SMEDKA
ActiveSMEDKA has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €9k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 16% of 6967 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability66▼-34
Solvency3=
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity short (current ratio 0.08 against 0.09 in 2024), and 94.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
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
5.2%
Return on assets
0.7%
Age of the figures
11 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 6967 sector peers (2025).
NBB · sector comparisonPosition among 6967 sector peers
Solvency
better than 16%
← weakest
strongest →
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 €64k
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 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
6 d early
2022
9 d late
2021
24 d early
2020
4 d early
2019
2 d early
← 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
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€64k▲ 15.3%
2024 · €56k
2018: €60k
2019: €67k
2020: €101k
2021: €68k
2022: €57k
2023: €44k
2024: €56k
2018 → 2025
Total assets
€1.24M▼ 1.2%
2024 · €1.25M
2018: €1.01M
2019: €987k
2020: €1.13M
2021: €1.13M
2022: €1.13M
2023: €1.24M
2024: €1.25M
2018 → 2025
Net result
€9k▼ 24.1%
2024 · €11k
2018: €-7k
2019: €6k
2020: €34k
2021: €-33k
2022: €-11k
2023: €-13k
2024: €11k
2018 → 2025
Working capital
€-719k▲ 0.2%
2024 · €-721k
2018: €-416k
2019: €-455k
2020: €-564k
2021: €-645k
2022: €-699k
2023: €-728k
2024: €-721k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€68k-€57k▼ 15.6%€44k▼ 22.8%€56k▲ 25.3%€64k▲ 15.3%
Operating result€27k-€47k▲ 72.4%€47k▲ 0.2%€69k▲ 46.5%€117k▲ 68.0%
Net result€-33k-€-11k▲ 67.7%€-13k▼ 23.8%€11k€9k▼ 24.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 68% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.24M
Fixed assets
€1.17M▼ 0.8%
Current assets
€61k▼ 8.9%
Equity and liabilities €1.24M
Equity
€64k▲ 15.3%
Provisions
€309k=
Debt
€863k▼ 2.7%
The debt ratio falls from 70.9% to 69.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€152k▲
2024 · €101k
Cash flow
€44k▲
2024 · €43k
Solvency
5.2%▲
2024 · 4.4%
Current ratio
0.08▼
2024 · 0.09
Quick ratio
0.08▼
2024 · 0.09
Debt / equity
13.46▼
2024 · 15.96
ROE
13.3%▼
2024 · 20.2%
ROA
0.7%▼
2024 · 0.9%
Interest coverage
1.51▼
2024 · 1.74
Debt
€863k▼
2024 · €887k
Debt ≤ 1 year
€781k▼
2024 · €788k
Debt > 1 year
€75k▼
2024 · €96k
Income taxes
€7k▲
2024 · €89
Staff costs
€28k▲
2024 · €28k
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€1.25M€1.24M▼
Fixed assets21/28€1.18M€1.17M▼
Tangible fixed assets22/27€477k€467k▼
Land and buildings22€427k€432k▲
Plant, machinery and equipment23€35k€24k▼
Furniture and vehicles24€14k€11k▼
Financial fixed assets28€708k€708k▲
Current assets29/58€67k€61k▼
Amounts receivable within one year40/41€63k€60k▼
Trade receivables40€63k€60k▼
Cash at bank and in hand54/58€3k€1k▼
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€1.25M€1.24M▼
Equity10/15€56k€64k▲
Contributions10/11€19k€19k=
Reserves13€37k€45k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€35k€44k▲
Profit (loss) carried forward14€0-
Provisions and deferred taxes16€309k€309k=
Provisions for liabilities and charges160/5€309k€309k=
Other liabilities and charges164/5€309k€309k=
Amounts payable17/49€887k€863k▼
Amounts payable after more than one year17€96k€75k▼
Financial debts170/4€96k€75k▼
Amounts payable within one year42/48€788k€781k▼
Current portion of amounts payable after more than one year42€21k€21k▲
Trade debts44€3k€6k▲
Suppliers440/4€3k€6k▲
Taxes, remuneration and social security45€16k€26k▲
Taxes450/3€12k€21k▲
Remuneration and social security454/9€3k€5k▲
Other amounts payable47/48€748k€727k▼
Accrued charges and deferred income492/3€3k€7k▲
Income statement
Code20242025
Remuneration, social security and pensions62€28k€28k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€36k▲
Other operating charges640/8€3k€6k▲
Gross operating margin9900€132k€186k▲
Operating profit (loss)9901€69k€117k▲
Financial income75/76B€5-
Recurring financial income75€5-
Financial charges65/66B€58k€101k▲
Recurring financial charges65€58k€101k▲
Profit (loss) for the period before taxes9903€11k€16k▲
Income taxes67/77€89€7k▲
Profit (loss) for the period9904€11k€9k▼
Profit (loss) for the period to be appropriated9905€11k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€889€9k▲
Profit (loss) brought forward from the previous period14P€-10k-
Transfer to equity691/2€889€9k▲
To other reserves6921€889€9k▲
The notes to these accounts (8 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €11k
Net result €11k after 3 loss-making years.
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
06-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet €-33k ▼196%
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
26-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Highest result since 2018net €34k ▲449%
Net result €34k, the highest in the series.
30-09
Financial
Equity above €100kEq €101k ▲51.4%
2 profitable years in a row build equity to €101k.
28-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-04
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
1 act for this company is 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, Bierbeek · 2 establishment units since 2009
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.
Waversesteenweg(OPV) 1143360 BierbeekGround area
2,228 m²
Building footprint
691 m²
Volume, LiDAR
2,237 m³
2 parcels, Flanders, Wallonia · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Waversesteenweg(OPV) 114, 3360 Bierbeek
since 20092.184.045.466
Smedka
since 20182.300.983.322
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24713A0246/00K000 | Flanders | 1,437 m² | 1 · 432 m² | 6.6 m · 2 fl. |
| 83025B0979/00C000 | Wallonia | 791 m² | 1 · 259 m² | - |
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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JEVATRUCKS
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Sparkling Solutions
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BLR MANAGEMENT
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 39,152 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-12-2009
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
55203Holiday cottages, homes and apartments
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.