SMEETS TOM
ActiveSMEETS TOM has been active since 1979 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25k and a net result of €134k. Equity is shrinking by ~41% per year across the filed fiscal years. Its solvency ranks better than 14% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
63
/ 100
Healthy▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency15▼-21
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 2.05 in 2024), and 97.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 47
Relative position
BE, all sectors
reference
Sector 47
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
2.4%
Return on assets
13.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 10242 sector peers (2025).
NBB · sector comparisonPosition among 10242 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
60 d late
2023
19 d late
2022
31 d late
2021
30 d late
2020
26 d late
2019
84 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€25k▼ 39.2%
2024 · €40k
2018: €621k
2019: €692k
2020: €773k
2021: €857k
2022: €26k
2023: €26k
2024: €40k
2018 → 2025
Total assets
€1.01M▼ 13.3%
2024 · €1.17M
2018: €1.12M
2019: €1.09M
2020: €981k
2021: €1.03M
2022: €1.13M
2023: €1.04M
2024: €1.17M
2018 → 2025
Net result
€134k▲ 863%
2024 · €14k
2018: €58k
2019: €71k
2020: €81k
2021: €84k
2022: €112k
2023: €89k
2024: €14k
2018 → 2025
Working capital
€54k▼ 88.8%
2024 · €485k
2018: €555k
2019: €600k
2020: €621k
2021: €760k
2022: €-83k
2023: €501k
2024: €485k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€857k-€26k▼ 96.9%€26k=€40k▲ 52.8%€25k▼ 39.2%
Operating result€120k-€150k▲ 25.6%€119k▼ 20.7%€23k▼ 80.8%€194k▲ 747%
Net result€84k-€112k▲ 33.0%€89k▼ 20.8%€14k▼ 84.3%€134k▲ 863%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 747% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.01M
Fixed assets
€297k▲ 34.7%
Current assets
€714k▼ 24.5%
Equity and liabilities €1.01M
Equity
€25k▼ 39.2%
Debt
€987k▼ 12.4%
The debt ratio rises from 96.5% to 97.6%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€242k▲
2024 · €58k
Cash flow
€183k▲
2024 · €49k
Solvency
2.4%▼
2024 · 3.5%
Current ratio
1.08▼
2024 · 2.05
Quick ratio
0.52▼
2024 · 1.35
Debt / equity
40.25▲
2024 · 27.94
ROE
547.3%▲
2024 · 34.6%
ROA
13.3%▲
2024 · 1.2%
Interest coverage
14.20▲
2024 · 5.67
Debt
€987k▼
2024 · €1.13M
Debt ≤ 1 year
€659k▲
2024 · €461k
Debt > 1 year
€327k▼
2024 · €665k
Income taxes
€50k▲
2024 · €5k
Staff costs
€308k▲
2024 · €303k
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€1.17M€1.01M▼
Fixed assets21/28€221k€297k▲
Tangible fixed assets22/27€215k€292k▲
Land and buildings22€45k€34k▼
Plant, machinery and equipment23€143k€168k▲
Furniture and vehicles24€6k€11k▲
Leasing and similar rights25-€60k
Other tangible fixed assets26€22k€19k▼
Financial fixed assets28€6k€6k=
Current assets29/58€946k€714k▼
Amounts receivable after more than one year29€168k€0▼
Other amounts receivable291€168k€0▼
Stocks and contracts in progress3€322k€373k▲
Stocks30/36€322k€373k▲
Amounts receivable within one year40/41€258k€248k▼
Trade receivables40€248k€223k▼
Other amounts receivable41€11k€25k▲
Cash at bank and in hand54/58€190k€87k▼
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€1.17M€1.01M▼
Equity10/15€40k€25k▼
Contributions10/11€19k€19k=
Reserves13€22k€6k▼
Tax-exempt reserves132€4k€4k=
Distributable reserves133€18k€2k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.13M€987k▼
Amounts payable after more than one year17€665k€327k▼
Financial debts170/4€665k€327k▼
Amounts payable within one year42/48€461k€659k▲
Current portion of amounts payable after more than one year42-€12k
Financial debts43-€4k
Credit institutions430/8-€4k
Trade debts44€399k€383k▼
Suppliers440/4€399k€383k▼
Taxes, remuneration and social security45€62k€110k▲
Taxes450/3€5k€50k▲
Remuneration and social security454/9€56k€60k▲
Other amounts payable47/48€0€150k▲
Accrued charges and deferred income492/3-€160
Income statement
Code20242025
Remuneration, social security and pensions62€303k€308k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€49k▲
Other operating charges640/8€5k€6k▲
Gross operating margin9900€367k€556k▲
Operating profit (loss)9901€23k€194k▲
Financial income75/76B€6k€8k▲
Recurring financial income75€6k€8k▲
Financial charges65/66B€10k€17k▲
Recurring financial charges65€10k€17k▲
Profit (loss) for the period before taxes9903€19k€184k▲
Income taxes67/77€5k€50k▲
Profit (loss) for the period9904€14k€134k▲
Profit (loss) for the period to be appropriated9905€14k€134k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€134k▲
Transfer from equity791/2-€16k
Transfer to equity691/2€14k€0▼
To other reserves6921€14k€0▼
Profit to be distributed694/7€0€150k▲
Return on contributions (dividend)694€0€150k▲
Social balance
Average headcount (FTE)90874.14.2▲
The notes to these accounts (17 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Highest result since 2018net €134k ▲863%
Operating result €194k, net result €134k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 60 days late
2024
31-12
Financial
Weakest financial yearnet €14k ▼84.3%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 19 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 2.29
Current ratio from 0.92 to 2.29; short-term debt falls from €1.10M to €388k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 84 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
28-07
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
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, Lint · 2 establishment units since 1979
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.
Kardinaal Cardijnlaan 92547 LintGround area
976 m²
Building footprint
427 m²
Volume, LiDAR
3,324 m³
2 parcels, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
APOTHEEK SMEETS TOM
since 19792.016.538.839
APOTHEEK POLDERKEN
since 19902.016.538.938
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11025E0320/00K002 | Flanders | 603 m² | 1 · 214 m² | 11.2 m · 3 fl. |
| 11025D0108/00Y013 | Flanders | 373 m² | 1 · 213 m² | 10.0 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 31,974 EUR awarded · 31,974 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1 EUR | 1 EUR |
| 2024 | 2 | 7,535 EUR | 7,535 EUR |
| 2023 | 2 | 13,766 EUR | 13,766 EUR |
| 2022 | 1 | 10,672 EUR | 10,672 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
2 sitesLint2.016.538.839
Lint2.016.538.938
Similar companies · same sector, comparable size
APOTHEEK HUMBLET
BE 0432.846.365
Zoutleeuw · Eq €25k
far.mar.sie.
BE 1024.339.103
Hasselt · Eq €25k
PHARMACIE ZENROC
BE 0600.783.950
Mons · Eq €24k
Apotheek Yves Tarnaud
BE 0859.602.023
Antwerpen · Eq €25k
APOTHEEK PEETERMANS
BE 0477.755.286
Hasselt · Eq €25k
Of 5,209 companies in sector 47730 we hold annual accounts for 3,851. 1,743 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-1979
Fiscal year end31-12
Activities, NACEBEL
47730Retail sale of pharmaceutical products
52310
Sources
Crossroads Bank for EnterprisesNational Bank · 46 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.