Debts
Of this, €38,451 falls due within a year.
Of this, €38,451 falls due within a year.
The dashed line is the sector median: 0.1% across 48,551 companies (NACE 70, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 28% of them on solvency, 14% on liquidity and 69% on profitability.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 2,390 companies had the same profile as DOC Services has now. Each dot stands for 6 companies, two years later.
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of DOC Services itself: 1.2% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,390 companies, not a prediction for DOC Services. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is tight, with a current ratio of 1.41, below the usual 1.5. Short-term debt is 39.5% and cash 0.1% of total assets. 74% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| DOC Services Grimbergen | €97,405 | €44,108 | 26.0% | - |
| RKF Tervuren | €105,142 | €40,250 | 23.6% | - |
| LELIEVRE PAUL Sint-Genesius-Rode | €92,239 | €44,466 | 79.6% | - |
| Fuego Coaching and Training Bertem | €88,773 | €38,907 | 31.4% | - |
| RESVERTE Boutersem | €82,725 | €47,921 | 41.5% | - |
| Ecce-Fin Beersel | €89,986 | €47,927 | 27.9% | - |
| Chelo Consult Beersel | €92,897 | €44,556 | 33.9% | - |
These companies have the same main activity as DOC Services: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €82,700 and €105,000, founded in 2024.
DOC Services has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25,353 and a net result of €23,853.
Its solvency ranks better than 27% of 39,335 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Higher than 27% of 39,335 companies in 2025.
Higher than 37% of 38,020 companies in 2025.
Higher than 64% of 38,492 companies in 2025.
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
Total assets20/58 |
97,405 | |
Fixed assets21/28 |
43,228 | |
Intangible fixed assets21 |
43,228 | |
Current assets29/58 |
54,177 | |
Amounts receivable after more than one year29 |
0 | |
Trade receivables290 |
0 | |
Other amounts receivable291 |
0 | |
Amounts receivable within one year40/41 |
53,637 | |
Trade receivables40 |
35,025 | |
Other amounts receivable41 |
18,611 | |
Current investments50/53 |
407 | |
Cash at bank and in hand54/58 |
133 | |
Deferred charges and accrued income490/1 |
0 | |
| Balance sheet: equity and liabilities | ||
Total equity and liabilities10/49 |
97,405 | |
Equity10/15 |
25,353 | |
Contributions10/11 |
1,500 | |
Reserves13 |
23,853 | |
Distributable reserves133 |
23,853 | |
Provisions and deferred taxes16 |
3,600 | |
Provisions for liabilities and charges160/5 |
3,600 | |
Other liabilities and charges164/5 |
3,600 | |
Amounts payable17/49 |
68,451 | |
Amounts payable within one year42/48 |
38,451 | |
Financial debts43 |
880 | |
Credit institutions430/8 |
880 | |
Trade debts44 |
25,113 | |
Suppliers440/4 |
25,113 | |
Taxes, remuneration and social security45 |
12,459 | |
Taxes450/3 |
12,459 | |
Other amounts payable47/48 |
0 | |
Accrued charges and deferred income492/3 |
30,000 | |
| Income statement | ||
Turnover70 |
120,901 | |
Gross operating margin9900 |
44,108 | |
Goods, raw materials, services and sundry goods60/61 |
76,794 | |
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 |
6,772 | |
Provisions for liabilities and charges: additions (uses and reversals)635/8 |
3,600 | |
Other operating charges640/8 |
959 | |
Operating profit (loss)9901 |
32,776 | |
Financial income75/76B |
1,157 | |
Recurring financial income75 |
1,157 | |
Financial charges65/66B |
1,195 | |
Recurring financial charges65 |
1,195 | |
Profit (loss) for the period before taxes9903 |
32,739 | |
Income taxes67/77 |
8,885 | |
Profit (loss) for the period9904 |
23,853 | |
Profit (loss) for the period to be appropriated9905 |
23,853 | |
| Appropriation of the result | ||
Profit (loss) to be appropriated9906 |
23,853 | |
Transfer to equity691/2 |
23,853 | |
To other reserves6921 |
23,853 | |
| Document | ||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 16-08-2026.
2025 annual accounts filed 16 days after the deadline. Filed on 16 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00400326.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 16-08-2026 | 2026-00400326 |
| Line | Trend | 2025 |
|---|---|---|
| EBITDA | 39,548 | |
| Cash flow | 30,625 | |
| Investment in fixed assets | 50,000 | |
| Working capital | 15,725 | |
| EBIT margin | 27.1% | |
| Solvency | 26.0% | |
| Current ratio | 1.41 | |
| Debt to equity | 2.70 | |
| ROE | 94.1% | |
| ROA | 24.5% | |
| Interest coverage | 33.10 | |
| Customer credit | 106 days | |
| Supplier credit | 119 days |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2025 |
|---|---|
| Intangible fixed assets | €50,000 |
| Depreciation and write-downs of the year | €6,772 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Debt's share of the balance-sheet total is 70.3%.
DOC Services has no parent and no holdings in its annual accounts. OBBERS Dirk Jozef Melania is the only director. DOC Services shares no director with another company.
| Dhali
registered office since 20-08-2026 |
founded in 2026 1041.488.703 |
| Obbers, Dirk (sole trader)
establishment since 17-12-1999 |
founded in 1999 0702.694.724 |
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Bieststraat 13A registered office 1850 Grimbergen |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23403F0185/00G000 | 514 m² | 1 · 134 m² | 7.6 m · 2 |
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