Financials
Financial year 2025
Zakenkantoor Smet from Beveren-Kruibeke-Zwijndrecht, company number BE0443201413, closed financial year 2025 with a result of € 67,218 after tax. For that financial year Zakenkantoor Smet recorded a gross margin of € 317,924 and equity of € 528,729. Compared with financial year 2024, the result moved from € 47,901 to € 67,218. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 12, 2026.
€ 528,729
▲ 15% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 67,218
▲ 40% vs 2024
Profit after tax over the fiscal year.
€ 73,674
▲ 82% 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 € 464,979.
People and assets in 2025
2.1
▲ 0.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 103,662
▼ 2% vs 2024
€ 49,400 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.
€ 37,144
▼ 34% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 233,133
▼ 36% vs 2024
€ 55,419 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 4,961
▲ 90% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 13,000
▼ 43% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 93,014 | € 142,105 | € 295,504 | € 317,924 | ▲ 8% |
| Profit after taxes | € 32,534 | € 10,163 | € 47,901 | € 67,218 | ▲ 40% |
| Equity | € 403,447 | € 413,610 | € 461,511 | € 528,729 | ▲ 15% |
| Total debts | € 21,301 | € 449,973 | € 399,217 | € 265,521 | ▼ 33% |
| Cash | € 75,351 | € 63,375 | € 40,515 | € 73,674 | ▲ 82% |
| Retained profit | € 339,697 | € 349,860 | € 397,761 | € 464,979 | ▲ 17% |
| Bank debt | € 0 | € 413,548 | € 361,724 | € 233,133 | ▼ 36% |
| Balance sheet total | € 424,748 | € 863,583 | € 860,728 | € 794,249 | ▼ 8% |
| Employees (FTE) | 0.8 | 1.2 | 2 | 2.1 | ▲ 0.1 |
Key figures of Zakenkantoor 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 Zakenkantoor Smet?
What happened at Zakenkantoor Smet in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- SMET INVEST BV stepped down as director. NBB
- Elvira Rita Walter CLAES stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 67,218 (▲ 40% vs 2024). Source: NBB ↗
- SMET INVEST BV became a director. NBB
- Elvira Rita Walter CLAES became a director. NBB
- New establishment in Beveren-Kruibeke-Zwijndrecht. KBO
- Start of the company according to the CBE. KBO
In short
From € 32,534 profit in 2022 to € 67,218 profit in 2025.
Paid € 47,549 in corporate taxes since 2022.
Best year ever: 2025, with € 67,218 profit.
On average € 151,400 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 Smet Invest comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Zakenkantoor SmetThe shares are held by Smet Invest (44%).
Directors
According to the 2025 annual accounts
Managing director · represented by Koen SMET
since 2023 · until 2029
Elvira Rita Walter CLAES
Managing director
since 2023 · until 2029
Shareholders
44%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Pastoor Verwilghenplein(HSD) 34A
9120 Beveren-Kruibeke-Zwijndrecht
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0443.201.413
- VAT number
- BE 0443.201.413
- Registered office
- Pastoor Verwilghenplein(HSD) 34A, 9120 Beveren-Kruibeke-Zwijndrecht
- Names & denominations
- Zakenkantoor Smet
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 6 February 1991
- Peppol
- Active · Active since 4 Nov 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten