered-office change
Belgisch Staatsblad, acts 1 acts
Address history · 1
24-04-2025
Registered-office move
All acts · 1 updated 1 year ago
2025
24-04-2025 Registered office moved within Houthalen-Helchteren Registered-office change
  • Grote Baan 47, 3530 Houthalen-Helchteren → Grote Baan 143/1 3530 Houthalen-Helchteren
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Grote Baan 143/1\n3530 Houthalen-Helchteren",
        "city": "Houthalen-Helchteren",
        "region": "vlaams_gewest",
        "street": "Grote Baan",
        "country": "BE",
        "postcode": "3530",
        "box_number": null,
        "street_number": "143/1",
        "locality_suffix": "(H-G)"
      },
      "old_address": {
        "raw": "Grote Baan 47, 3530 Houthalen-Helchteren",
        "city": "Houthalen-Helchteren",
        "region": "vlaams_gewest",
        "street": "Grote Baan",
        "country": "BE",
        "postcode": "3530",
        "box_number": null,
        "street_number": "47",
        "locality_suffix": "(H-G)"
      },
      "effective_date": "2025-03-27",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": false,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "immediate",
      "statutaire_vs_werkelijke": null,
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-04-24",
    "filing_date": "2025-04-15",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "enige_bestuurder",
    "date": "2025-03-27",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "1007.134.964",
    "name_full": null,
    "legal_form": "BV",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Raf Smeets",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": []
}
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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Activiteiten van deurwaarders69103Activiteiten van deurwaarders69103Overige rechtskundige dienstverlening69109Overige rechtskundige dienstverlening69109
Primary activity highlighted.
Names & trade names
Legal nameNL GDW Raf Smeets
Registered office
Grote Baan 143/1
3530 Houthalen-Helchteren, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative