Checked.be
Active
BE 0464.954.553Private limited company
CENTRE MEDICAL PB
Rue des Ardennes, C.-W. 6 ·5380 Fernelmont, Belgium· 27 yrs active
Conclusion
CENTRE MEDICAL PB has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €621k and a net result of €199k. Equity is growing by ~26.2% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.8% (low).
Based on the State Gazette, CBE and 7 annual accounts.
Key figures
| Equity | €621k |
| Net result | €199k |
| Active | 27 yrs |
Financial profile
96
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
100
Profitability
100
Solvency
100
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1999, 27 years in business.
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.
Checked score
100
/ 100
Excellent
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.
Indicative credit limit
€60k
estimate, not credit advice
Score history
85
2018
77
2019
93
2020
93
2021
100
2022
100
2023
100
2024
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 5.50 (≥ 1.5)
+10
Quick ratio
Quick ratio 5.50 (≥ 1.0)
+5
Leverage
Debt/equity 0.28 (< 1.0)
+10
Profitability
ROE 32% (≥ 10%)
+10
Interest coverage
Interest coverage 77.3× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~26.2%/year over 7 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
€360k
+40.0%
18-24
€199k
+56.4%
18-24
€262k
+42.1%
18-24
€797k
+26.9%
18-24
€621k
+47.3%
18-24
€450k
+98.3%
18-24
€94k
+35.7%
18-24
€0
-100.0%
18-24
€176k
-14.6%
18-24
€100k
-26.4%
18-24
€76k
+8.0%
18-24
5.50
+106.0%
18-24
5.50
+106.0%
18-24
77.9%
+16.0%
18-24
0.28
-42.0%
18-24
32.1%
+6.2%
18-24
25.0%
+23.2%
18-24
77.25
+10.7%
18-24
Figures by fiscal year and ratios
| Fiscal year | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | full schema | full schema | full schema |
| Revenue | - | - | - | - | - |
| EBITDA | €360k | €257k | €142k | €140k | €266k |
| Net profit | €199k | €127k | €63k | €61k | €156k |
| Cash flow | €262k | €185k | €102k | €110k | €205k |
| Staff costs | - | - | - | - | - |
| Income taxes | €94k | €69k | €35k | €38k | €82k |
| Dividends | €0 | €40k | - | €20k | €20k |
| Total assets | €797k | €628k | €467k | €414k | €393k |
| Equity | €621k | €422k | €334k | €271k | €230k |
| Debt | €176k | €207k | €133k | €143k | €163k |
| of which ≤ 1y | €100k | €136k | €70k | €124k | €130k |
| of which > 1y | €76k | €71k | €63k | €19k | €33k |
| Working capital | €450k | €227k | €230k | €161k | €125k |
| Employees (FTE) | - | - | - | - | - |
Note: these years are not on the same basis. The filed schemas differ (micro schema, full schema), so the columns are not directly comparable.
Ratios (computed)
| 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|
| Current ratio | 5.50 | 2.67 | 4.28 | 2.29 | 1.96 |
| Quick ratio | 5.50 | 2.67 | 4.28 | 2.29 | 1.96 |
| Working capital ratio | 56.4% | 36.1% | 49.3% | 38.7% | 31.8% |
| Solvency | 77.9% | 67.1% | 71.5% | 65.5% | 58.5% |
| Debt / equity | 0.28 | 0.49 | 0.40 | 0.53 | 0.15 |
| Long-term debt ratio | 0.12 | 0.17 | 0.19 | 0.07 | 0.15 |
| Interest coverage | 77.25 | 69.81 | 18.69 | 48.26 | - |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 25.0% | 20.3% | 13.4% | 14.8% | 39.6% |
| ROE | 32.1% | 30.2% | 18.8% | 22.7% | 67.7% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2024
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €797k | €628k | €467k | €414k | €393k |
| Fixed assets | 21/28 | €248k | €266k | €166k | €130k | €138k |
| Tangible fixed assets | 22/27 | €248k | €266k | €166k | €130k | €138k |
| Current assets | 29/58 | €550k | €363k | €301k | €285k | €255k |
| Amounts receivable within one year | 40/41 | €246k | €228k | €215k | €206k | €189k |
| Investments | 50/53 | €107k | - | - | - | - |
| Cash & bank | 54/58 | €173k | €125k | €81k | €71k | €62k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €797k | €628k | €467k | €414k | €393k |
| Equity | 10/15 | €621k | €422k | €334k | €271k | €230k |
| Contributions / capital | 10/11 | €12k | €12k | €12k | €12k | €12k |
| Reserves | 13 | €582k | €382k | €295k | €233k | €192k |
| Accumulated profits (losses) | 14 | €27k | €27k | €27k | €26k | €26k |
| Amounts payable | 17/49 | €176k | €207k | €133k | €143k | €163k |
| Amounts payable after one year | 17 | €76k | €71k | €63k | €19k | €33k |
| Amounts payable within one year | 42/48 | €100k | €136k | €70k | €124k | €130k |
| Trade debts payable within one year | 44 | €4k | €8k | €13k | €8k | €7k |
| Income statement | ||||||
| Gross operating margin | 9900 | €364k | €260k | €146k | €144k | €268k |
| Operating result | 9901 | €297k | €200k | €103k | €92k | €216k |
| Financial income | 75 | €576 | €82 | €26 | €33 | €29 |
| Financial charges | 65 | €5k | €4k | €8k | €3k | €2k |
| Result before taxes | 9903 | €293k | €196k | €98k | €100k | €215k |
| Income taxes | 67/77 | €94k | €69k | €35k | €38k | €82k |
| Net result for the period | 9904 | €199k | €127k | €63k | €61k | €133k |
| Result to be appropriated | 9905 | €145k | €127k | €63k | €61k | €152k |
Legal Structure
| NACE primary | - |
| Legal form | Private limited company(610) |
| Incorporation | 06-01-1999 |
| Status | Active |
| Postal code | 5380 |
Real-estate footprint
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92027A0018/00K000 | Wallonia | 1,282 m² | 1 · 185 m² | - |
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.
Updates
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €199k ▲56.4%
Operating result €297k, net result €199k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.50
Current ratio from 2.67 to 5.50; short-term debt falls from €136k to €100k.
31-12
Financial
Equity above €500kEq €621k ▲47.3%
7 profitable years in a row build equity to €621k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 61 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €61k ▼60.5%
Net result drops to €61k, the lowest in the series; recovery starts the following year.
09-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 101 days late
2020
31-12
Financial
Equity above €200kEq €230k ▲95.9%
3 profitable years in a row build equity to €230k.
13-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 105 days late
2019
18-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 79 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Names & trade names
| Legal nameFR | CENTRE MEDICAL PB |