Belkhour
ActiveBelkhour has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €196k. Equity is shrinking by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 29% of 16511 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency60▲+14
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.43 against 1.13 in 2024; short-term debt: 65.4% and cash: 87.1% of total assets), and 65.4% of the assets are financed with debt.
Credit advice for your own amount and term
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
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
34.6%
Return on assets
363%
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 01-06-2026, 60 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
60 d early
2024
59 d early
2023
55 d early
2022
62 d early
2021
51 d early
2020
39 d early
2019
42 d early
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▼ 13.5%
2024 · €22k
2019: €52k
2020: €98k
2021: €236k
2022: €21k
2023: €21k
2024: €22k
2019 → 2025
Total assets
€54k▼ 46.9%
2024 · €102k
2019: €59k
2020: €103k
2021: €240k
2022: €208k
2023: €208k
2024: €102k
2019 → 2025
Net result
€196k▲ 4.2%
2024 · €188k
2019: €40k
2020: €46k
2021: €138k
2022: €178k
2023: €180k
2024: €188k
2019 → 2025
Working capital
€15k▲ 43.0%
2024 · €11k
2019: €36k
2020: €83k
2021: €221k
2022: €15k
2023: €18k
2024: €11k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€236k-€21k▼ 91.0%€21k▲ 1.3%€22k▲ 1.1%€19k▼ 13.5%
Operating result€186k-€239k▲ 28.8%€242k▲ 0.9%€252k▲ 4.3%€260k▲ 3.2%
Net result€138k-€178k▲ 29.6%€180k▲ 1.1%€188k▲ 4.4%€196k▲ 4.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €54k
Fixed assets
€3k▼ 70.3%
Current assets
€51k▼ 44.0%
Equity and liabilities €54k
Equity
€19k▼ 13.5%
Debt
€35k▼ 56.0%
The debt ratio falls from 78.8% to 65.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€264k▲
2024 · €255k
Cash flow
€200k▲
2024 · €192k
Solvency
34.6%▲
2024 · 21.2%
Current ratio
1.43▲
2024 · 1.13
Quick ratio
1.43▲
2024 · 1.13
Debt / equity
1.89▼
2024 · 3.71
ROA
363.0%▲
2024 · 184.9%
Interest coverage
748.17▲
2024 · 625.46
Debt
€35k▼
2024 · €80k
Debt ≤ 1 year
€35k▼
2024 · €80k
Income taxes
€64k▲
2024 · €63k
Staff costs
€9k▼
2024 · €15k
A ratio outside any meaningful range has been withheld (balance sheet total €54k, equity €19k).
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€102k€54k▼
Fixed assets21/28€11k€3k▼
Tangible fixed assets22/27€11k€3k▼
Plant, machinery and equipment23€9k€2k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€91k€51k▼
Amounts receivable within one year40/41€738€638▼
Trade receivables40€100-
Other amounts receivable41€638€638=
Cash at bank and in hand54/58€82k€47k▼
Deferred charges and accrued income490/1€8k€3k▼
Equity and liabilities
Total equity and liabilities10/49€102k€54k▼
Equity10/15€22k€19k▼
Contributions10/11€19k€19k=
Reserves13€3k€108▼
Distributable reserves133€3k€108▼
Amounts payable17/49€80k€35k▼
Amounts payable within one year42/48€80k€35k▼
Trade debts44€7k€317▼
Suppliers440/4€7k€317▼
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€1k€4k▲
Remuneration and social security454/9€4k€2k▼
Other amounts payable47/48€68k€29k▼
Accrued charges and deferred income492/3€397-
Income statement
Code20242025
Non-recurring operating income76A-€13k
Remuneration, social security and pensions62€15k€9k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€1k€579▼
Non-recurring operating charges66A€100€5k▲
Gross operating margin9900€272k€279k▲
Operating profit (loss)9901€252k€260k▲
Financial charges65/66B€408€353▼
Recurring financial charges65€408€353▼
Profit (loss) for the period before taxes9903€252k€260k▲
Income taxes67/77€63k€64k▲
Profit (loss) for the period9904€188k€196k▲
Profit (loss) for the period to be appropriated9905€188k€196k▲
Appropriation of the result
Profit (loss) to be appropriated9906€188k€196k▲
Transfer from equity791/2-€3k
Transfer to equity691/2€234-
To other reserves6921€234-
Profit to be distributed694/7€188k€199k▲
Return on contributions (dividend)694€188k€199k▲
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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €196k ▲4.2%
Operating result €260k, net result €196k, both a record.
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 65.11
Current ratio from 21.06 to 65.11; short-term debt falls from €4k to €3k.
31-12
Financial
Equity above €200kEq €236k ▲140%
3 profitable years in a row build equity to €236k.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 21.06
Current ratio from 6.55 to 21.06; short-term debt falls from €7k to €4k.
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
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, Hasselt · 1 establishment unit since 2018
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.
Penneveldstraat 13500 HasseltGround area
988 m²
Building footprint
349 m²
Volume, LiDAR
1,402 m³
Parcel 71052B0143/00X002, Flanders · tallest building 8.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Belkhour
since 20182.282.836.602
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71052B0143/00X002 | Flanders | 988 m² | 1 · 349 m² | 8.4 m · 1 fl. |
Linked by address, not proof of ownership
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.
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DOCTEUR ELISE POZZA, OPHTALMOLOGUE
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Of 16,628 companies in sector 86220 we hold annual accounts for 7,973. 3,057 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-11-2018
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.