Katrien Smets
ActiveThe computed 12-month bankruptcy probability of Katrien Smets is 1.7% (moderate). The 2025 annual accounts show equity of €35k and a net result of €12k. Equity is growing by ~22.2% per year across the filed fiscal years. Its solvency ranks better than 73% of 18040 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▲+16
Solvency87▼-13
Growth52=
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.62 against 4.03 in 2024; short-term debt: 38.2% and cash: 83.4% of total assets), and 38.2% 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+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
61.8%
Return on assets
22.1%
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 10-04-2026, 112 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
112 d early
2024
28 d early
2023
2 d early
2022
19 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€35k▼ 20.8%
2024 · €44k
2022: €16k
2023: €35k
2024: €44k
2022 → 2025
Total assets
€56k▼ 3.5%
2024 · €58k
2022: €32k
2023: €52k
2024: €58k
2022 → 2025
Net result
€12k▲ 36.8%
2024 · €9k
2022: €14k
2023: €19k
2024: €9k
2022 → 2025
Working capital
€35k▼ 20.8%
2024 · €44k
2022: €16k
2023: €35k
2024: €44k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€16k-€35k▲ 120%€44k▲ 26.2%€35k▼ 20.8%
Operating result€21k-€27k▲ 32.3%€13k▼ 52.7%€17k▲ 34.5%
Net result€14k-€19k▲ 32.8%€9k▼ 52.0%€12k▲ 36.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 34% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €56k
Equity
€35k▼ 20.8%
Debt
€22k▲ 48.7%
The debt ratio rises from 24.8% to 38.2%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
61.8%▼
2024 · 75.2%
Current ratio
2.62▼
2024 · 4.03
Quick ratio
2.62▼
2024 · 4.03
Debt / equity
0.62▲
2024 · 0.33
ROE
35.8%▲
2024 · 20.8%
ROA
22.1%▲
2024 · 15.6%
Debt
€22k▲
2024 · €14k
Debt ≤ 1 year
€22k▲
2024 · €14k
Income taxes
€5k▲
2024 · €4k
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€58k€56k▼
Current assets29/58€58k€56k▼
Amounts receivable within one year40/41€5k€8k▲
Trade receivables40€5k€8k▲
Other amounts receivable41-€286
Cash at bank and in hand54/58€52k€47k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€58k€56k▼
Equity10/15€44k€35k▼
Contributions10/11€2k€2k=
Reserves13€42k€33k▼
Distributable reserves133€42k€33k▼
Amounts payable17/49€14k€22k▲
Amounts payable within one year42/48€14k€22k▲
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€8k€5k▼
Taxes450/3€8k€5k▼
Other amounts payable47/48€2k€13k▲
Income statement
Code20242025
Other operating charges640/8€510€922▲
Gross operating margin9900€13k€18k▲
Operating profit (loss)9901€13k€17k▲
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€126€141▲
Recurring financial charges65€126€141▲
Profit (loss) for the period before taxes9903€13k€17k▲
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€9k€12k▲
Profit (loss) for the period to be appropriated9905€9k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€12k▲
Transfer from equity791/2-€9k
Transfer to equity691/2€9k-
To other reserves6921€9k-
Profit to be distributed694/7-€22k
Return on contributions (dividend)694-€22k
The notes to these accounts (1 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
10-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €9k ▼52%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €19k ▲32.8%
Operating result €27k, net result €19k, both a record.
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro 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, Heist-op-den-Berg · 1 establishment unit since 2022
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.
Meester Fritsstraat 152221 Heist-op-den-BergGround area
673 m²
Building footprint
187 m²
Parcel 12006D0497/00M000, Flanders. Linked by address, not a title deed.
1 establishment unit
Katrien Smets
since 20222.326.588.847
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12006D0497/00M000 | Flanders | 673 m² | 1 · 187 m² | - |
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 5,224 companies in sector 47730 we hold annual accounts for 3,863. 2,234 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-2022
Fiscal year end31-12
Activities, NACEBEL
47730Retail sale of pharmaceutical products
21201Manufacture of basic pharmaceutical products and pharmaceutical preparations
21209Manufacture of basic pharmaceutical products and pharmaceutical preparations
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.