CKMS
ActiveSummary
CKMS has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €978k and a net result of €523k. Its solvency ranks better than 49% of 2331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency84▲+18
Growth78
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity ample (current ratio 2.01 against 1.18 in 2024; short-term debt: 27.2% and cash: 14.7% of total assets), and 41% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
59%
Return on assets
31.5%
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 11-02-2026, 170 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
170 d early
2024
152 d early
← 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, abbreviated schema
Equity
€978k▲ 115%
2024 · €455k
2024: €455k
2024 → 2025
Total assets
€1.66M▲ 50.8%
2024 · €1.10M
2024: €1.10M
2024 → 2025
Net result
€523k▲ 16.1%
2024 · €450k
2024: €450k
2024 → 2025
Working capital
€456k▲ 795%
2024 · €51k
2024: €51k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€455k-€978k▲ 115%
Operating result€627k-€707k▲ 12.7%
Net result€450k-€523k▲ 16.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 13% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.66M
Fixed assets
€751k ▼ 2.6%
Current assets
€907k ▲ 176%
Equity and liabilities €1.66M
Equity
€978k ▲ 115%
Debt
€679k ▲ 5.5%
Debt's share of the balance-sheet total falls from 58.6% to 41.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€727k▲
2024 · €637k
Cash flow
€543k▲
2024 · €460k
Current ratio
2.01▲
2024 · 1.18
Debt to equity
0.69▼
2024 · 1.41
ROE
53.5%▼
2024 · 98.9%
ROA
31.5%▼
2024 · 41.0%
Interest coverage
46.57▲
2024 · 19.54
Debt ≤ 1 year
€451k▲
2024 · €278k
Debt > 1 year
€228k▼
2024 · €366k
Income taxes
€169k▲
2024 · €144k
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.10M€1.66M▲
Fixed assets21/28€771k€751k▼
Intangible fixed assets21€91k€71k▼
Financial fixed assets28€680k€680k=
Current assets29/58€329k€907k▲
Amounts receivable within one year40/41€307k€512k▲
Trade receivables40€307k€508k▲
Other amounts receivable41-€4k
Current investments50/53-€150k
Cash at bank and in hand54/58€22k€244k▲
Equity and liabilities
Total equity and liabilities10/49€1.10M€1.66M▲
Equity10/15€455k€978k▲
Contributions10/11€5k€5k=
Reserves13€450k€973k▲
Distributable reserves133€450k€973k▲
Amounts payable17/49€644k€679k▲
Amounts payable after more than one year17€366k€228k▼
Financial debts170/4€366k€228k▼
Amounts payable within one year42/48€278k€451k▲
Current portion of amounts payable after more than one year42€133k€138k▲
Trade debts44€75-
Suppliers440/4€75-
Taxes, remuneration and social security45€144k€313k▲
Taxes450/3€144k€313k▲
Other amounts payable47/48€23€99▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€20k▲
Other operating charges640/8€596€150▼
Gross operating margin9900€637k€727k▲
Operating profit (loss)9901€627k€707k▲
Financial charges65/66B€33k€16k▼
Recurring financial charges65€33k€16k▼
Profit (loss) for the period before taxes9903€595k€691k▲
Income taxes67/77€144k€169k▲
Profit (loss) for the period9904€450k€523k▲
Profit (loss) for the period to be appropriated9905€450k€523k▲
Appropriation of the result
Profit (loss) to be appropriated9906€450k€523k▲
Transfer to equity691/2€450k€523k▲
To other reserves6921€450k€523k▲
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
11-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €500kEq €978k ▲115%
2 profitable years in a row build equity to €978k.
01-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
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, Hasselt · 1 establishment unit since 2023
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.
Sint-Truidersteenweg 263500 HasseltGround area
170 m²
Building footprint
92 m²
Volume, LiDAR
848 m³
Parcel 71324E0027/00K000, Flanders · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CKMS
since 20232.343.876.524
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71324E0027/00K000 | Flanders | 170 m² | 1 · 92 m² | 12.5 m · 3 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.
Similar companies · same sector, comparable size
DOKTER GEERT NACKAERTS
BE 0876.729.451
Jabbeke · Eq €978,059
DR. DERVAUX
BE 0896.696.704
Antwerpen · Eq €978,148
CABINET MEDICAL BISTREANU
BE 0836.627.770
Mouscron · Eq €977,702
DR. STEFAN SOHIER
BE 0875.053.133
Ieper · Eq €977,506
DR. WAEGEMANS
BE 0861.359.901
Beerse · Eq €977,497
Of 16,627 companies in sector 86220 we hold annual accounts for 7,974. 5,786 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
Founded22-03-2023
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.