Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 7 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
SMVL & C° from Kalmthout, company number BE0653991024, closed financial year 2025 with a result of € 38,683 after tax. For that financial year SMVL & C° recorded a gross margin of € 172,266 and equity of € 411,727. Compared with financial year 2024, the result moved from € 19,721 to € 38,683. 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 July 29, 2026.
€ 411,727
▲ 5% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 38,683
▲ 96% vs 2024
Profit after tax over the fiscal year.
€ 20,182
▼ 26% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 19,500 paid out
50 % of the profit went to the shareholders, the rest stayed in the company.
Debts at end 2025
€ 818,031
▼ 53% vs 2024
€ 98,506 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 15,274
▼ 83% vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 164,902 | € 148,816 | € 149,437 | € 172,266 | ▲ 15% |
| Profit after taxes | € 50,207 | € 13,734 | € 19,721 | € 38,683 | ▲ 96% |
| Equity | € 359,088 | € 372,823 | € 392,544 | € 411,727 | ▲ 5% |
| Total debts | € 2,704,455 | € 2,465,146 | € 2,287,243 | € 1,236,157 | ▼ 46% |
| Cash | € 14,237 | € 15,145 | € 27,398 | € 20,182 | ▼ 26% |
| Land & buildings | € 1,697,269 | € 1,670,178 | € 1,643,088 | € 1,615,997 | ▼ 2% |
| Retained profit | € 340,488 | € 354,223 | € 373,944 | € 393,127 | ▲ 5% |
| Dividend | € 0 | € 0 | € 0 | € 19,500 | |
| Bank debt | € 2,242,702 | € 1,948,109 | € 1,730,926 | € 818,031 | ▼ 53% |
| Balance sheet total | € 3,063,543 | € 2,837,969 | € 2,679,787 | € 1,647,884 | ▼ 39% |
Key figures of SMVL & C°, 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 SMVL & C°?
What happened at SMVL & C° in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 38,683 (▲ 96% vs 2024). Source: NBB ↗
- New establishment in Kalmthout. KBO
- Start of the company according to the CBE. KBO
- Franciscus Van Laerhoven became a director. NBB
- Michael Van Laerhoven became a director. NBB
In short
From € 50,207 profit in 2022 to € 38,683 profit in 2025.
Paid € 42,554 in corporate taxes since 2022.
Best year ever: 2022, with € 50,207 profit.
Paid out € 19,500 in dividends to the owners in total.
Management
Behind SMVL & C° are Franciscus Van Laerhoven and Michael Van Laerhoven. The same people are also behind VAN LAERHOVEN and JAGO CONSTRUCT. Franciscus Van Laerhoven is also behind Neon Wilderness.
Directors
According to the 2025 annual accounts
since 2016
since 2016
Establishments
Establishment units
Physical locations of this company
Galgenheiken(C) 14
2920 Kalmthout
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 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
- 0653.991.024
- VAT number
- BE 0653.991.024
- Registered office
- Galgenheiken(C) 14, 2920 Kalmthout
- Names & denominations
- SMVL & C°
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 13 May 2016
- Peppol
- Active · Active since 17 Dec 2025