SMEETS FILIP
ActiveSMEETS FILIP has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €559k and a net result of €70k. Equity is growing by ~50.2% per year across the filed fiscal years. Its solvency ranks better than 61% of 298 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2026
91
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability81▼-19
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 10.15 against 2.5 in 2025; short-term debt: 4% and cash: 26.8% of total assets), and 21.4% 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
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 →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
78.6%
Return on assets
9.8%
Age of the figures
6 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 28-04-2026, 186 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2026
186 d early
2025
52 d early
2024
29 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€559k▲ 14.3%
2025 · €489k
2024: €68k
2025: €489k
2024 → 2026
Total assets
€711k▲ 30.6%
2025 · €545k
2024: €337k
2025: €545k
2024 → 2026
Net result
€70k▼ 83.4%
2025 · €422k
2024: €65k
2025: €422k
2024 → 2026
Working capital
€259k▲ 311%
2025 · €63k
2024: €-199k
2025: €63k
2024 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202420252026Trend
Equity€68k-€489k▲ 622%€559k▲ 14.3%
Operating result€83k-€30k▼ 64.3%€29k▼ 1.8%
Net result€65k-€422k▲ 551%€70k▼ 83.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2026 is 2% below 2025 and is the lowest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €711k
Fixed assets
€424k▼ 3.6%
Current assets
€287k▲ 174%
Equity and liabilities €711k
Equity
€559k▲ 14.3%
Debt
€152k▲ 175%
The debt ratio rises from 10.2% to 21.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€45k▼
2025 · €54k
Cash flow
€86k▼
2025 · €446k
Solvency
78.6%▼
2025 · 89.8%
Current ratio
10.15▲
2025 · 2.50
Quick ratio
10.15▲
2025 · 2.50
Debt / equity
0.27▲
2025 · 0.11
ROE
12.5%▼
2025 · 86.2%
ROA
9.8%▼
2025 · 77.4%
Interest coverage
10.78▼
2025 · 24.79
Debt
€152k▲
2025 · €55k
Debt ≤ 1 year
€28k▼
2025 · €42k
Debt > 1 year
€124k▲
2025 · €13k
Income taxes
€9k▲
2025 · €8k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€545k€711k▲
Fixed assets21/28€440k€424k▼
Tangible fixed assets22/27€250k€235k▼
Land and buildings22€231k€226k▼
Furniture and vehicles24€20k€9k▼
Financial fixed assets28€189k€189k▲
Current assets29/58€105k€287k▲
Amounts receivable after more than one year29€18k€13k▼
Other amounts receivable291€18k€13k▼
Amounts receivable within one year40/41€13k€13k▼
Trade receivables40€8k€8k=
Other amounts receivable41€5k€5k▼
Current investments50/53€59k€69k▲
Cash at bank and in hand54/58€11k€190k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€545k€711k▲
Equity10/15€489k€559k▲
Contributions10/11€3k€3k=
Reserves13€486k€556k▲
Distributable reserves133€486k€556k▲
Amounts payable17/49€55k€152k▲
Amounts payable after more than one year17€13k€124k▲
Financial debts170/4€13k€124k▲
Amounts payable within one year42/48€42k€28k▼
Current portion of amounts payable after more than one year42€22k€15k▼
Financial debts43€10k€0▼
Credit institutions430/8€0-
Other loans439€10k€0▼
Trade debts44€200€3k▲
Suppliers440/4€200€3k▲
Taxes, remuneration and social security45€10k€10k▼
Taxes450/3€9k€8k▼
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€0-
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€16k▼
Other operating charges640/8€327€1k▲
Gross operating margin9900€55k€46k▼
Operating profit (loss)9901€30k€29k▼
Financial income75/76B€402k€54k▼
Recurring financial income75€310k€54k▼
Non-recurring financial income76B€92k€0▼
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€429k€79k▼
Income taxes67/77€8k€9k▲
Profit (loss) for the period9904€422k€70k▼
Profit (loss) for the period to be appropriated9905€422k€70k▼
Appropriation of the result
Profit (loss) to be appropriated9906€422k€70k▼
Transfer to equity691/2€422k€70k▼
To other reserves6921€422k€70k▼
The notes to these accounts (12 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 2027, expected by
2026
28-04
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-03
Financial
Liquidity quadruplescurrent ratio 10.15
Current ratio from 2.50 to 10.15; short-term debt falls from €42k to €28k.
31-03
Financial
Equity above €500kEq €559k ▲14.3%
3 profitable years in a row build equity to €559k.
2025
09-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2024net €422k ▲551%
Net result €422k, the highest in the series.
31-03
Financial
Liquidity times 28current ratio 2.50
Current ratio from 0.09 to 2.50; short-term debt falls from €219k to €42k.
31-03
Financial
Equity above €200kEq €489k ▲622%
2 profitable years in a row build equity to €489k.
2024
02-10
NBB filing
Annual accounts filed
fiscal year 2024 · 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, Lommel · 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.
Gareelmakersweg 753920 LommelGround area
800 m²
Building footprint
230 m²
Volume, LiDAR
1,015 m³
2 parcels, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SMEETS FILIP
since 20222.330.801.221
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72345B1802/00Y002 | Flanders | 407 m² | 1 · 107 m² | 8.0 m · 2 fl. |
| 72020C1397/00T011 | Flanders | 393 m² | 1 · 123 m² | 4.1 m · 1 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.
Recognitions · licences · registrations
Legal Entity Identifier
6488IPB72PSI014P5041
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Of 5,691 companies in sector 70100 we hold annual accounts for 3,489. 2,150 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-04-2022
Fiscal year end31-03
Activities, NACEBEL
70100Activities of head offices
64190Financial service activities, except insurance and pension funding
66191Agents and brokers in banking services
66220Insurance agents and brokers
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.