SMEETS & ZOON
ActiveSummary
SMEETS & ZOON has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €966k and a net result of €85k. Equity is growing by ~11% per year across the filed fiscal years. Its solvency ranks better than 66% of 913 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+17
Solvency81▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 3.4 against 2.65 in 2024; short-term debt: 19.5% and cash: 10.3% of total assets), and 44% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
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
56%
Return on assets
4.9%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
24 d early
2023
19 d early
2022
32 d early
2021
26 d early
2020
30 d late
2019
87 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€966k▲ 9.7%
2024 · €881k
2018: €422k
2019: €484k
2020: €538k
2021: €672k
2022: €729k
2023: €740k
2024: €881k
2018 → 2025
Total assets
€1.73M▼ 2.4%
2024 · €1.77M
2018: €1.32M
2019: €1.42M
2020: €1.68M
2021: €2.00M
2022: €2.19M
2023: €1.71M
2024: €1.77M
2018 → 2025
Net result
€85k▼ 39.9%
2024 · €142k
2018: €32k
2019: €62k
2020: €54k
2021: €134k
2022: €57k
2023: €11k
2024: €142k
2018 → 2025
Working capital
€808k▲ 8.6%
2024 · €744k
2018: €194k
2019: €288k
2020: €249k
2021: €158k
2022: €499k
2023: €581k
2024: €744k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€672k-€729k▲ 8.5%€740k▲ 1.5%€881k▲ 19.1%€966k▲ 9.7%
Operating result€158k-€70k▼ 55.6%€31k▼ 55.6%€122k▲ 291%€126k▲ 3.2%
Net result€134k-€57k▼ 57.2%€11k▼ 81.4%€142k▲ 1,224%€85k▼ 39.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.73M
Fixed assets
€583k ▲ 1.4%
Current assets
€1.14M ▼ 4.2%
Equity and liabilities €1.73M
Equity
€966k ▲ 9.7%
Provisions
€10k ▲ 137%
Debt
€751k ▼ 15.1%
Debt's share of the balance-sheet total falls from 49.9% to 43.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€412k▲
2024 · €390k
Cash flow
€372k▼
2024 · €410k
Current ratio
3.40▲
2024 · 2.65
Quick ratio
3.35▲
2024 · 2.62
Debt to equity
0.78▼
2024 · 1.00
ROE
8.8%▼
2024 · 16.1%
ROA
4.9%▼
2024 · 8.0%
Interest coverage
13.77▲
2024 · -8.88
Debt ≤ 1 year
€336k▼
2024 · €450k
Debt > 1 year
€391k▼
2024 · €408k
Income taxes
€14k▼
2024 · €31k
Staff costs
€384k▲
2024 · €348k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 60 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.77M€1.73M▼
Fixed assets21/28€575k€583k▲
Tangible fixed assets22/27€562k€570k▲
Land and buildings22€52k€43k▼
Plant, machinery and equipment23€295k€196k▼
Furniture and vehicles24€87k€23k▼
Leasing and similar rights25€128k€309k▲
Financial fixed assets28€13k€13k=
Current assets29/58€1.19M€1.14M▼
Stocks and contracts in progress3€17k€19k▲
Stocks30/36€17k€19k▲
Amounts receivable within one year40/41€493k€389k▼
Trade receivables40€426k€350k▼
Other amounts receivable41€67k€39k▼
Current investments50/53€481k€510k▲
Cash at bank and in hand54/58€158k€177k▲
Deferred charges and accrued income490/1€46k€50k▲
Equity and liabilities
Total equity and liabilities10/49€1.77M€1.73M▼
Equity10/15€881k€966k▲
Contributions10/11€19k€19k=
Reserves13€862k€947k▲
Tax-exempt reserves132€17k€40k▲
Distributable reserves133€845k€908k▲
Provisions and deferred taxes16€4k€10k▲
Deferred taxes168€4k€10k▲
Amounts payable17/49€884k€751k▼
Amounts payable after more than one year17€408k€391k▼
Financial debts170/4€408k€391k▼
Amounts payable within one year42/48€450k€336k▼
Current portion of amounts payable after more than one year42€187k€195k▲
Trade debts44€234k€113k▼
Suppliers440/4€234k€113k▼
Taxes, remuneration and social security45€17k€16k▼
Taxes450/3€4k€2k▼
Remuneration and social security454/9€13k€14k▲
Other amounts payable47/48€12k€12k▼
Accrued charges and deferred income492/3€26k€24k▼
Income statement
Code20242025
Non-recurring operating income76A€6k€48k▲
Remuneration, social security and pensions62€348k€384k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€268k€286k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€5k€9k▲
Gross operating margin9900€743k€805k▲
Operating profit (loss)9901€122k€126k▲
Financial income75/76B€3k€9k▲
Recurring financial income75€3k€9k▲
Financial charges65/66B€-44k€30k▲
Recurring financial charges65€-44k€30k▲
Profit (loss) for the period before taxes9903€169k€105k▼
Transfer from deferred taxes780€4k€4k▲
Transfer to deferred taxes680-€10k
Income taxes67/77€31k€14k▼
Profit (loss) for the period9904€142k€85k▼
Transfer from tax-exempt reserves789€14k€16k▲
Transfer to tax-exempt reserves689-€39k
Profit (loss) for the period to be appropriated9905€156k€62k▼
Appropriation of the result
Profit (loss) to be appropriated9906€156k€62k▼
Transfer to equity691/2€156k€62k▼
To other reserves6921€156k€62k▼
Social balance
Average headcount (FTE)90875.65.6=
The notes to these accounts (19 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €142k ▲1224%
Net result €142k, the highest in the series.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €11k ▼81.4%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
31-12
Financial
Equity above €500kEq €538k ▲11.1%
3 profitable years in a row build equity to €538k.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 87 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 24 days late
2017
31-07
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, Riemst · 1 establishment unit since 2000
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.
Smisstraat 593770 RiemstGround area
786 m²
Building footprint
281 m²
Volume, LiDAR
1,375 m³
Parcel 73092D0144/00V000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Smisstraat 59, 3770 Riemst
since 20002.097.188.203
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73092D0144/00V000 | Flanders | 786 m² | 1 · 281 m² | 7.9 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,407 EUR awarded · 1,407 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 248 EUR | 248 EUR |
| 2024 | 1 | 233 EUR | 233 EUR |
| 2023 | 1 | 279 EUR | 279 EUR |
| 2022 | 1 | 647 EUR | 647 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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INTERLIJMWERKEN
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Of 667 companies in sector 77320 we hold annual accounts for 492. 344 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2000
Fiscal year end31-12
Activities, NACEBEL 2025
43120Site preparation
77320Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.