Smeba
ActiveSmeba has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €228k and a net result of €16k. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 52% of 7446 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability73=
Solvency70▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 1.67 against 2.0 in 2023; short-term debt: 42.9% and cash: 13.5% of total assets), but 55.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-09-2025, 57 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
57 d late
2023
2 d early
2022
30 d late
2021
30 d late
2020
19 d late
2019
30 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€228k▲ 7.3%
2023 · €213k
2018: €92k
2019: €116k
2020: €129k
2021: €151k
2022: €194k
2023: €213k
2018 → 2024
Total assets
€510k▲ 1.8%
2023 · €501k
2018: €375k
2019: €456k
2020: €514k
2021: €522k
2022: €544k
2023: €501k
2018 → 2024
Net result
€16k▼ 16.3%
2023 · €19k
2018: €9k
2019: €24k
2020: €13k
2021: €22k
2022: €42k
2023: €19k
2018 → 2024
Working capital
€146k▼ 18.9%
2023 · €181k
2018: €84k
2019: €138k
2020: €122k
2021: €138k
2022: €168k
2023: €181k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€129k-€151k▲ 17.0%€194k▲ 28.0%€213k▲ 9.7%€228k▲ 7.3%
Operating result€15k-€36k▲ 134%€68k▲ 87.4%€31k▼ 54.3%€23k▼ 25.3%
Net result€13k-€22k▲ 70.4%€42k▲ 93.1%€19k▼ 55.5%€16k▼ 16.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 25% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €510k
Fixed assets
€145k▲ 3.5%
Current assets
€366k▲ 1.2%
Equity and liabilities €510k
Equity
€228k▲ 7.3%
Debt
€282k▼ 2.3%
The debt ratio falls from 57.6% to 55.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€73k▼
2023 · €80k
Cash flow
€66k▼
2023 · €68k
Solvency
44.7%▲
2023 · 42.4%
Current ratio
1.67▼
2023 · 2.00
Quick ratio
1.67▼
2023 · 1.97
Debt / equity
1.24▼
2023 · 1.36
ROE
6.9%▼
2023 · 8.9%
ROA
3.1%▼
2023 · 3.8%
Interest coverage
11.18▼
2023 · 15.22
Debt
€282k▼
2023 · €289k
Debt ≤ 1 year
€219k▲
2023 · €181k
Debt > 1 year
€63k▼
2023 · €108k
Income taxes
€10k▼
2023 · €13k
Staff costs
€186k▼
2023 · €277k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€501k€510k▲
Fixed assets21/28€140k€145k▲
Tangible fixed assets22/27€115k€120k▲
Plant, machinery and equipment23€11k€11k▲
Furniture and vehicles24€38k€77k▲
Leasing and similar rights25€66k€32k▼
Financial fixed assets28€25k€25k=
Current assets29/58€361k€366k▲
Amounts receivable after more than one year29€20k€0▼
Other amounts receivable291€20k€0▼
Stocks and contracts in progress3€5k€0▼
Contracts in progress37€5k€0▼
Amounts receivable within one year40/41€283k€290k▲
Trade receivables40€133k€88k▼
Other amounts receivable41€150k€202k▲
Cash at bank and in hand54/58€46k€69k▲
Deferred charges and accrued income490/1€7k€7k▼
Equity and liabilities
Total equity and liabilities10/49€501k€510k▲
Equity10/15€213k€228k▲
Contributions10/11€20k€20k=
Reserves13€193k€208k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€191k€206k▲
Amounts payable17/49€289k€282k▼
Amounts payable after more than one year17€108k€63k▼
Financial debts170/4€108k€63k▼
Amounts payable within one year42/48€181k€219k▲
Current portion of amounts payable after more than one year42€50k€45k▼
Trade debts44€109k€155k▲
Suppliers440/4€109k€155k▲
Taxes, remuneration and social security45€18k€19k▲
Taxes450/3€845€11k▲
Remuneration and social security454/9€17k€8k▼
Other amounts payable47/48€3k€0▼
Income statement
Code20232024
Non-recurring operating income76A-€23k
Remuneration, social security and pensions62€277k€186k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€50k▲
Other operating charges640/8€6k€8k▲
Non-recurring operating charges66A€2k€496▼
Gross operating margin9900€364k€268k▼
Operating profit (loss)9901€31k€23k▼
Financial income75/76B€6k€9k▲
Recurring financial income75€6k€9k▲
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€32k€26k▼
Income taxes67/77€13k€10k▼
Profit (loss) for the period9904€19k€16k▼
Profit (loss) for the period to be appropriated9905€19k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€16k▼
Transfer to equity691/2€19k€16k▼
To other reserves6921€19k€16k▼
Social balance
Average headcount (FTE)90876.14.3▼
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 57 days late
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €200kEq €213k ▲9.7%
6 profitable years in a row build equity to €213k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €42k ▲93.1%
Operating result €68k, net result €42k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Equity above €150kEq €151k ▲17%
4 profitable years in a row build equity to €151k.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 19 days late
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €116k ▲26.2%
2 profitable years in a row build equity to €116k.
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 57 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Zandhoven · 1 establishment unit since 2007
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.
Schegel 42240 ZandhovenGround area
86 m²
Building footprint
86 m²
Volume, LiDAR
298 m³
Parcel 11054A0143/00M000, Flanders · tallest building 8.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Smeba
since 20072.160.914.332
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11054A0143/00M000 | Flanders | 86 m² | 1 · 86 m² | 8.7 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.
Similar companies · same sector, comparable size
R.C.B.
BE 0863.177.561
Oudenaarde · Eq €228k
VERWILST AANNEMINGEN
BE 0763.690.106
Tielt · Eq €228k
IMMO 2000 CONSTRUCT S.A.
BE 0450.089.007
Trooz · Eq €232k
TERCOMAT
BE 0559.985.354
Hamois · Eq €232k
MM afbraakwerken
BE 0744.543.690
Wuustwezel · Eq €223k
Of 1,365 companies in sector 43110 we hold annual accounts for 632. 487 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-03-2007
Fiscal year end31-12
Activities, NACEBEL
01410Raising of dairy cattle
41001General construction of residential buildings
43110Demolition
81300Landscape service activities
45111
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.