DOCTEUR CAROLINE FIUME
ActiveSummary
DOCTEUR CAROLINE FIUME has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31k and a net result of €-51k. Equity is shrinking by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 18% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-86
Solvency41▼-59
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.1 against 10.1 in 2024; short-term debt: 70.3% and cash: 71.7% of total assets), and 83.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
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 2025Solvency, return and age of the figures
Solvency
16.3%
Return on assets
-27.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 16546 sector peers (2025).
NBB · sector comparisonPosition among 16546 sector peers
Solvency
better than 18%
← weakest
strongest →
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 09-07-2026, 22 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
22 d early
2024
28 d early
2023
16 d early
2022
17 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, micro schema
Equity
€31k▼ 84.5%
2024 · €197k
2022: €136k
2023: €163k
2024: €197k
2022 → 2025
Total assets
€187k▼ 25.3%
2024 · €251k
2022: €172k
2023: €263k
2024: €251k
2022 → 2025
Net result
€-51k
2024 · €34k
2022: €106k
2023: €27k
2024: €34k
2022 → 2025
Working capital
€13k▼ 91.5%
2024 · €155k
2022: €98k
2023: €177k
2024: €155k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€136k-€163k▲ 20.0%€197k▲ 20.9%€31k▼ 84.5%
Operating result€135k-€34k▼ 75.0%€41k▲ 22.2%€-31k
Net result€106k-€27k▼ 74.3%€34k▲ 25.2%€-51k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €31k after €41k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €187k
Fixed assets
€42k ▼ 46.6%
Current assets
€145k ▼ 15.5%
Equity and liabilities €187k
Equity
€31k ▼ 84.5%
Debt
€157k ▲ 190%
Debt's share of the balance-sheet total rises from 21.6% to 83.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-18k▼
2024 · €55k
Cash flow
€-38k▼
2024 · €47k
Current ratio
1.10▼
2024 · 10.10
Quick ratio
1.07▼
2024 · 9.96
Debt to equity
5.13▲
2024 · 0.27
ROE
-167.9%▼
2024 · 17.3%
ROA
-27.4%▼
2024 · 13.5%
Interest coverage
-15.54▼
2024 · 40.17
Debt ≤ 1 year
€132k▲
2024 · €17k
Debt > 1 year
€25k▼
2024 · €37k
Income taxes
€156▼
2024 · €9k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€251k€187k▼
Fixed assets21/28€79k€42k▼
Tangible fixed assets22/27€54k€42k▼
Plant, machinery and equipment23€280€120▼
Furniture and vehicles24€49k€38k▼
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€25k-
Current assets29/58€172k€145k▼
Amounts receivable after more than one year29€115k-
Other amounts receivable291€115k-
Stocks and contracts in progress3€2k€4k▲
Stocks30/36€2k€4k▲
Amounts receivable within one year40/41-€2k
Other amounts receivable41-€2k
Cash at bank and in hand54/58€42k€134k▲
Deferred charges and accrued income490/1€12k€5k▼
Equity and liabilities
Total equity and liabilities10/49€251k€187k▼
Equity10/15€197k€31k▼
Contributions10/11€30k€30k=
Reserves13€132k-
Distributable reserves133€132k-
Profit (loss) carried forward14€35k€576▼
Amounts payable17/49€54k€157k▲
Amounts payable after more than one year17€37k€25k▼
Financial debts170/4€37k€25k▼
Amounts payable within one year42/48€17k€132k▲
Current portion of amounts payable after more than one year42€12k€12k▲
Trade debts44€277€82▼
Suppliers440/4€277€82▼
Taxes, remuneration and social security45€5k€22k▲
Taxes450/3€5k€22k▲
Remuneration and social security454/9-€250
Other amounts payable47/48-€98k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€14k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€56k
Other operating charges640/8€2k€95▼
Gross operating margin9900€57k€39k▼
Operating profit (loss)9901€41k€-31k▼
Financial income75/76B€3k-
Recurring financial income75€3k-
Financial charges65/66B€1k€20k▲
Recurring financial charges65€1k€1k▼
Non-recurring financial charges66B-€19k
Profit (loss) for the period before taxes9903€43k€-51k▼
Income taxes67/77€9k€156▼
Profit (loss) for the period9904€34k€-51k▼
Profit (loss) for the period to be appropriated9905€34k€-51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€-16k▼
Profit (loss) brought forward from the previous period14P€907€35k▲
Transfer from equity791/2-€132k
Profit to be distributed694/7-€115k
Return on contributions (dividend)694-€115k
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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-51k ▼251%
Net result drops to €-51k, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 10.10
Current ratio from 4.48 to 10.10; short-term debt falls from €51k to €17k.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €163k ▲20%
2 profitable years in a row build equity to €163k.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Herstal · 2 establishment units since 2021
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.
Chaussée Brunehault 6904042 HerstalGround area
976 m²
Building footprint
158 m²
Volume, LiDAR
1,013 m³
2 parcels, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
DOCTEUR CAROLINE FIUME
since 20212.318.065.913
Rempart des Arquebusiers(VIS) 4, 4600 Visé
since 20212.323.146.139
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62064B0143/00P000 | Wallonia | 867 m² | 1 · 101 m² | 6.1 m · 1 fl. |
| 62108C0059/00D000 | Wallonia | 110 m² | 1 · 56 m² | 11.0 m · 3 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.
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DR. MARIE LAMBRECHT
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Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 3,865 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
Founded28-05-2021
Fiscal year end31-12
Activities, NACEBEL 2025
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.