Docteur Catherine Kestens
ActiveSummary
Docteur Catherine Kestens has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €222k and a net result of €63k. Equity is growing by ~3.3% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+2
Solvency73▲+13
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 3.46 against 1.97 in 2024; short-term debt: 10.1% and cash: 2.4% of total assets), but 52.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
47.9%
Return on assets
13.6%
Age of the figures
9 mo
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
5 d late
2022
10 d late
2021
57 d late
2020
87 d late
2019
97 d late
← 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
€222k▲ 39.6%
2024 · €159k
2018: €148k
2019: €131k
2020: €138k
2021: €162k
2022: €143k
2023: €134k
2024: €159k
2018 → 2025
Total assets
€464k▲ 3.3%
2024 · €449k
2018: €388k
2019: €439k
2020: €467k
2021: €466k
2022: €470k
2023: €431k
2024: €449k
2018 → 2025
Net result
€63k▲ 14.8%
2024 · €55k
2018: €38k
2019: €-18k
2020: €8k
2021: €23k
2022: €13k
2023: €33k
2024: €55k
2018 → 2025
Working capital
€115k▲ 58.9%
2024 · €72k
2018: €111k
2019: €58k
2020: €61k
2021: €83k
2022: €66k
2023: €57k
2024: €72k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€162k-€143k▼ 11.2%€134k▼ 6.4%€159k▲ 18.5%€222k▲ 39.6%
Operating result€25k-€18k▼ 26.9%€56k▲ 202%€88k▲ 58.7%€95k▲ 8.1%
Net result€23k-€13k▼ 44.4%€33k▲ 157%€55k▲ 64.9%€63k▲ 14.8%
Turnover and EBIT margin not published: the 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 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €464k
Fixed assets
€302k ▲ 0.1%
Current assets
€162k ▲ 10.0%
Equity and liabilities €464k
Equity
€222k ▲ 39.6%
Debt
€241k ▼ 16.6%
Debt's share of the balance-sheet total falls from 64.5% to 52.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€112k▲
2024 · €107k
Cash flow
€80k▲
2024 · €74k
Current ratio
3.46▲
2024 · 1.97
Debt to equity
1.09▼
2024 · 1.82
ROE
28.3%▼
2024 · 34.5%
ROA
13.6%▲
2024 · 12.2%
Interest coverage
14.63▲
2024 · 9.49
Debt ≤ 1 year
€47k▼
2024 · €75k
Debt > 1 year
€195k▼
2024 · €215k
Income taxes
€26k▲
2024 · €22k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€449k€464k▲
Fixed assets21/28€302k€302k▲
Tangible fixed assets22/27€302k€302k▲
Land and buildings22€292k€296k▲
Furniture and vehicles24€9k€6k▼
Current assets29/58€147k€162k▲
Amounts receivable within one year40/41€21k-
Other amounts receivable41€21k-
Current investments50/53€97k€109k▲
Cash at bank and in hand54/58€28k€11k▼
Deferred charges and accrued income490/1€799€41k▲
Equity and liabilities
Total equity and liabilities10/49€449k€464k▲
Equity10/15€159k€222k▲
Reserves13€90k€153k▲
Distributable reserves133€90k€153k▲
Profit (loss) carried forward14€69k€69k=
Amounts payable17/49€290k€241k▼
Amounts payable after more than one year17€215k€195k▼
Financial debts170/4€215k€195k▼
Amounts payable within one year42/48€75k€47k▼
Current portion of amounts payable after more than one year42€19k€20k▲
Trade debts44€13k€8k▼
Suppliers440/4€13k€8k▼
Taxes, remuneration and social security45€22k€16k▼
Taxes450/3€22k€16k▼
Other amounts payable47/48€21k€3k▼
Accrued charges and deferred income492/3-€63
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€17k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€109k€115k▲
Operating profit (loss)9901€88k€95k▲
Financial income75/76B€31€835▲
Recurring financial income75€31€835▲
Financial charges65/66B€11k€8k▼
Recurring financial charges65€11k€8k▼
Profit (loss) for the period before taxes9903€77k€89k▲
Income taxes67/77€22k€26k▲
Profit (loss) for the period9904€55k€63k▲
Profit (loss) for the period to be appropriated9905€55k€63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€154k€132k▼
Profit (loss) brought forward from the previous period14P€99k€69k▼
Transfer to equity691/2€55k€63k▲
To the legal reserve6920€55k-
To other reserves6921-€63k
Profit to be distributed694/7€30k-
Return on contributions (dividend)694€30k-
The notes to these accounts (12 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €63k ▲14.8%
Operating result €95k, net result €63k, both a record.
31-12
Financial
Equity above €200kEq €222k ▲39.6%
6 profitable years in a row build equity to €222k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Equity above €150kEq €159k ▲18.5%
5 profitable years in a row build equity to €159k.
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
26-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 57 days late
2021
31-12
Financial
Equity above €150kEq €162k ▲16.9%
2 profitable years in a row build equity to €162k.
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 87 days late
2020
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
05-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 97 days late
Show earlier events
2019
31-12
Financial
Weakest financial yearnet €-18k ▼147%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
20-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 51 days late
2017
12-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 43 days late
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, Hannut · 1 establishment unit since 2012
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.
Avenue des Platanes 64280 HannutGround area
1,127 m²
Building footprint
144 m²
Volume, LiDAR
755 m³
Parcel 64034B1015/00P002, Wallonia · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DOCTEUR CATHERINE KESTENS
since 20122.209.685.239
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64034B1015/00P002 | Wallonia | 1,127 m² | 1 · 143 m² | 6.8 m · 2 fl. |
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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-04-2012
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.