DOCTEUR M. DESCHAMPS
ActiveDOCTEUR M. DESCHAMPS has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €80k and a net result of €237k. Equity is shrinking by ~9.5% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency47▼-7
Growth58=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.41 against 2.11 in 2024; short-term debt: 68.2% and cash: 92.6% of total assets), and 78.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
21.9%
Return on assets
64.7%
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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €80k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
28 d late
2023
30 d late
2022
30 d late
2021
26 d late
2020
23 d late
2019
28 d early
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€80k=
2024 · €80k
2018: €132k
2019: €115k
2020: €190k
2021: €128k
2022: €20k
2023: €20k
2024: €80k
2018 → 2025
Total assets
€366k▲ 30.3%
2024 · €280k
2018: €170k
2019: €168k
2020: €240k
2021: €235k
2022: €155k
2023: €179k
2024: €280k
2018 → 2025
Net result
€237k▲ 48.1%
2024 · €160k
2018: €17k
2019: €43k
2020: €75k
2021: €81k
2022: €127k
2023: €133k
2024: €160k
2018 → 2025
Working capital
€102k▼ 24.3%
2024 · €134k
2018: €55k
2019: €65k
2020: €163k
2021: €132k
2022: €29k
2023: €49k
2024: €134k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€128k-€20k▼ 84.0%€20k=€80k▲ 292%€80k=
Operating result€98k-€159k▲ 62.0%€172k▲ 8.0%€216k▲ 26.1%€318k▲ 46.9%
Net result€81k-€127k▲ 57.0%€133k▲ 4.4%€160k▲ 20.5%€237k▲ 48.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 47% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €366k
Fixed assets
€15k▼ 43.0%
Current assets
€351k▲ 37.7%
Equity and liabilities €366k
Equity
€80k=
Debt
€285k▲ 42.5%
The debt ratio rises from 71.4% to 78.1%. Debt is higher.
Key figures and ratios
EBITDA
€329k▲
2024 · €228k
Cash flow
€247k▲
2024 · €171k
Solvency
21.9%▼
2024 · 28.6%
Current ratio
1.41▼
2024 · 2.11
Quick ratio
1.41▼
2024 · 2.11
Debt / equity
3.56▲
2024 · 2.50
ROE
295.1%▲
2024 · 199.2%
ROA
64.7%▲
2024 · 56.9%
Interest coverage
332.82▲
2024 · 213.58
Debt
€285k▲
2024 · €200k
Debt ≤ 1 year
€249k▲
2024 · €121k
Debt > 1 year
€3k▼
2024 · €11k
Income taxes
€81k▲
2024 · €56k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€280k€366k▲
Fixed assets21/28€25k€15k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€25k€15k▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€23k€13k▼
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€77-
Current assets29/58€255k€351k▲
Amounts receivable within one year40/41€6k-
Other amounts receivable41€6k-
Cash at bank and in hand54/58€242k€338k▲
Deferred charges and accrued income490/1€7k€13k▲
Equity and liabilities
Total equity and liabilities10/49€280k€366k▲
Equity10/15€80k€80k=
Contributions10/11€19k€19k=
Reserves13€62k€62k=
Distributable reserves133€62k€62k=
Amounts payable17/49€200k€285k▲
Amounts payable after more than one year17€11k€3k▼
Financial debts170/4€11k€3k▼
Amounts payable within one year42/48€121k€249k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€50-
Suppliers440/4€50-
Taxes, remuneration and social security45€32k€43k▲
Taxes450/3€28k€43k▲
Remuneration and social security454/9€4k-
Other amounts payable47/48€81k€198k▲
Accrued charges and deferred income492/3€68k€33k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼
Other operating charges640/8€734€471▼
Gross operating margin9900€229k€329k▲
Operating profit (loss)9901€216k€318k▲
Financial income75/76B€353€351▼
Recurring financial income75€353€351▼
Financial charges65/66B€1k€988▼
Recurring financial charges65€1k€988▼
Profit (loss) for the period before taxes9903€216k€317k▲
Income taxes67/77€56k€81k▲
Profit (loss) for the period9904€160k€237k▲
Profit (loss) for the period to be appropriated9905€160k€237k▲
Appropriation of the result
Profit (loss) to be appropriated9906€160k€237k▲
Transfer to equity691/2€60k-
To other reserves6921€60k-
Profit to be distributed694/7€100k€237k▲
Return on contributions (dividend)694€100k€237k▲
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Highest result since 2018net €237k ▲48.1%
Operating result €318k, net result €237k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 6.92
Current ratio from 2.93 to 6.92; short-term debt falls from €34k to €28k.
31-12
Financial
Equity above €150kEq €190k ▲65.6%
3 profitable years in a row build equity to €190k.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Charleroi · 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 Tourette 596000 CharleroiGround area
302 m²
Building footprint
118 m²
Volume, LiDAR
830 m³
Parcel 52302A0488/00P009, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Tourette 59, 6000 Charleroi
since 20132.224.961.056
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52302A0488/00P009 | Wallonia | 302 m² | 1 · 118 m² | 9.0 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
Founded02-08-2013
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.