Equity
€20,460 from €94,810 in 2022
Equity fell by 78% in 3 years.
be21health
Lifetime
8 annual accounts with figures on one time axispeak €68,106 (2024)
€45,065▼ 33.8%
peak €53,015 (2024)
€12,535▼ 76.4%
peak €94,810 (2022)
€20,460unchanged
€56,083▼ 41.8%
Board1 name since 2018
1 directorGUTERMUTH Jan
Documentsfilings and deeds
12-10-202673 days late
2025micro format
Gross margin from €68,106 to €45,065Result from €53,015 to €12,535Dividend €12,535Debts from €96,437 to €56,083Cash from €16,606 to €37,646
Key points
from the 2025 annual accountsChecked score
92
Excellent
Financially stronger than 38% of micro companies in human health (NACE 86)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 24,185 companies (NACE 86, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: < 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026lowest value
03-2026: 0.1%▲ +0.1 percentage points vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026highest value
10-2026: 0.1%▼ -0.1 percentage points vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 73 days late; 1 of the last 3 accounts late
lowers risk
Sector: Human health activities (NACE 86)
Liquidity: current ratio 1.58, cash €37,646
Size: total assets €76,543
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 86, micro). It does better than 24% of them on solvency, 49% on liquidity, 43% on profitability and 37% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,713 companies had the same profile as be21health has now. Each dot stands for 17 companies, two years later.
95.8%
were still trading
2.2%
stopped another way
1.8%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of be21health itself is lower: 0.1% within 12 months. It rests on far more data about be21health than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,713 companies, not a prediction for be21health. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.58 (1.4 in 2024), above the usual 1.5. Short-term debt is 59.9% and cash 49.2% of total assets. However, 73.3% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 20764 sector peers (2025).
NBB · sector comparisonPosition among 20764 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-10-2026, 73 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 8 filingsDeviation from the deadline
2025
73 days late
2024
1 day early
2023
on the day
2022
3 days early
2021
31 days late
2020
59 days late
2019
118 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 40 days after the deadline. In the sector (NACE 86), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0699855889
Resignation: GUTERMUTH Jan (manager)
Reappointment: GUTERMUTH Jan (director) · Director discharge: GUTERMUTH Jan · General meeting of 28-11-2023 · Gazette deed
Incorporation
published on 16-07-2018 · Gazette deed
First establishment
Portugeesstraat 16, Affligem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| be21health Affligem | €76,543 | €45,065 | 26.7% | - |
| Dokter Floor Messeyne Huisarts Heist-op-den-Berg | €79,204 | €43,616 | 23.5% | - |
| Dokter Laura De Souter Stabroek | €72,195 | €48,314 | 1.4% | - |
| MEDYM Affligem | €98,898 | €48,465 | 68.4% | - |
| Curans Leuven | €62,060 | €44,135 | 0.2% | - |
| Dr. Neyens AE, huisarts Leuven | €64,451 | €52,322 | 7.8% | - |
| Dr. Diego Schrans - Huisarts Destelbergen | €90,719 | €46,742 | 22.7% | - |
These companies have the same main activity as be21health: general medical practice (NACE 86210). They are comparable in size and age: total assets between €62,100 and €98,900, founded between 2018 and 2020.
Official details
Source: KBO- Status
- Active since 12-07-2018Normal situation
- Activity
- General medical practiceNACE 86210and 3 others
- Joint committee
- 330.04Health institutions and services · annual accounts 2023
- Establishment unit
- 2.340.773.8111790 Affligem, since 12-07-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 17-07-2026
Insights on be21health
be21health files the micro format. That format states no turnover. The gross margin rose from €15,062 in 2018 to €45,065 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about be21health
- What is the company number of be21health?
- The company number of be21health is 0699.855.889. The VAT number is the same number with BE in front: BE 0699.855.889.
- Where is be21health based?
- The registered office is at Portugeesstraat 16, 1790 Affligem.Company details
- What does be21health do?
- According to the KBO register, the main activity is general medical practice (NACE 86210).
- What is the legal form of be21health?
- be21health is a private limited company (BV).
- When was be21health founded?
- be21health was founded on 12-07-2018.
- Is be21health still active?
- Yes, be21health is an active enterprise in the KBO register.
- How many employees does be21health have?
- be21health had an average of 0.9 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
- Which joint committee does be21health fall under?
- In its 2023 annual accounts, be21health states joint committee 330.04 (Health institutions and services).
- What is the turnover of be21health?
- The turnover in financial year 2025 is ≈ €140,000. This figure is estimated from the gross margin of €45,065 and 47 comparable companies (NACE 86). It probably lies between €100,000 and €200,000.
- Is be21health profitable?
- In financial year 2025, be21health made a profit of €12,535.
- Where can I find the annual accounts of be21health?
- be21health filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of be21health due?
- be21health must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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