Curamed
ActiveCuramed has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.36M and a net result of €164k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 92% of 7921 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▼-1
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €220k at 30 days acceptable
Liquidity ample (current ratio 5.9 against 7.84 in 2024), and 9.9% of the assets are financed with debt.
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 · 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
90.1%
Return on assets
6.3%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
3 d early
2023
6 d early
2022
25 d early
2021
30 d early
2020
6 d early
2019
1 d early
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.36M▲ 7.5%
2024 · €2.20M
2018: €187k
2019: €203k
2020: €1.99M
2021: €2.04M
2022: €1.97M
2023: €2.04M
2024: €2.20M
2018 → 2025
Total assets
€2.62M▲ 7.3%
2024 · €2.44M
2018: €425k
2019: €455k
2020: €2.26M
2021: €2.39M
2022: €2.28M
2023: €2.36M
2024: €2.44M
2018 → 2025
Net result
€164k▲ 4.4%
2024 · €157k
2018: €16k
2019: €16k
2020: €27k
2021: €52k
2022: €-76k
2023: €69k
2024: €157k
2018 → 2025
Working capital
€373k▲ 59.2%
2024 · €234k
2018: €132k
2019: €192k
2020: €-253
2021: €67k
2022: €2k
2023: €67k
2024: €234k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.04M-€1.97M▼ 3.7%€2.04M▲ 3.5%€2.20M▲ 7.7%€2.36M▲ 7.5%
Operating result€74k-€-83k€90k€192k▲ 113%€224k▲ 16.8%
Net result€52k-€-76k€69k€157k▲ 127%€164k▲ 4.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 17% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.62M
Fixed assets
€2.17M▼ 0.1%
Current assets
€449k▲ 67.2%
Equity and liabilities €2.62M
Equity
€2.36M▲ 7.5%
Provisions
€16k▲ 2.8%
Debt
€243k▲ 5.6%
The debt ratio falls from 9.4% to 9.3%: equity grows faster than debt.
Key figures and ratios
EBITDA
€234k▲
2024 · €202k
Cash flow
€175k▲
2024 · €168k
Solvency
90.1%▲
2024 · 89.9%
Current ratio
5.90▼
2024 · 7.84
Quick ratio
5.90▼
2024 · 7.84
Debt / equity
0.10▼
2024 · 0.10
ROE
7.0%▼
2024 · 7.2%
ROA
6.3%▼
2024 · 6.4%
Interest coverage
13.82▲
2024 · 9.83
Debt
€243k▲
2024 · €230k
Debt ≤ 1 year
€76k▲
2024 · €34k
Debt > 1 year
€167k▼
2024 · €196k
Income taxes
€52k▲
2024 · €38k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.44M€2.62M▲
Fixed assets21/28€2.17M€2.17M▼
Tangible fixed assets22/27€173k€170k▼
Furniture and vehicles24€1k€7k▲
Leasing and similar rights25€168k€160k▼
Other tangible fixed assets26€4k€2k▼
Financial fixed assets28€2.00M€2.00M=
Current assets29/58€268k€449k▲
Amounts receivable within one year40/41€44k€63k▲
Trade receivables40€31k€43k▲
Other amounts receivable41€12k€20k▲
Cash at bank and in hand54/58€195k€371k▲
Deferred charges and accrued income490/1€30k€15k▼
Equity and liabilities
Total equity and liabilities10/49€2.44M€2.62M▲
Equity10/15€2.20M€2.36M▲
Contributions10/11€1.77M€1.77M=
Reserves13€131k€131k=
Tax-exempt reserves132€11k€11k=
Distributable reserves133€119k€119k=
Profit (loss) carried forward14€296k€460k▲
Provisions and deferred taxes16€15k€16k▲
Provisions for liabilities and charges160/5€15k€16k▲
Major repairs and maintenance162€15k€16k▲
Amounts payable17/49€230k€243k▲
Amounts payable after more than one year17€196k€167k▼
Financial debts170/4€196k€167k▼
Amounts payable within one year42/48€34k€76k▲
Current portion of amounts payable after more than one year42-€29k
Trade debts44-€11k
Suppliers440/4-€11k
Taxes, remuneration and social security45€11k€11k▼
Taxes450/3€11k€11k▼
Other amounts payable47/48€23k€25k▲
Accrued charges and deferred income492/3€194-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€425€425=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€204k€236k▲
Operating profit (loss)9901€192k€224k▲
Financial income75/76B€24k€9k▼
Recurring financial income75€24k€9k▼
Financial charges65/66B€21k€17k▼
Recurring financial charges65€21k€17k▼
Profit (loss) for the period before taxes9903€195k€216k▲
Income taxes67/77€38k€52k▲
Profit (loss) for the period9904€157k€164k▲
Profit (loss) for the period to be appropriated9905€157k€164k▲
Appropriation of the result
Profit (loss) to be appropriated9906€296k€460k▲
Profit (loss) brought forward from the previous period14P€139k€296k▲
The notes to these accounts (17 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €164k ▲4.4%
Operating result €224k, net result €164k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity times 5current ratio 7.84
Current ratio from 1.59 to 7.84; short-term debt falls from €114k to €34k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €69k
Net result €69k after one loss-making year.
31-12
Financial
Equity above €2MEq €2.04M ▲3.5%
Equity rises from €1.97M to €2.04M.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-76k ▼244%
Net result drops to €-76k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €2MEq €2.04M ▲2.6%
4 profitable years in a row build equity to €2.04M.
25-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €1MEq €1.99M ▲879%
3 profitable years in a row build equity to €1.99M.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €203k ▲8.5%
2 profitable years in a row build equity to €203k.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Mortsel · 1 establishment unit since 2011
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.
De Valk 702640 MortselGround area
1,049 m²
Building footprint
260 m²
Volume, LiDAR
1,695 m³
2 parcels, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Curamed
since 20112.202.873.661
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11513C0482/00T004 | Flanders | 798 m² | 1 · 174 m² | 9.4 m · 2 fl. |
| 11013A0070/00A007 | Flanders | 251 m² | 1 · 86 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 324 EUR awarded · 324 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 63 EUR | 63 EUR |
| 2022 | 1 | 261 EUR | 261 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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FIEX
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IMAGEX
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Of 6,127 companies in sector 46190 we hold annual accounts for 2,554. 727 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-08-2011
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
46900Non-specialised wholesale trade
47120Other non-specialised retail sale
47191Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.