Docmat
ActiveDocmat has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €5k and a net result of €47k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 7% of 19907 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency29=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
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 · 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
4.2%
Return on assets
36.5%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 19907 sector peers (2024).
NBB · sector comparisonPosition among 19907 sector peers
Solvency
better than 7%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-08-2025, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
21 d late
2023
27 d late
2022
59 d early
2021
2 d early
2020
31 d late
2019
8 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€5k=
2023 · €5k
2018: €-22k
2019: €-25k
2020: €17k
2021: €23k
2022: €23k
2023: €5k
2018 → 2024
Total assets
€128k▼ 9.8%
2023 · €142k
2018: €130k
2019: €119k
2020: €139k
2021: €156k
2022: €124k
2023: €142k
2018 → 2024
Net result
€47k▼ 11.8%
2023 · €53k
2018: €-14k
2019: €-3k
2020: €42k
2021: €25k
2022: €23k
2023: €53k
2018 → 2024
Working capital
€-7k▲ 1.5%
2023 · €-7k
2018: €-31k
2019: €-28k
2020: €14k
2021: €20k
2022: €19k
2023: €-7k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€17k-€23k▲ 37.0%€23k=€5k▼ 76.7%€5k=
Operating result€47k-€32k▼ 31.6%€30k▼ 6.2%€68k▲ 124%€60k▼ 11.6%
Net result€42k-€25k▼ 41.6%€23k▼ 7.9%€53k▲ 135%€47k▼ 11.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 12% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €128k
Fixed assets
€59k▼ 29.3%
Current assets
€69k▲ 18.3%
Equity and liabilities €128k
Equity
€5k=
Debt
€123k▼ 10.1%
The debt ratio falls from 96.2% to 95.8%. Debt is lower.
Key figures and ratios
EBITDA
€84k▼
2023 · €92k
Cash flow
€71k▼
2023 · €77k
Solvency
4.2%▲
2023 · 3.8%
Current ratio
0.91▲
2023 · 0.90
Quick ratio
0.91▲
2023 · 0.90
Debt / equity
23.03▼
2023 · 25.62
ROE
876.5%▼
2023 · 994.1%
ROA
36.5%▼
2023 · 37.3%
Interest coverage
45.20▲
2023 · 38.56
Debt
€123k▼
2023 · €137k
Debt ≤ 1 year
€75k▲
2023 · €65k
Debt > 1 year
€47k▼
2023 · €72k
Income taxes
€12k▼
2023 · €13k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€142k€128k▼
Fixed assets21/28€84k€59k▼
Intangible fixed assets21€43k€29k▼
Tangible fixed assets22/27€40k€30k▼
Plant, machinery and equipment23€187€88▼
Furniture and vehicles24€40k€30k▼
Financial fixed assets28€800€800=
Current assets29/58€58k€69k▲
Amounts receivable after more than one year29€18k€12k▼
Other amounts receivable291€18k€12k▼
Amounts receivable within one year40/41€4k€6k▲
Trade receivables40€1k€1k=
Other amounts receivable41€3k€5k▲
Current investments50/53€3k€37k▲
Cash at bank and in hand54/58€27k€11k▼
Deferred charges and accrued income490/1€7k€3k▼
Equity and liabilities
Total equity and liabilities10/49€142k€128k▼
Equity10/15€5k€5k=
Contributions10/11€1k€1k=
Reserves13€4k€4k=
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€137k€123k▼
Amounts payable after more than one year17€72k€47k▼
Financial debts170/4€72k€47k▼
Amounts payable within one year42/48€65k€75k▲
Current portion of amounts payable after more than one year42€24k€24k▲
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€4k€1k▼
Taxes450/3€4k€1k▼
Other amounts payable47/48€34k€47k▲
Accrued charges and deferred income492/3€143€100▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€25k▲
Other operating charges640/8€2k€773▼
Gross operating margin9900€93k€85k▼
Operating profit (loss)9901€68k€60k▼
Financial income75/76B€762€1k▲
Recurring financial income75€762€1k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€66k€59k▼
Income taxes67/77€13k€12k▼
Profit (loss) for the period9904€53k€47k▼
Profit (loss) for the period to be appropriated9905€53k€47k▼
Appropriation of the result
Profit (loss) to be appropriated9906€53k€47k▼
Profit to be distributed694/7€53k€47k▼
Return on contributions (dividend)694€53k€47k▼
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Highest result since 2018net €53k ▲135%
Operating result €68k, net result €53k, both a record.
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €42k
Net result €42k after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 1.37
Current ratio from 0.38 to 1.37; short-term debt falls from €45k to €38k.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Nivelles · 1 establishment unit since 2017
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.
Mont Saint-Roch 321400 NivellesGround area
765 m²
Building footprint
159 m²
Parcel 25072B0328/00N000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Mont Saint-Roch 32, 1400 Nivelles
since 20172.265.656.219
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25072B0328/00N000 | Wallonia | 765 m² | 1 · 159 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.
Recognitions · licences · registrations
Legal Entity Identifier
6488001H6JSXUPGZTC85
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Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 1,432 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-06-2017
Fiscal year end31-12
Activities, NACEBEL
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:sandrine.matagne@yahoo.fr