ARDRTD
ActiveSummary
ARDRTD has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €657,592 and a net result of €180,957. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 33% of 16810 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability72▲+12
Solvency67▲+7
Growth52=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50,000 at 30 days acceptable
Liquidity ample (current ratio 3.11 against 1.39 in 2024; short-term debt: 6.6% and cash: 8.7% of total assets), but 57.8% of the assets are financed with debt.
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Signals
Six 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
Human health activities (NACE 86)
about 87% fewer bankruptcies
← 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
42.2%
Return on assets
11.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
20 d late
2024
28 d late
2023
57 d late
2022
31 d late
2021
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 33 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
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. Usually files around 31 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
In the rankings
#3 company by total assets in Andenne, Health and social work sector#4 company by equity in Andenne, Health and social work sector
Equity
€657,592▲ 24.9%
2024 · €526,635
Total assets
€1.6m▲ 3.6%
2024 · €1.5m
Net result
€180,957▲ 50.3%
2024 · €120,424
Working capital
€216,089▲ 268%
2024 · €58,724
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€323,431-€291,323▼ 9.9%€120,106▼ 58.8%€245,253▲ 104%€305,172▲ 24.4%
Net result€243,909above the sector's middle half-€218,807above the sector's middle half▼ 10.3%€38,495within the sector's middle half▼ 82.4%€120,424above the sector's middle half▲ 213%€180,957above the sector's middle half▲ 50.3%
Equity€248,909within the sector's middle half-€467,715above the sector's middle half▲ 87.9%€506,211above the sector's middle half▲ 8.2%€526,635above the sector's middle half▲ 4.0%€657,592above the sector's middle half▲ 24.9%
Total assets€592,977within the sector's middle half-€698,308above the sector's middle half▲ 17.8%€1.6mabove the sector's middle half▲ 126%€1.5mabove the sector's middle half▼ 4.7%€1.6mabove the sector's middle half▲ 3.6%
Debt€344,069-€230,593▼ 33.0%€1.1m▲ 366%€979,298▼ 8.9%€901,974▼ 7.9%
Working capital-€96,604below the sector's middle half-€159,106within the sector's middle half€159,666within the sector's middle half▲ 0.4%€58,724within the sector's middle half▼ 63.2%€216,089within the sector's middle half▲ 268%
Solvency42.0%within the sector's middle half-67.0%within the sector's middle half▲ 25.0pp32.0%below the sector's middle half▼ 35.0pp35.0%below the sector's middle half▲ 3.0pp42.2%within the sector's middle half▲ 7.2pp
Current ratio0.60below the sector's middle half-2.04within the sector's middle half▲ 1.441.72within the sector's middle half▼ 0.321.39below the sector's middle half▼ 0.333.11within the sector's middle half▲ 1.72
Return on assets (ROA)41.1%above the sector's middle half-31.3%above the sector's middle half▼ 9.8pp2.4%below the sector's middle half▼ 28.9pp8.0%below the sector's middle half▲ 5.6pp11.6%within the sector's middle half▲ 3.6pp
Staff (FTE)1
above
within
below
the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 24% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.6m
Fixed assets
€1.2m ▼ 4.2%
Current assets
€318,562 ▲ 51.5%
Equity and liabilities €1.6m
Equity
€657,592 ▲ 24.9%
Debt
€901,974 ▼ 7.9%
Debt's share of the balance-sheet total falls from 65.0% to 57.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€419,102▲
2024 · €350,503
Cash flow
€294,887▲
2024 · €225,673
Debt to equity
1.37▼
2024 · 1.86
ROE
27.5%▲
2024 · 22.9%
Interest coverage
4.63▲
2024 · 3.76
Debt ≤ 1 year
€102,473▼
2024 · €151,489
Debt > 1 year
€750,464▼
2024 · €827,809
Income taxes
€33,741▲
2024 · €31,750
Staff costs
€116▼
2024 · €1,513
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,781 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 97% are still going.
- Small
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
2.7%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,781 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €1,513 | €116 | ▼ 92.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €57,961 | €61,683 | €64,803 | €105,249 | €113,930 | ▲ 8.2% |
| Other operating charges640/8 | €3,058 | €446 | €7,735 | €1,473 | €4,175 | ▲ 183% |
| Gross operating margin9900 | €384,450 | €353,452 | €192,643 | €353,488 | €423,393 | ▲ 19.8% |
| Operating profit (loss)9901 | €323,431 | €291,323 | €120,106 | €245,253 | €305,172 | ▲ 24.4% |
| Financial income75/76B | €0 | - | - | €76 | - | - |
| Recurring financial income75 | €0 | - | - | €76 | - | - |
| Financial charges65/66B | €1,523 | €1,667 | €67,558 | €93,155 | €90,474 | ▼ 2.9% |
| Recurring financial charges65 | €1,523 | €1,667 | €67,558 | €93,155 | €90,474 | ▼ 2.9% |
| Profit (loss) for the period before taxes9903 | €321,909 | €289,655 | €52,547 | €152,174 | €214,698 | ▲ 41.1% |
| Income taxes67/77 | €78,000 | €70,849 | €14,052 | €31,750 | €33,741 | ▲ 6.3% |
| Profit (loss) for the period9904 | €243,909 | €218,807 | €38,495 | €120,424 | €180,957 | ▲ 50.3% |
| Profit (loss) for the period to be appropriated9905 | €243,909 | €218,807 | €38,495 | €120,424 | €180,957 | ▲ 50.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €592,977 | €698,308 | €1.6m | €1.5m | €1.6m | ▲ 3.6% |
| Fixed assets21/28 | €448,377 | €386,694 | €1.2m | €1.3m | €1.2m | ▼ 4.2% |
| Intangible fixed assets21 | €402,904 | €357,904 | €312,904 | €267,904 | €222,904 | ▼ 16.8% |
| Tangible fixed assets22/27 | €45,473 | €28,790 | €886,908 | €1.0m | €1.0m | ▼ 0.9% |
| Land and buildings22 | - | - | €798,356 | €774,356 | €755,010 | ▼ 2.5% |
| Plant, machinery and equipment23 | €8,019 | €6,843 | €80,582 | €209,889 | €187,167 | ▼ 10.8% |
| Furniture and vehicles24 | €37,455 | €21,948 | €7,970 | €43,570 | €75,922 | ▲ 74.3% |
| Current assets29/58 | €144,600 | €311,614 | €381,125 | €210,214 | €318,562 | ▲ 51.5% |
| Amounts receivable within one year40/41 | €133,432 | €129,524 | €327,137 | €169,344 | €176,318 | ▲ 4.1% |
| Trade receivables40 | €133,432 | €129,524 | €118,117 | €129,869 | €176,024 | ▲ 35.5% |
| Other amounts receivable41 | - | - | €209,020 | €39,475 | €294 | ▼ 99.3% |
| Cash at bank and in hand54/58 | €10,576 | €182,004 | €51,655 | €37,442 | €135,305 | ▲ 261% |
| Deferred charges and accrued income490/1 | €591 | €86 | €2,333 | €3,428 | €6,939 | ▲ 102% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €592,977 | €698,308 | €1.6m | €1.5m | €1.6m | ▲ 3.6% |
| Equity10/15 | €248,909 | €467,715 | €506,211 | €526,635 | €657,592 | ▲ 24.9% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €243,909 | €462,715 | €501,211 | €521,635 | €652,592 | ▲ 25.1% |
| Distributable reserves133 | €243,909 | €462,715 | €501,211 | €521,635 | €652,592 | ▲ 25.1% |
| Amounts payable17/49 | €344,069 | €230,593 | €1.1m | €979,298 | €901,974 | ▼ 7.9% |
| Amounts payable after more than one year17 | €102,715 | €78,085 | €853,118 | €827,809 | €750,464 | ▼ 9.3% |
| Financial debts170/4 | €102,715 | €78,085 | €853,118 | €827,809 | €750,464 | ▼ 9.3% |
| Amounts payable within one year42/48 | €241,204 | €152,508 | €221,459 | €151,489 | €102,473 | ▼ 32.4% |
| Current portion of amounts payable after more than one year42 | - | - | €11,425 | - | €55,249 | - |
| Trade debts44 | €176 | - | - | €1,984 | €5,268 | ▲ 166% |
| Suppliers440/4 | €176 | - | - | €1,984 | €5,268 | ▲ 166% |
| Taxes, remuneration and social security45 | €95,400 | €26,000 | €2,540 | €297 | €5,580 | ▲ 1,780% |
| Taxes450/3 | €78,000 | €26,000 | - | €280 | €5,580 | ▲ 1,890% |
| Remuneration and social security454/9 | €17,400 | - | €2,540 | €16 | - | - |
| Other amounts payable47/48 | €145,628 | €126,508 | €207,494 | €149,209 | €36,375 | ▼ 75.6% |
| Accrued charges and deferred income492/3 | €150 | - | €150 | - | €49,036 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €243,909 | €218,807 | €38,495 | €120,424 | €180,957 | ▲ 50.3% |
| + Depreciation and write-downs630 | €57,961 | €61,683 | €64,803 | €105,249 | €113,930 | ▲ 8.2% |
| Operating cash flow (approximation) | €301,870 | €280,490 | €103,298 | €225,673 | €294,887 | ▲ 30.7% |
| Investment in fixed assets (approximation) | - | €0 | -€877,921 | -€201,157 | -€59,213 | ▲ 70.6% |
| Change in cash | - | €171,428 | -€130,350 | -€14,213 | €97,863 | ▲ 789% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 3.11
Current ratio from 1.39 to 3.11; short-term debt falls from €151,489 to €102,473.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
31-12
Financial
Weakest financial yearnet €38,495 ▼82.4%
Net result drops to €38,495, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500,000Eq €506,211 ▲8.2%
3 profitable years in a row build equity to €506,211.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 2.04
Current ratio from 0.60 to 2.04; short-term debt falls from €241,204 to €152,508.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
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.
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Directors · office · real estate
Directors
1 act for this company is 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, Andenne · 2 establishment units since 2020
Ground area
4,171 m²
Building footprint
331 m²
2 parcels, Wallonia. Linked by address, not a title deed.
7
companies at this address
See who is registered here
2 establishment units
ARDRTD
since 20202.313.340.825
Rue du Puits Saint Martin 51, 5330 Assesse
since 20242.365.209.101
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92006D0243/00A000 | Wallonia | 2,367 m² | 1 · 245 m² | - |
| 92130A0368/00P000 | Wallonia | 1,803 m² | 1 · 87 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
254900V5I98YBD15CU19
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BE 0672.503.968
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CABINET MEDICAL D'EXPERTISE LECLERCQ
BE 0821.727.679
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Dr. Geert Vanhooren
BE 0828.322.788
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Of 16,627 companies in sector 86220 we hold annual accounts for 7,988. 6,217 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded17-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
55203Holiday cottages, homes and apartments
68201Renting and operating of own or leased residential real estate, excluding social housing
E-invoicing
Reachable via Peppol
Peppol ID
0208:0759918685
Also
9925:BE0759918685
Registered
29-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.