Checked.be
Active
BE 0807.688.712Private limited company
ANNIE DESCHOEMACKER
Moefe 24 ·8301 Knokke-Heist, Belgium· 17 yrs active
Sector: Nursing and midwifery
(86940)
Conclusion
ANNIE DESCHOEMACKER has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €367k and a net result of €107k. Equity is growing by ~22.9% per year across the filed fiscal years. Its solvency ranks better than 60% of 2244 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €367k |
| Net result | €107k |
| Staff (FTE) | 1.5 |
| Better than sector | 60% |
Financial profile
96
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
100
Profitability
100
Solvency
100
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2008, 17 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
100
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€35k
estimate, not credit advice
Score history
93
2021
100
2022
100
2023
93
2024
100
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 3.12 (≥ 1.5)
+10
Quick ratio
Quick ratio 3.12 (≥ 1.0)
+5
Leverage
Debt/equity 0.40 (< 1.0)
+10
Profitability
ROE 29% (≥ 10%)
+10
Interest coverage
Interest coverage 1224.3× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 26-08-2026 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~22.9%/year over 5 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 86, Human health activities · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 71.5% | 59.8% | |
| Net result | €107k | €121k | |
| Equity | €367k | €395k | |
| Gross operating margin | €312k | €301k | |
| Staff costs | €142k | €111k |
€168k
+44.9%
21-25
€107k
+51.9%
21-25
€121k
+49.5%
21-25
€513k
+22.1%
21-25
€367k
+11.0%
21-25
€310k
+15.0%
21-25
2
0.0%
21-25
€142k
+6.9%
21-25
€52k
+47.6%
21-25
€71k
-
21-25
€146k
+62.9%
21-25
€146k
+62.9%
21-25
€4k
-35.9%
21-25
3.12
-22.0%
21-25
3.12
-22.0%
21-25
71.5%
-9.1%
21-25
0.40
+46.8%
21-25
29.3%
+36.9%
21-25
20.9%
+24.4%
21-25
1224.32
+107.1%
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema |
| Revenue | - | - | - | - | - |
| EBITDA | €168k | €116k | €142k | €57k | €54k |
| Net profit | €107k | €71k | €92k | €32k | €26k |
| Cash flow | €121k | €81k | €104k | €44k | €38k |
| Staff costs | €142k | €133k | €131k | €171k | €226k |
| Income taxes | €52k | €35k | €38k | €13k | €16k |
| Dividends | €71k | - | - | - | - |
| Total assets | €513k | €420k | €362k | €249k | €261k |
| Equity | €367k | €330k | €260k | €172k | €145k |
| Debt | €146k | €90k | €102k | €76k | €116k |
| of which ≤ 1y | €146k | €90k | €98k | €69k | €85k |
| of which > 1y | - | - | €4k | €7k | €31k |
| Working capital | €310k | €269k | €225k | €133k | €118k |
| Employees (FTE) | 1.5 | 1.5 | 1.8 | 2.5 | 3.3 |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 3.12 | 4.00 | 3.30 | 2.92 | 2.39 |
| Quick ratio | 3.12 | 4.00 | 3.30 | 2.92 | 2.39 |
| Working capital ratio | 60.4% | 64.1% | 62.1% | 53.5% | 45.1% |
| Solvency | 71.5% | 78.6% | 71.8% | 69.4% | 55.6% |
| Debt / equity | 0.40 | 0.27 | 0.39 | 0.44 | 0.80 |
| Long-term debt ratio | - | - | 0.02 | 0.04 | 0.21 |
| Interest coverage | 1224.32 | 591.15 | 843.24 | 167.84 | 234.34 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 20.9% | 16.8% | 25.5% | 13.0% | 9.8% |
| ROE | 29.3% | 21.4% | 35.5% | 18.7% | 17.6% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €513k | €420k | €362k | €249k | €261k |
| Fixed assets | 21/28 | €57k | €61k | €40k | €47k | €59k |
| Tangible fixed assets | 22/27 | €57k | €61k | €39k | €46k | €58k |
| Financial fixed assets | 28 | €250 | €250 | €250 | €250 | €250 |
| Current assets | 29/58 | €456k | €359k | €322k | €202k | €202k |
| Amounts receivable within one year | 40/41 | €2k | €1k | €2k | €4k | €4k |
| Investments | 50/53 | - | €100k | - | - | - |
| Cash & bank | 54/58 | €404k | €202k | €264k | €154k | €159k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €513k | €420k | €362k | €249k | €261k |
| Equity | 10/15 | €367k | €330k | €260k | €172k | €145k |
| Contributions / capital | 10/11 | €12k | €12k | €12k | €12k | €12k |
| Reserves | 13 | €354k | €318k | €247k | €160k | €133k |
| Amounts payable | 17/49 | €146k | €90k | €102k | €76k | €116k |
| Amounts payable after one year | 17 | - | - | €4k | €7k | €31k |
| Amounts payable within one year | 42/48 | €146k | €90k | €98k | €69k | €85k |
| Trade debts payable within one year | 44 | €23k | €40k | €35k | €25k | €16k |
| Income statement | ||||||
| Gross operating margin | 9900 | €312k | €251k | €275k | €231k | €286k |
| Operating result | 9901 | €155k | €106k | €130k | €45k | €41k |
| Financial income | 75 | €4k | €20 | €318 | €104 | €4 |
| Financial charges | 65 | €138 | €197 | €168 | €342 | €232 |
| Result before taxes | 9903 | €160k | €106k | €131k | €45k | €41k |
| Income taxes | 67/77 | €52k | €35k | €38k | €13k | €16k |
| Net result for the period | 9904 | €107k | €71k | €92k | €32k | €26k |
| Result to be appropriated | 9905 | €107k | €71k | €92k | €32k | €26k |
Directors & mandates
Current directors & mandates
-
DESCHOEMACKER Annie Madeleine YvonneDirectorState Gazette act 22382369 (15-12-2022)Current15-12-2022 → present
Legal Structure
| NACE primary | Nursing and midwifery(86940) |
| Legal form | Private limited company(610) |
| Incorporation | 07-11-2008 |
| Status | Active |
| Postal code | 8301 |
Establishment units
Moefe 24, 8301 Knokke-Heist
since 20092.176.105.918
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31336H0445/00B000 | Flanders | 266 m² | 1 · 266 m² | 17.5 m · 5 fl. |
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
Next filing, fiscal year 2026, expected by
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
31-12
Financial
Highest result since 2021net €107k ▲51.9%
Operating result €155k, net result €107k, both a record.
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 14 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
2023
31-12
Financial
Equity above €200kEq €260k ▲50.6%
3 profitable years in a row build equity to €260k.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €150kEq €172k ▲18.7%
2 profitable years in a row build equity to €172k.
15-12
State Gazette act
Director changes
v3.2
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
02-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
14-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Belgisch Staatsblad, acts
All acts · 1
updated 3 years ago
2022
15-12-2022 DESCHOEMACKER Annie Madeleine Yvonne appointed as director
- DESCHOEMACKER Annie Madeleine Yvonne, Bestuurder
Summary:
v3.2
Technical details
{
"events": [
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "DESCHOEMACKER Annie Madeleine Yvonne",
"address": null,
"birth_date": null
}
}
],
"schema": "v3.2",
"act_meta": {
"extractor": "qwen3-30b-a3b"
},
"subject_company": {
"kbo": "0807.688.712",
"name_full": "Annie Deschoemacker"
}
}Credit advice
Company registry (CBE)
Activities
Human health activities86906Nursing and midwifery86940
Names & trade names
| Legal nameNL | ANNIE DESCHOEMACKER |
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