AANNEMINGEN SMEULDERS
ActiveSummary
AANNEMINGEN SMEULDERS has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €17k. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 54% of 13305 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-9
Solvency59▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 1.27 in 2024; short-term debt: 51.6% and cash: 0% of total assets), and 65.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
34.5%
Return on assets
6.1%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-02-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
21 d late
2023
2 d late
2022
28 d late
2021
4 d early
2020
13 d early
2019
6 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€96k▲ 21.7%
2024 · €79k
2019: €35k
2020: €69k
2021: €86k
2022: €52k
2023: €52k
2024: €79k
2019 → 2025
Total assets
€277k▲ 34.0%
2024 · €207k
2019: €217k
2020: €203k
2021: €338k
2022: €210k
2023: €198k
2024: €207k
2019 → 2025
Net result
€17k▼ 35.2%
2024 · €26k
2019: €-29k
2020: €35k
2021: €17k
2022: €-34k
2023: €607
2024: €26k
2019 → 2025
Working capital
€37k▲ 102%
2024 · €18k
2019: €-131k
2020: €-85k
2021: €91k
2022: €16k
2023: €-2k
2024: €18k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€86k-€52k▼ 39.9%€52k▲ 1.2%€79k▲ 50.2%€96k▲ 21.7%
Operating result€23k-€-31k€5k€34k▲ 645%€30k▼ 10.6%
Net result€17k-€-34k€607€26k▲ 4,227%€17k▼ 35.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €277k
Fixed assets
€97k ▼ 19.8%
Current assets
€180k ▲ 110%
Equity and liabilities €277k
Equity
€96k ▲ 21.7%
Debt
€182k ▲ 41.6%
Debt's share of the balance-sheet total rises from 62.0% to 65.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€56k▼
2024 · €60k
Cash flow
€42k▼
2024 · €52k
Current ratio
1.26▼
2024 · 1.27
Debt to equity
1.90▲
2024 · 1.63
ROE
17.8%▼
2024 · 33.4%
ROA
6.1%▼
2024 · 12.7%
Interest coverage
8.20▼
2024 · 15.99
Debt ≤ 1 year
€143k▲
2024 · €68k
Debt > 1 year
€34k▼
2024 · €57k
Income taxes
€11k▲
2024 · €5k
Staff costs
€146k▲
2024 · €122k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€207k€277k▲
Fixed assets21/28€121k€97k▼
Tangible fixed assets22/27€116k€92k▼
Land and buildings22€97k€80k▼
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€6k€6k▲
Leasing and similar rights25€4k€0▼
Financial fixed assets28€5k€5k=
Current assets29/58€86k€180k▲
Amounts receivable within one year40/41€78k€180k▲
Trade receivables40€35k€36k▲
Other amounts receivable41€43k€144k▲
Cash at bank and in hand54/58€6k€0▼
Deferred charges and accrued income490/1€2k€638▼
Equity and liabilities
Total equity and liabilities10/49€207k€277k▲
Equity10/15€79k€96k▲
Contributions10/11€19k€19k=
Reserves13€67k€67k=
Distributable reserves133€67k€67k=
Profit (loss) carried forward14€-7k€10k▲
Amounts payable17/49€128k€182k▲
Amounts payable after more than one year17€57k€34k▼
Financial debts170/4€57k€34k▼
Amounts payable within one year42/48€68k€143k▲
Current portion of amounts payable after more than one year42€27k€23k▼
Financial debts43€0€36k▲
Credit institutions430/8€0€36k▲
Trade debts44€15k€31k▲
Suppliers440/4€15k€31k▲
Taxes, remuneration and social security45€25k€53k▲
Taxes450/3€11k€52k▲
Remuneration and social security454/9€14k€2k▼
Accrued charges and deferred income492/3€3k€5k▲
Income statement
Code20242025
Non-recurring operating income76A€4k€0▼
Remuneration, social security and pensions62€122k€146k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€25k▼
Other operating charges640/8€8k€19k▲
Gross operating margin9900€190k€221k▲
Operating profit (loss)9901€34k€30k▼
Financial income75/76B€1k€5k▲
Recurring financial income75€1k€5k▲
Financial charges65/66B€4k€7k▲
Recurring financial charges65€4k€7k▲
Profit (loss) for the period before taxes9903€32k€28k▼
Income taxes67/77€5k€11k▲
Profit (loss) for the period9904€26k€17k▼
Profit (loss) for the period to be appropriated9905€26k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€10k▲
Profit (loss) brought forward from the previous period14P€-34k€-7k▲
The notes to these accounts (15 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
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
21-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
02-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
30-06
Financial
Back to profitnet €607
Net result €607 after one loss-making year.
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
30-06
Financial
Weakest financial yearnet €-34k ▼307%
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Liquidity times 6current ratio 1.87
Current ratio from 0.31 to 1.87; short-term debt falls from €123k to €105k.
18-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
06-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 6 days late
2019
12-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
17-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lennik · 1 establishment unit since 1995
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.
Steenbergstraat 21750 LennikGround area
760 m²
Building footprint
206 m²
Volume, LiDAR
1,249 m³
Parcel 23075D0124/00G000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SYPI CVBA
since 19952.070.363.941
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23075D0124/00G000 | Flanders | 760 m² | 1 · 206 m² | 8.6 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.
Similar companies · same sector, comparable size
BIEN SOIGNé
BE 0888.566.322
Antwerpen · Eq €95,129
JANSSENS CATERING
BE 0866.280.076
Leopoldsburg · Eq €95,015
MOMENTUM SERVICES LTD
BE 0472.125.625
London · Eq €97,736
Restaurants universitaires de Liége
BE 0445.631.262
Liège · Eq €91,798
BELPOKHARA
BE 0502.971.625
Aalst · Eq €90,936
Of 1,352 companies in sector 56220 we hold annual accounts for 405. 315 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
Founded12-01-1995
Fiscal year end30-06
Activities, NACEBEL 2025
43320Joinery installation
56220Contract catering and other food service activities
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.