Caroline Pesesse · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Caroline Pesesse is 0.2% (very low). The 2024 annual accounts show equity of €39k and a net result of €26k. Its solvency ranks better than 45% of 6582 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

1 signal · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 15 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-08-2025, 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.

How we compute the deadline

The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	20-08-2025	20 d late	2025-00390674
31-12-2023	31-07-2024	27-08-2024	27 d late	2024-00373482

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2023, past the statistically most fragile first 3 years.

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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€26k+157.9%

Working capital€37k+268.8%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 20-08-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 86, Human health · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	62.1%	66.7%	better than 45% of 6582 sector peers
Net result	€26k	€46k	better than 34% of 6576 sector peers
Equity	€39k	€79k	better than 31% of 6582 sector peers
Gross operating margin	€38k	€78k	better than 26% of 6584 sector peers
Total assets	€63k	€154k	better than 20% of 6585 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€37k

+145.4% 23-24

Net profit

€26k

+157.9% 23-24

Cash flow

€30k

+143.8% 23-24

Total assets

€63k

+38.1% 23-24

Equity

€39k

+199.1% 23-24

Working capital

€37k

+268.8% 23-24

Income taxes

€7k

+148.8% 23-24

Debt

€24k

-26.7% 23-24

Debt ≤ 1y

€19k

-24.3% 23-24

Debt > 1y

€5k

-25.7% 23-24

Current ratio

2.95

+110.7% 23-24

Quick ratio

2.95

+110.7% 23-24

Solvency

62.1%

+116.6% 23-24

Debt / equity

0.61

-75.5% 23-24

ROE

66.6%

-13.8% 23-24

ROA

41.4%

+86.7% 23-24

Interest coverage

92.90

-23.8% 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€37k
Net profit	€26k
Cash flow	€30k
Staff costs	-
Income taxes	€7k
Dividends	-
Total assets	€63k
Equity	€39k
Debt	€24k
of which ≤ 1y	€19k
of which > 1y	€5k
Working capital	€37k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	2.95
Quick ratio	2.95
Working capital ratio	58.3%
Solvency	62.1%
Debt / equity	0.61
Long-term debt ratio	0.13
Interest coverage	92.90
Gross margin	-
Net margin	-
ROA	41.4%
ROE	66.6%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €7k · 11.8% Current assets €56k · 88.2%

Equity & liabilities

Equity €39k · 62.1% Debt €24k · 37.9%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€63k
Fixed assets	21/28	€7k
Tangible fixed assets	22/27	€7k
Current assets	29/58	€56k
Amounts receivable within one year	40/41	€460
Cash & bank	54/58	€34k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€63k
Equity	10/15	€39k
Contributions / capital	10/11	€3k
Accumulated profits (losses)	14	€36k
Amounts payable	17/49	€24k
Amounts payable after one year	17	€5k
Amounts payable within one year	42/48	€19k
Trade debts payable within one year	44	€4k
Income statement
Gross operating margin	9900	€38k
Operating result	9901	€34k
Financial charges	65	€399
Result before taxes	9903	€33k
Income taxes	67/77	€7k
Net result for the period	9904	€26k
Result to be appropriated	9905	€26k

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

100 / 100 Excellent

050100

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.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Rue de la Saint-Jean 14960 Malmedy

Establishment units

1 location

Caroline Pesesse

Rue de la Saint-Jean 1, 4960 MalmedyKinesitherapie activiteiten

since 20232.346.478.696

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area968 m²

Buildings1

Building footprint132 m²

Volume (LiDAR)687 m³

Tallest building7.4 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
63049E0094/00Z000	Wallonia	968 m²	1 · 132 m²	7.4 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.