SMEVAN
ActiveSMEVAN has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €205k and a net result of €13k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 47% of 31220 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent▲ +31 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability32▲+32
Solvency83▲+4
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.47 in 2024), and 47.5% 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○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
52.5%
Return on assets
3.3%
Age of the figures
8 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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
2 d early
2023
112 d late
2022
30 d late
2021
24 d late
2020
24 d late
2019
87 d late
← before the deadline
after the deadline →
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
08-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€205k▲ 6.7%
2024 · €192k
2018: €142k
2019: €150k
2020: €155k
2021: €177k
2022: €208k
2023: €229k
2024: €192k
2018 → 2025
Total assets
€390k▼ 6.6%
2024 · €417k
2018: €664k
2019: €658k
2020: €675k
2021: €663k
2022: €655k
2023: €706k
2024: €417k
2018 → 2025
Net result
€13k
2024 · €-37k
2018: €11k
2019: €10k
2020: €8k
2021: €22k
2022: €32k
2023: €20k
2024: €-37k
2018 → 2025
Working capital
€19k▼ 13.6%
2024 · €22k
2018: €-300k
2019: €74
2020: €-12k
2021: €-22k
2022: €-19k
2023: €-28k
2024: €22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€177k-€208k▲ 18.0%€229k▲ 9.8%€192k▼ 16.2%€205k▲ 6.7%
Operating result€49k-€63k▲ 28.7%€50k▼ 20.9%€27k▼ 45.9%€25k▼ 8.2%
Net result€22k-€32k▲ 47.0%€20k▼ 35.8%€-37k€13k
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 three years in a row; 2025 is 8% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €390k
Fixed assets
€323k▼ 7.5%
Current assets
€67k▼ 2.5%
Equity and liabilities €390k
Equity
€205k▲ 6.7%
Debt
€185k▼ 18.0%
The debt ratio falls from 54.1% to 47.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€51k▼
2024 · €53k
Cash flow
€39k▲
2024 · €-11k
Solvency
52.5%▲
2024 · 45.9%
Current ratio
1.40▼
2024 · 1.47
Quick ratio
1.40▼
2024 · 1.47
Debt / equity
0.90▼
2024 · 1.18
ROE
6.3%▲
2024 · -19.4%
ROA
3.3%▲
2024 · -8.9%
Interest coverage
6.88▲
2024 · 4.16
Debt
€185k▼
2024 · €226k
Debt ≤ 1 year
€48k▲
2024 · €47k
Debt > 1 year
€135k▼
2024 · €179k
Income taxes
€5k▲
2024 · €4k
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€417k€390k▼
Fixed assets21/28€349k€323k▼
Tangible fixed assets22/27€349k€323k▼
Land and buildings22€297k€285k▼
Leasing and similar rights25€51k€38k▼
Financial fixed assets28€0-
Current assets29/58€68k€67k▼
Amounts receivable after more than one year29€54k€49k▼
Other amounts receivable291€54k€49k▼
Amounts receivable within one year40/41€4k€3k▼
Trade receivables40€0€604▲
Other amounts receivable41€4k€2k▼
Cash at bank and in hand54/58€10k€15k▲
Deferred charges and accrued income490/1€187€199▲
Equity and liabilities
Total equity and liabilities10/49€417k€390k▼
Equity10/15€192k€205k▲
Contributions10/11€108k€108k=
Reserves13€121k€121k=
Distributable reserves133€121k€121k=
Profit (loss) carried forward14€-37k€-24k▲
Amounts payable17/49€226k€185k▼
Amounts payable after more than one year17€179k€135k▼
Financial debts170/4€80k€38k▼
Other amounts payable178/9€99k€97k▼
Amounts payable within one year42/48€47k€48k▲
Current portion of amounts payable after more than one year42€40k€42k▲
Financial debts43€3k€3k▼
Credit institutions430/8€3k€3k▼
Trade debts44€52€338▲
Suppliers440/4€52€338▲
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€26k=
Other operating charges640/8€10k€10k▲
Gross operating margin9900€63k€61k▼
Operating profit (loss)9901€27k€25k▼
Financial income75/76B€181€1k▲
Recurring financial income75€181€1k▲
Financial charges65/66B€60k€7k▼
Recurring financial charges65€13k€7k▼
Non-recurring financial charges66B€48k€0▼
Profit (loss) for the period before taxes9903€-33k€18k▲
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€-37k€13k▲
Profit (loss) for the period to be appropriated9905€-37k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-37k€-24k▲
Profit (loss) brought forward from the previous period14P-€-37k
Transfer to equity691/2€0-
To other reserves6921€0-
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
2026
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
31-12
Financial
Equity above €200kEq €205k ▲6.7%
Equity rises from €192k to €205k.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-37k ▼282%
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 1.47
Current ratio from 0.55 to 1.47; short-term debt falls from €61k to €47k.
20-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 112 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €32k ▲47%
Operating result €63k, net result €32k, both a record.
31-12
Financial
Equity above €200kEq €208k ▲18%
5 profitable years in a row build equity to €208k.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 24 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 24 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
31-12
Financial
Liquidity times 12current ratio 1.00
Current ratio from 0.08 to 1.00; short-term debt falls from €328k to €37k.
31-12
Financial
Equity above €150kEq €150k ▲5.7%
2 profitable years in a row build equity to €150k.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Bree · 1 establishment unit since 1993
Ground area
6.6 ha
Building footprint
1.6 ha
Volume, LiDAR
1,625 m³
2 parcels, Flanders · tallest building 5.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bedrijfsstraat 5, 3990 Peer
since 19932.060.546.650
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72004A0320/00C000 | Flanders | 5.8 ha | 1 · 1.6 ha | - |
| 72010D0375/00P002 | Flanders | 8,611 m² | 1 · 316 m² | 5.8 m · 2 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.
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Of 82,142 companies in sector 70200 we hold annual accounts for 52,371. 39,825 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-12-1992
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.