JOHAN SMET
ActiveJOHAN SMET is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €594k and a net result of €174k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 71% of 5495 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €594k
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
3 d early
2023
41 d early
2022
31 d early
2021
86 d early
2020
71 d early
2019
66 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€594k▲ 41.4%
2024 · €420k
2018: €397k
2019: €419k
2020: €415k
2021: €358k
2022: €296k
2023: €300k
2024: €420k
2018 → 2025
Net result
€174k▲ 44.4%
2024 · €120k
2018: €39k
2019: €22k
2020: €-4k
2021: €-57k
2022: €11k
2023: €4k
2024: €120k
2018 → 2025
Total assets
€796k▲ 33.4%
2024 · €597k
2018: €520k
2019: €529k
2020: €528k
2021: €507k
2022: €572k
2023: €503k
2024: €597k
2018 → 2025
Solvency
74.6%▲ 4.2pp
2024 · 70.3%
2018: 76.2%
2019: 79.1%
2020: 78.6%
2021: 70.6%
2022: 51.6%
2023: 59.5%
2024: 70.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€358k-€296k▼ 17.4%€300k▲ 1.3%€420k▲ 40.2%€594k▲ 41.4%
Operating result€24k-€21k▼ 10.6%€13k▼ 38.0%€76k▲ 479%€29k▼ 61.6%
Net result€-57k-€11k€4k▼ 62.6%€120k▲ 2,929%€174k▲ 44.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 62% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €796k
Fixed assets
€536k▲ 1.3%
Current assets
€261k▲ 282%
Equity and liabilities €796k
Equity
€594k▲ 41.4%
Debt
€203k▲ 14.5%
The debt ratio falls from 29.7% to 25.4%: equity grows faster than debt.
Key figures and ratios
Solvency
74.6%▲
2024 · 70.3%
ROE
29.3%▲
2024 · 28.7%
ROA
21.8%▲
2024 · 20.2%
Debt
€203k▲
2024 · €177k
Debt ≤ 1 year
€171k▲
2024 · €134k
Debt > 1 year
€24k▼
2024 · €34k
Income taxes
€23k▼
2024 · €30k
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€597k€796k▲
Fixed assets21/28€529k€536k▲
Tangible fixed assets22/27€51k€32k▼
Land and buildings22-€2k
Plant, machinery and equipment23€16k€11k▼
Furniture and vehicles24€35k€19k▼
Financial fixed assets28€478k€503k▲
Current assets29/58€68k€261k▲
Amounts receivable within one year40/41€41k€230k▲
Trade receivables40€16k€43k▲
Other amounts receivable41€25k€187k▲
Cash at bank and in hand54/58€27k€30k▲
Deferred charges and accrued income490/1€0€125▲
Equity and liabilities
Total equity and liabilities10/49€597k€796k▲
Equity10/15€420k€594k▲
Contributions10/11€20k€20k=
Reserves13€400k€573k▲
Distributable reserves133€400k€573k▲
Amounts payable17/49€177k€203k▲
Amounts payable after more than one year17€34k€24k▼
Financial debts170/4€34k€24k▼
Amounts payable within one year42/48€134k€171k▲
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€37k€46k▲
Taxes450/3€37k€46k▲
Other amounts payable47/48€85k€114k▲
Accrued charges and deferred income492/3€9k€8k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€6k▼
Other operating charges640/8€3k€1k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€98k€36k▼
Operating profit (loss)9901€76k€29k▼
Financial income75/76B€85k€176k▲
Recurring financial income75€65€151k▲
Non-recurring financial income76B€85k€25k▼
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€150k€197k▲
Income taxes67/77€30k€23k▼
Profit (loss) for the period9904€120k€174k▲
Profit (loss) for the period to be appropriated9905€120k€174k▲
Appropriation of the result
Profit (loss) to be appropriated9906€120k€174k▲
Transfer to equity691/2€120k€174k▲
To other reserves6921€120k€174k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (20 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €174k ▲44.4%
Net result €174k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 1.53
Current ratio from 0.51 to 1.53.
31-12
Financial
Equity above €500kEq €594k ▲41.4%
4 profitable years in a row build equity to €594k.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
06-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-57k
Net result drops to €-57k, the lowest in the series; recovery starts the following year.
21-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
26-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
03-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Niklaas · 1 establishment unit since 2010
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.
Gustaaf De Ridderstraat 469100 Sint-NiklaasGround area
3,474 m²
Building footprint
420 m²
Volume, LiDAR
2,858 m³
2 parcels, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOHAN SMET
since 20102.185.653.191
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46447B0587/00C003 | Flanders | 3,157 m² | 1 · 284 m² | 11.0 m · 2 fl. |
| 46445D1193/00Z003 | Flanders | 318 m² | 1 · 135 m² | 11.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 13,457 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-02-2010
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.