DOCTEUR LAURENCE PAYEN
ActiveSummary
DOCTEUR LAURENCE PAYEN has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €244k and a net result of €26k. Equity is growing by ~6.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability81▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 11.41 against 17.68 in 2023; short-term debt: 8.4% and cash: 72.4% of total assets), and 9.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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
not confirmed
2024
60 d late
2023
27 d late
2022
415 d late
2021
17 d early
2020
30 d late
2019
60 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€244k▲ 6.9%
2023 · €229k
2018: €126k
2019: €177k
2020: €225k
2021: €204k
2022: €203k
2023: €229k
2018 → 2024
Total assets
€271k▲ 11.5%
2023 · €243k
2018: €149k
2019: €197k
2020: €241k
2021: €286k
2022: €224k
2023: €243k
2018 → 2024
Net result
€26k▼ 1.6%
2023 · €26k
2018: €21k
2019: €51k
2020: €48k
2021: €33k
2022: €-2k
2023: €26k
2018 → 2024
Working capital
€238k▲ 8.7%
2023 · €219k
2018: €101k
2019: €141k
2020: €192k
2021: €187k
2022: €187k
2023: €219k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€225k-€204k▼ 9.2%€203k▼ 0.8%€229k▲ 12.9%€244k▲ 6.9%
Operating result€61k-€44k▼ 28.0%€-164€35k€34k▼ 3.0%
Net result€48k-€33k▼ 30.4%€-2k€26k€26k▼ 1.6%
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 3% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €271k
Fixed assets
€11k ▼ 7.8%
Current assets
€261k ▲ 12.4%
Equity and liabilities €271k
Equity
€244k ▲ 6.9%
Debt
€27k ▲ 82.9%
Debt's share of the balance-sheet total rises from 6.1% to 9.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€37k▼
2023 · €39k
Cash flow
€29k▼
2023 · €30k
Current ratio
11.41▼
2023 · 17.68
Debt to equity
0.11▲
2023 · 0.06
ROE
10.5%▼
2023 · 11.4%
ROA
9.5%▼
2023 · 10.7%
Interest coverage
29.82▼
2023 · 47.28
Debt ≤ 1 year
€23k▲
2023 · €13k
Income taxes
€7k▼
2023 · €8k
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 · 2024 against 2023 · 47 lines
Balance sheet
Code20232024
Assets
Total assets20/58€243k€271k▲
Fixed assets21/28€11k€11k▼
Tangible fixed assets22/27€11k€10k▼
Plant, machinery and equipment23€1k€291▼
Furniture and vehicles24-€2k
Other tangible fixed assets26€10k€8k▼
Financial fixed assets28€125€125=
Current assets29/58€232k€261k▲
Amounts receivable within one year40/41€29k€14k▼
Trade receivables40€29k€12k▼
Other amounts receivable41-€2k
Current investments50/53€40k€43k▲
Cash at bank and in hand54/58€155k€196k▲
Deferred charges and accrued income490/1€8k€8k▲
Equity and liabilities
Total equity and liabilities10/49€243k€271k▲
Equity10/15€229k€244k▲
Contributions10/11€19k€19k=
Reserves13€152k€152k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€151k€151k=
Profit (loss) carried forward14€58k€73k▲
Amounts payable17/49€15k€27k▲
Amounts payable within one year42/48€13k€23k▲
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Taxes, remuneration and social security45€8k€8k▲
Taxes450/3€8k€8k=
Remuneration and social security454/9€171€203▲
Other amounts payable47/48-€10k
Accrued charges and deferred income492/3€2k€4k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€598€630▲
Gross operating margin9900€39k€38k▼
Operating profit (loss)9901€35k€34k▼
Financial income75/76B€1€341▲
Recurring financial income75€1€341▲
Financial charges65/66B€822€1k▲
Recurring financial charges65€822€1k▲
Profit (loss) for the period before taxes9903€34k€33k▼
Income taxes67/77€8k€7k▼
Profit (loss) for the period9904€26k€26k▼
Profit (loss) for the period to be appropriated9905€26k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€83k▲
Profit (loss) brought forward from the previous period14P€31k€58k▲
Profit to be distributed694/7-€10k
Return on contributions (dividend)694-€10k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
18-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 415 days late
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
2022
31-12
Financial
Weakest financial yearnet €-2k ▼105%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 9.88
Current ratio from 3.40 to 9.88; short-term debt falls from €78k to €21k.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Equity above €200kEq €225k ▲26.8%
3 profitable years in a row build equity to €225k.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
31-12
Financial
Highest result since 2018net €51k ▲143%
Operating result €66k, net result €51k, both a record.
31-12
Financial
Equity above €150kEq €177k ▲40.4%
2 profitable years in a row build equity to €177k.
Show earlier events
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 71 days late
2018
05-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 66 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 57 days late
2016
05-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 66 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Merbes-le-Château · 1 establishment unit since 2013
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.
Rue Achille Dejean(F-V) 76567 Merbes-le-ChâteauGround area
1,510 m²
Building footprint
352 m²
Volume, LiDAR
1,157 m³
2 parcels, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Docteur Laurence Payen
since 20132.222.870.113
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56011D0127/00R011 | Wallonia | 839 m² | 1 · 135 m² | - |
| 56025A0233/00D000 | Wallonia | 672 m² | 1 · 216 m² | 7.3 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
Wallonia-Brussels Federation
2024 to 2025 · 2 entries · 161 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 1 | 82 EUR |
| 2024 | 1 | 79 EUR |
Budget allocations
Incitants format.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-09-2013
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.