Financials
Financial year 2025
Kantoor Daenen - Smet from Sint-Niklaas, company number BE0426788518, closed financial year 2025 with a result of € 745,005 after tax. For that financial year Kantoor Daenen - Smet recorded a gross margin of € 1.8 million and equity of € 846,978. Compared with financial year 2024, the result moved from € 579,508 to € 745,005. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 27, 2026.
€ 846,978
▲ € 745,005 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 745,005
▲ 29% vs 2024
Profit after tax over the fiscal year.
€ 921,322
▼ 12% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 828,386.
People and assets in 2025
7.1
▲ 0.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 513,215
▲ 4% vs 2024
€ 72,300 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 387
▼ 81% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.5 million
▲ 15% vs 2024
€ 254,900 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 42,002
▼ 11% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 163,500
▲ 170% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,333,425 | € 1,410,512 | € 1,504,402 | € 1,810,870 | ▲ 20% |
| Profit after taxes | € 473,376 | € 519,769 | € 579,508 | € 745,005 | ▲ 29% |
| Equity | € 402,697 | € 422,465 | € 101,973 | € 846,978 | ▲ € 745,005 |
| Total debts | € 2,569,203 | € 2,105,777 | € 2,286,808 | € 1,673,190 | ▼ 27% |
| Cash | € 1,266,117 | € 1,028,401 | € 1,044,732 | € 921,322 | ▼ 12% |
| Retained profit | € 384,105 | € 403,873 | € 83,381 | € 828,386 | ▲ € 745,005 |
| Dividend | € 800,000 | € 500,000 | € 900,000 | € 0 | ▼ 100% |
| Bank debt | € 1,676,144 | € 1,476,604 | € 1,279,247 | € 1,467,688 | ▲ 15% |
| Balance sheet total | € 2,971,900 | € 2,528,242 | € 2,388,782 | € 2,520,169 | ▲ 6% |
| Employees (FTE) | 7.6 | 8.1 | 6.9 | 7.1 | ▲ 0.2 |
Key figures of Kantoor Daenen - Smet, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Kantoor Daenen - Smet?
What happened at Kantoor Daenen - Smet in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 745,005 (▲ 29% vs 2024). filed late Source: NBB ↗
- New establishment in Sint-Niklaas. KBO
- ZAKENKANTOOR RAF DAENEN BV became a director. NBB
- Zakenkantoor Stijn Smet BV became a director. NBB
- New establishment in Temse. KBO
- New establishment in Beveren-Kruibeke-Zwijndrecht. KBO
- Start of the company according to the CBE. KBO
In short
From € 473,376 profit in 2022 to € 745,005 profit in 2025.
Paid € 788,844 in corporate taxes since 2022.
Best year ever: 2025, with € 745,005 profit.
On average € 255,100 of value added per employee in 2025.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of ZAKENKANTOOR RAF DAENEN, Zakenkantoor Stijn Smet comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Kantoor Daenen - SmetBehind Kantoor Daenen - Smet are ZAKENKANTOOR RAF DAENEN BV and Zakenkantoor Stijn Smet BV. The shares are held by ZAKENKANTOOR RAF DAENEN (50%) and Zakenkantoor Stijn Smet (50%).
Directors
According to the 2025 annual accounts
Director · represented by Raphaël Daenen
since 2020
Director · represented by Stijn Smet
Also active at: DE RYCK & SMET MAKELAARSKANTOOR
since 2020
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Watermolenstraat 35 A
9111 Sint-Niklaas
Geeraard de Cremerstraat 16
9150 Beveren-Kruibeke-Zwijndrecht
Active since 2 May 1984
Kamiel Wautersstraat 14
9140 Temse
Active since 19 January 2011
Watermolenstraat 35A
9111 Sint-Niklaas
Active since 1 July 2020
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0426.788.518
- VAT number
- BE 0426.788.518
- Registered office
- Watermolenstraat 35 A, 9111 Sint-Niklaas
- Names & denominations
- Kantoor Daenen - Smet
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 21 April 1984
- Peppol
- Active · Active since 19 Feb 2026
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen
Diverse ondersteunende activiteiten ten behoeve van voorzieningen
Ondersteunende activiteiten in verband met verzekeringen en pensioenfondsen, neg
Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen