Ann Debackere
ActiveSummary
Ann Debackere has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €188k and a net result of €80k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 52% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency90▲+23
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.83 against 1.71 in 2024; short-term debt: 35.1% and cash: 30.5% of total assets), and 35.1% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
64.9%
Return on assets
27.7%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
31 d early
2024
99 d late
2023
96 d late
2022
92 d late
2021
82 d late
2020
87 d late
2019
122 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€188k▲ 74.2%
2024 · €108k
2019: €115k
2020: €170k
2021: €248k
2022: €298k
2023: €188k
2024: €108k
2019 → 2025
Total assets
€290k▲ 12.9%
2024 · €257k
2019: €144k
2020: €202k
2021: €266k
2022: €325k
2023: €202k
2024: €257k
2019 → 2025
Net result
€80k▼ 10.4%
2024 · €90k
2019: €102k
2020: €55k
2021: €72k
2022: €79k
2023: €55k
2024: €90k
2019 → 2025
Working capital
€186k▲ 76.8%
2024 · €105k
2019: €112k
2020: €169k
2021: €247k
2022: €298k
2023: €185k
2024: €105k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€248k-€298k▲ 20.2%€188k▼ 36.8%€108k▼ 42.5%€188k▲ 74.2%
Operating result€89k-€98k▲ 10.1%€70k▼ 28.4%€113k▲ 60.3%€102k▼ 9.8%
Net result€72k-€79k▲ 10.9%€55k▼ 30.3%€90k▲ 61.8%€80k▼ 10.4%
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 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €290k
Fixed assets
€2k ▼ 23.4%
Current assets
€288k ▲ 13.3%
Equity and liabilities €290k
Equity
€188k ▲ 74.2%
Debt
€102k ▼ 31.6%
Debt's share of the balance-sheet total falls from 57.9% to 35.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€102k▼
2024 · €114k
Cash flow
€81k▼
2024 · €90k
Current ratio
2.83▲
2024 · 1.71
Debt to equity
0.54▼
2024 · 1.38
ROE
42.6%▼
2024 · 82.8%
ROA
27.7%▼
2024 · 34.9%
Interest coverage
640.76▼
2024 · 1546.48
Debt ≤ 1 year
€102k▼
2024 · €149k
Income taxes
€22k▼
2024 · €24k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€257k€290k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€3k€2k▼
Current assets29/58€254k€288k▲
Amounts receivable after more than one year29€28k€28k=
Other amounts receivable291€28k€28k=
Amounts receivable within one year40/41€82k€78k▼
Trade receivables40€45k€55k▲
Other amounts receivable41€37k€22k▼
Current investments50/53-€94k
Cash at bank and in hand54/58€145k€88k▼
Equity and liabilities
Total equity and liabilities10/49€257k€290k▲
Equity10/15€108k€188k▲
Contributions10/11€19k€19k=
Reserves13€90k€170k▲
Distributable reserves133€90k€170k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€149k€102k▼
Amounts payable within one year42/48€149k€102k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€8k€9k▲
Taxes450/3€8k€9k▲
Other amounts payable47/48€139k€91k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€864€648▼
Other operating charges640/8€743€815▲
Gross operating margin9900€114k€103k▼
Operating profit (loss)9901€113k€102k▼
Financial income75/76B€1k€885▼
Recurring financial income75€1k€885▼
Financial charges65/66B€74€160▲
Recurring financial charges65€74€160▲
Profit (loss) for the period before taxes9903€114k€102k▼
Income taxes67/77€24k€22k▼
Profit (loss) for the period9904€90k€80k▼
Profit (loss) for the period to be appropriated9905€90k€80k▼
Appropriation of the result
Profit (loss) to be appropriated9906€90k€80k▼
Transfer from equity791/2€170k€0▼
Transfer to equity691/2€90k€80k▼
To other reserves6921€90k€80k▼
Profit to be distributed694/7€170k€0▼
Return on contributions (dividend)694€170k€0▼
The notes to these accounts (7 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €188k ▲74.2%
7 profitable years in a row build equity to €188k.
07-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 99 days late
2024
04-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 96 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
21-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 82 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 14.74
Current ratio from 6.30 to 14.74; short-term debt falls from €32k to €18k.
31-12
Financial
Equity above €200kEq €248k ▲45.8%
3 profitable years in a row build equity to €248k.
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 87 days late
2020
31-12
Financial
Weakest financial yearnet €55k ▼46.2%
Net result drops to €55k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €170k ▲48%
2 profitable years in a row build equity to €170k.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Wingene · 1 establishment unit since 2019
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.
Zandvleugestraat 58755 WingeneGround area
4,941 m²
Building footprint
124 m²
Volume, LiDAR
659 m³
2 parcels, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ann Debackere
since 20192.285.254.771
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37012B0130/00B000 | Flanders | 3,641 m² | 1 · 124 m² | 7.2 m · 2 fl. |
| 37012B0595/00G000 | Flanders | 1,300 m² | - | - |
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.
Similar companies · same sector, comparable size
LPQ
BE 1012.928.537
Kortemark · Eq €188,499
C-MEDI-T
BE 0823.907.904
Wavre · Eq €188,337
DR. GREET ARRAS
BE 0833.022.241
Herselt · Eq €188,573
Dokter Dijckmans
BE 0794.404.759
Keerbergen · Eq €188,576
Maison de Santé Rive
BE 0765.226.862
Evere · Eq €188,578
Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 5,416 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
Founded07-02-2019
Fiscal year end31-12
Activities, NACEBEL 2025
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.