CMDJD
ActiveSummary
CMDJD has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €191k and a net result of €37k. Equity is growing by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 94% of 19908 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability92▼-3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 15.1 against 2.79 in 2023; short-term debt: 2.9% and cash: 10.9% of total assets), and 3.6% of the assets are financed with debt.
Credit advice 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-07-2025, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
3 d early
2023
6 d late
2022
11 d early
2021
13 d early
2020
40 d early
2019
38 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€37k▼ 0.7%
2023 · €37k
2018: €-7k
2019: €3k
2020: €-4k
2021: €26k
2022: €19k
2023: €37k
2018 → 2024
Working capital
€81k▲ 134%
2023 · €34k
2018: €33k
2019: €22k
2020: €4k
2021: €-4k
2022: €5k
2023: €34k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€67k-€99k▲ 47.3%€118k▲ 19.3%€155k▲ 31.0%€191k▲ 23.5%
Operating result€1k-€34k▲ 2,721%€31k▼ 9.0%€55k▲ 75.4%€52k▼ 5.2%
Net result€-4k-€26k€19k▼ 25.5%€37k▲ 96.4%€37k▼ 0.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 5% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €198k
Fixed assets
€112k ▼ 10.4%
Current assets
€86k ▲ 60.7%
Equity and liabilities €198k
Equity
€191k ▲ 23.5%
Debt
€7k ▼ 69.8%
Debt's share of the balance-sheet total falls from 13.3% to 3.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€66k▼
2023 · €69k
Cash flow
€52k▼
2023 · €52k
Current ratio
15.10▲
2023 · 2.79
Debt to equity
0.04▼
2023 · 0.15
ROE
19.5%▼
2023 · 24.2%
ROA
18.8%▼
2023 · 21.0%
Interest coverage
51.21▲
2023 · 33.57
Debt ≤ 1 year
€6k▼
2023 · €19k
Debt > 1 year
€0▼
2023 · €3k
Income taxes
€16k▼
2023 · €16k
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 · 2024 against 2023 · 50 lines
Balance sheet
Code20232024
Assets
Total assets20/58€178k€198k▲
Fixed assets21/28€124k€112k▼
Tangible fixed assets22/27€124k€112k▼
Land and buildings22€108k€101k▼
Furniture and vehicles24€17k€10k▼
Current assets29/58€54k€86k▲
Amounts receivable within one year40/41€33k€51k▲
Trade receivables40€13k€0▼
Other amounts receivable41€19k€51k▲
Cash at bank and in hand54/58€21k€22k▲
Deferred charges and accrued income490/1€593€14k▲
Equity and liabilities
Total equity and liabilities10/49€178k€198k▲
Equity10/15€155k€191k▲
Contributions10/11€19k€19k=
Reserves13€84k€121k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€84k€121k▲
Profit (loss) carried forward14€52k€51k▼
Amounts payable17/49€24k€7k▼
Amounts payable after more than one year17€3k€0▼
Financial debts170/4€3k€0▼
Amounts payable within one year42/48€19k€6k▼
Current portion of amounts payable after more than one year42€18k€3k▼
Trade debts44€695€404▼
Suppliers440/4€695€404▼
Taxes, remuneration and social security45€0€1k▲
Taxes450/3€0€1k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€833€859▲
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€71k€68k▼
Operating profit (loss)9901€55k€52k▼
Financial income75/76B€646€2k▲
Recurring financial income75€646€2k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€53k€53k▼
Income taxes67/77€16k€16k▼
Profit (loss) for the period9904€37k€37k▼
Profit (loss) for the period to be appropriated9905€37k€37k▼
Appropriation of the result
Profit (loss) to be appropriated9906€90k€89k▼
Profit (loss) brought forward from the previous period14P€53k€52k▼
Transfer to equity691/2€37k€37k▼
To other reserves6921€37k€37k▼
Profit to be distributed694/7€833€859▲
Return on contributions (dividend)694€833€859▲
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
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 5current ratio 15.10
Current ratio from 2.79 to 15.10; short-term debt falls from €19k to €6k.
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
31-12
Financial
Highest result since 2018net €37k ▲96.4%
Operating result €55k, net result €37k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.79
Current ratio from 1.18 to 2.79; short-term debt falls from €28k to €19k.
31-12
Financial
Equity above €150kEq €155k ▲31%
3 profitable years in a row build equity to €155k.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €118k ▲19.3%
2 profitable years in a row build equity to €118k.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
04-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 7 days late
2016
09-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Ohey · 1 establishment unit since 2006
Ground area
5,070 m²
Building footprint
94 m²
Parcel 92099B0320/00R002, Wallonia. Linked by address, not a title deed.
1 establishment unit
CABINET MEDICAL Docteur Joëlle DREESSEN
since 20062.295.304.268
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92099B0320/00R002 | Wallonia | 5,070 m² | 1 · 94 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.
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Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 5,416 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
Founded06-11-2006
Fiscal year end31-12
Activities, NACEBEL 2025
86210General medical practice
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.