smans
Activesmans has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €54k. Equity is shrinking by ~19.1% per year across the filed fiscal years. Its solvency ranks better than 42% of 13882 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
65
/ 100
Healthy▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency30▲+2
Growth58=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 1.18 in 2024), and 79.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
20.1%
Return on assets
58.7%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 08-12-2025, 143 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
143 d early
2024
98 d early
2023
28 d early
2022
26 d early
2021
130 d early
2020
17 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k=
2024 · €19k
2018: €63k
2019: €110k
2020: €151k
2021: €192k
2022: €21k
2023: €21k
2024: €19k
2018 → 2025
Total assets
€92k▼ 6.1%
2024 · €98k
2018: €103k
2019: €134k
2020: €205k
2021: €200k
2022: €70k
2023: €84k
2024: €98k
2018 → 2025
Net result
€54k▼ 3.1%
2024 · €56k
2018: €51k
2019: €48k
2020: €42k
2021: €41k
2022: €31k
2023: €44k
2024: €56k
2018 → 2025
Working capital
€17k▲ 14.0%
2024 · €15k
2018: €63k
2019: €109k
2020: €149k
2021: €190k
2022: €19k
2023: €15k
2024: €15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€192k-€21k▼ 89.2%€21k=€19k▼ 10.2%€19k=
Operating result€52k-€44k▼ 14.9%€56k▲ 27.3%€71k▲ 26.8%€69k▼ 3.0%
Net result€41k-€31k▼ 23.2%€44k▲ 41.1%€56k▲ 27.2%€54k▼ 3.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €92k
Fixed assets
€2k▼ 53.6%
Current assets
€91k▼ 4.2%
Equity and liabilities €92k
Equity
€19k=
Debt
€74k▼ 7.5%
The debt ratio falls from 81.1% to 79.9%: debt is paid down.
Key figures and ratios
EBITDA
€71k▼
2024 · €73k
Cash flow
€56k▼
2024 · €58k
Solvency
20.1%▲
2024 · 18.9%
Current ratio
1.23▲
2024 · 1.18
Quick ratio
1.23▲
2024 · 1.18
Debt / equity
3.96▼
2024 · 4.29
ROE
291.7%▼
2024 · 301.0%
ROA
58.7%▲
2024 · 56.9%
Interest coverage
1024.13▼
2024 · 1105.96
Debt
€74k▼
2024 · €80k
Debt ≤ 1 year
€74k▼
2024 · €80k
Income taxes
€14k▼
2024 · €15k
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€98k€92k▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Furniture and vehicles24€4k€2k▼
Financial fixed assets28€93€93=
Current assets29/58€95k€91k▼
Amounts receivable within one year40/41€18k€17k▼
Trade receivables40€18k€17k▼
Other amounts receivable41€3€0▼
Cash at bank and in hand54/58€76k€73k▼
Deferred charges and accrued income490/1€334€362▲
Equity and liabilities
Total equity and liabilities10/49€98k€92k▼
Equity10/15€19k€19k=
Contributions10/11€19k€19k=
Reserves13€0-
Distributable reserves133€0-
Profit (loss) carried forward14€0€0=
Amounts payable17/49€80k€74k▼
Amounts payable within one year42/48€80k€74k▼
Trade debts44€395€695▲
Suppliers440/4€395€695▲
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€10k€8k▼
Other amounts payable47/48€69k€65k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€745€834▲
Gross operating margin9900€74k€72k▼
Operating profit (loss)9901€71k€69k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€66€69▲
Recurring financial charges65€66€69▲
Profit (loss) for the period before taxes9903€71k€69k▼
Income taxes67/77€15k€14k▼
Profit (loss) for the period9904€56k€54k▼
Profit (loss) for the period to be appropriated9905€56k€54k▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€54k▼
Transfer from equity791/2€2k€0▼
Profit to be distributed694/7€58k€54k▼
Return on contributions (dividend)694€58k€54k▼
The notes to these accounts (10 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
2025
08-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
22-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €56k ▲27.2%
Net result €56k, the highest in the series.
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €31k ▼23.2%
Net result drops to €31k, the lowest in the series; recovery starts the following year.
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-09
Financial
Liquidity times 6current ratio 22.77
Current ratio from 3.72 to 22.77; short-term debt falls from €55k to €9k.
13-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €150kEq €151k ▲37%
3 profitable years in a row build equity to €151k.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Liquidity doublescurrent ratio 5.53
Current ratio from 2.56 to 5.53; short-term debt falls from €40k to €24k.
30-09
Financial
Equity above €100kEq €110k ▲75.9%
2 profitable years in a row build equity to €110k.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · 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, Temse · 1 establishment unit since 2017
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.
Parklaan 429140 TemseGround area
707 m²
Building footprint
56 m²
Volume, LiDAR
450 m³
Parcel 46302D1366/00A002, Flanders · tallest building 13.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SMANS'
since 20172.266.965.521
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46302D1366/00A002 | Flanders | 707 m² | 1 · 56 m² | 13.8 m · 3 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 9,635 companies in sector 68121 we hold annual accounts for 7,327. 3,908 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-2017
Fiscal year end30-09
Activities, NACEBEL
68121Development of residential building projects
41001General construction of residential buildings
68122Development of non-residential building projects
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.