{SMEYS}
Active{SMEYS} is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €108k and a net result of €282k. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 13% of 1458 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 1458 sector peers (2025).
NBB · sector comparisonPosition among 1458 sector peers
Solvency
better than 13%
← weakest
strongest →
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 03-07-2026, 28 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
28 d early
2024
31 d early
2023
28 d early
2022
50 d late
2021
37 d early
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€108k=
2024 · €108k
2021: €17k
2022: €72k
2023: €108k
2024: €108k
2021 → 2025
Net result
€282k▼ 20.0%
2024 · €352k
2021: €87k
2022: €125k
2023: €195k
2024: €352k
2021 → 2025
Total assets
€2.26M▼ 5.1%
2024 · €2.38M
2021: €1.90M
2022: €2.27M
2023: €2.36M
2024: €2.38M
2021 → 2025
Solvency
4.8%▲ 0.2pp
2024 · 4.5%
2021: 0.9%
2022: 3.2%
2023: 4.6%
2024: 4.5%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€72k▲ 332%€108k▲ 48.7%€108k▲ 0.5%€108k=
Operating result€113k-€172k▲ 51.7%€260k▲ 51.3%€447k▲ 71.6%€349k▼ 21.8%
Net result€87k-€125k▲ 44.5%€195k▲ 55.7%€352k▲ 80.5%€282k▼ 20.0%
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 falls in 2025; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.26M
Fixed assets
€1.63M▼ 13.9%
Current assets
€635k▲ 28.9%
Equity and liabilities €2.26M
Equity
€108k=
Debt
€2.15M▼ 5.3%
The debt ratio falls from 95.5% to 95.2%: debt is paid down.
Key figures and ratios
Solvency
4.8%▲
2024 · 4.5%
ROE
260.3%▼
2024 · 325.5%
ROA
12.5%▼
2024 · 14.8%
Debt
€2.15M▼
2024 · €2.27M
Debt ≤ 1 year
€1.06M▲
2024 · €975k
Debt > 1 year
€1.10M▼
2024 · €1.30M
Income taxes
€15k▼
2024 · €40k
Staff costs
€473k▲
2024 · €395k
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€2.38M€2.26M▼
Fixed assets21/28€1.89M€1.63M▼
Intangible fixed assets21€1.80M€1.43M▼
Tangible fixed assets22/27€88k€196k▲
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€51k€48k▼
Other tangible fixed assets26€28k€142k▲
Financial fixed assets28€2k€2k=
Current assets29/58€493k€635k▲
Amounts receivable within one year40/41€421k€502k▲
Other amounts receivable41€421k€502k▲
Cash at bank and in hand54/58€627€23k▲
Deferred charges and accrued income490/1€71k€111k▲
Equity and liabilities
Total equity and liabilities10/49€2.38M€2.26M▼
Equity10/15€108k€108k=
Contributions10/11€10k€10k=
Profit (loss) carried forward14€98k€98k=
Amounts payable17/49€2.27M€2.15M▼
Amounts payable after more than one year17€1.30M€1.10M▼
Financial debts170/4€1.30M€1.10M▼
Amounts payable within one year42/48€975k€1.06M▲
Current portion of amounts payable after more than one year42€402k€435k▲
Trade debts44€21k€49k▲
Suppliers440/4€21k€49k▲
Taxes, remuneration and social security45€109k€110k▲
Taxes450/3€37k€43k▲
Remuneration and social security454/9€73k€66k▼
Other amounts payable47/48€443k€465k▲
Income statement
Code20242025
Remuneration, social security and pensions62€395k€473k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€348k€376k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€1.19M€1.20M▲
Operating profit (loss)9901€447k€349k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€54k€52k▼
Recurring financial charges65€54k€52k▼
Profit (loss) for the period before taxes9903€392k€297k▼
Income taxes67/77€40k€15k▼
Profit (loss) for the period9904€352k€282k▼
Profit (loss) for the period to be appropriated9905€352k€282k▼
Appropriation of the result
Profit (loss) to be appropriated9906€448k€380k▼
Profit (loss) brought forward from the previous period14P€96k€98k▲
Profit to be distributed694/7€350k€282k▼
Return on contributions (dividend)694€50k€2k▼
Directors or managers695€300k€280k▼
Social balance
Average headcount (FTE)90875.15.6▲
The notes to these accounts (22 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2021net €352k ▲80.5%
Operating result €447k, net result €352k, both a record.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €100kEq €108k ▲48.7%
3 profitable years in a row build equity to €108k.
19-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 50 days late
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Leuven · 2 establishment units since 2021
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.
Aarschotsesteenweg 3373012 LeuvenGround area
822 m²
Building footprint
319 m²
Volume, LiDAR
2,468 m³
2 parcels, Brussels, Flanders · tallest building 18.9 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
{SMEYS}
since 20212.317.322.278
{SMEYS}
since 20212.317.322.377
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24126B0197/00C002 | Flanders | 578 m² | 1 · 147 m² | 9.9 m |
| 21016B0212/00A007 | Brussels | 244 m² | 1 · 173 m² | 18.9 m · 4 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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Vande Keere - Financiële Bescherming
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ROMAN Jean-Luc
BE 0460.538.677
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CREASS INSURANCE
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Assenede · Eq €108k
Of 4,666 companies in sector 66220 we hold annual accounts for 3,215. 2,719 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-04-2021
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.