CABINET TSEMO
ActiveSummary
CABINET TSEMO has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €101k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+4
Solvency26▼-44
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
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
0.9%
Return on assets
30.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 16546 sector peers (2025).
NBB · sector comparisonPosition among 16546 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
57 d late
2023
331 d late
2022
28 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
€3k▼ 98.6%
2024 · €211k
2022: €49k
2023: €109k
2024: €211k
2022 → 2025
Total assets
€328k▼ 30.2%
2024 · €470k
2022: €297k
2023: €351k
2024: €470k
2022 → 2025
Net result
€101k▼ 1.3%
2024 · €102k
2022: €46k
2023: €60k
2024: €102k
2022 → 2025
Working capital
€22k▼ 89.9%
2024 · €222k
2022: €22k
2023: €116k
2024: €222k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€49k-€109k▲ 122%€211k▲ 93.9%€3k▼ 98.6%
Operating result€63k-€64k▲ 1.8%€127k▲ 96.8%€129k▲ 2.0%
Net result€46k-€60k▲ 29.7%€102k▲ 71.0%€101k▼ 1.3%
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 three years in a row; 2025 is 2% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €328k
Fixed assets
€171k ▼ 10.4%
Current assets
€157k ▼ 43.8%
Equity and liabilities €328k
Equity
€3k ▼ 98.6%
Debt
€325k ▲ 25.5%
Debt's share of the balance-sheet total rises from 55.1% to 99.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€138k▼
2024 · €141k
Cash flow
€109k▼
2024 · €116k
Current ratio
1.17▼
2024 · 4.87
ROA
30.8%▲
2024 · 21.8%
Interest coverage
27.25▲
2024 · 24.65
Debt ≤ 1 year
€134k▲
2024 · €57k
Debt > 1 year
€190k▼
2024 · €201k
Income taxes
€38k▲
2024 · €30k
Staff costs
€23k▲
2024 · €15k
A ratio outside any meaningful range has been withheld (balance sheet total €328k, equity €3k).
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€470k€328k▼
Fixed assets21/28€191k€171k▼
Tangible fixed assets22/27€191k€171k▼
Land and buildings22€173k€167k▼
Plant, machinery and equipment23-€681
Furniture and vehicles24€18k€3k▼
Current assets29/58€279k€157k▼
Amounts receivable within one year40/41€220k€132k▼
Other amounts receivable41€220k€132k▼
Cash at bank and in hand54/58€53k€16k▼
Deferred charges and accrued income490/1€6k€9k▲
Equity and liabilities
Total equity and liabilities10/49€470k€328k▼
Equity10/15€211k€3k▼
Contributions10/11€3k€3k=
Reserves13€208k-
Distributable reserves133€208k-
Amounts payable17/49€259k€325k▲
Amounts payable after more than one year17€201k€190k▼
Financial debts170/4€201k€190k▼
Amounts payable within one year42/48€57k€134k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€168€48▼
Suppliers440/4€168€48▼
Taxes, remuneration and social security45€46k€22k▼
Taxes450/3€45k€21k▼
Remuneration and social security454/9€1k€2k▲
Other amounts payable47/48-€101k
Income statement
Code20242025
Non-recurring operating income76A-€6k
Remuneration, social security and pensions62€15k€23k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€8k▼
Other operating charges640/8€2k€10k▲
Gross operating margin9900€158k€171k▲
Operating profit (loss)9901€127k€129k▲
Financial income75/76B€11k€15k▲
Recurring financial income75€11k€15k▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€132k€139k▲
Income taxes67/77€30k€38k▲
Profit (loss) for the period9904€102k€101k▼
Profit (loss) for the period to be appropriated9905€102k€101k▼
Appropriation of the result
Profit (loss) to be appropriated9906€208k€101k▼
Profit (loss) brought forward from the previous period14P€106k-
Transfer from equity791/2-€208k
Transfer to equity691/2€208k-
To other reserves6921€208k-
Profit to be distributed694/7-€309k
Return on contributions (dividend)694-€309k
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 331 days late
2024
31-12
Financial
Highest result since 2022net €102k ▲71%
Net result €102k, the highest in the series.
31-12
Financial
Equity above €200kEq €211k ▲93.9%
3 profitable years in a row build equity to €211k.
2023
31-12
Financial
Liquidity triplescurrent ratio 4.85
Current ratio from 1.90 to 4.85.
31-12
Financial
Equity above €100kEq €109k ▲122%
2 profitable years in a row build equity to €109k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Amay · 1 establishment unit since 2022
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.
Chaussée Roosevelt(AMA) 214540 AmayGround area
1,439 m²
Building footprint
120 m²
Parcel 61003B0263/00V000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CABINET TSEMO
since 20222.328.694.440
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61003B0263/00V000 | Wallonia | 1,439 m² | 1 · 120 m² | - |
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.
Similar companies · same sector, comparable size
Dokter Van Deun Thomas
BE 0721.508.269
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DR. CATHERINE THEUWIS
BE 0729.737.037
Alken · Eq €3,000
Dr. Tessa Vande Velde
BE 0730.852.438
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DOKTER PHEANDRA DE WACHTER
BE 0730.975.964
Wuustwezel · Eq €3,000
Dr. Lara Beunen
BE 0731.743.947
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Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 1,025 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
Founded24-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.