Docteur Marion HAMBUCKERS
ActiveSummary
The computed 12-month bankruptcy probability of Docteur Marion HAMBUCKERS is 2.5% (moderate). The 2025 annual accounts show equity of €151k and a net result of €56k. Equity is growing by ~71.1% per year across the filed fiscal years. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+6
Growth78=
Track record82
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days only on tighter terms
Liquidity ample (current ratio 4.05 against 3.43 in 2024; short-term debt: 22.8% and cash: 82.5% of total assets), and 22.8% 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
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
77.2%
Return on assets
28.7%
Age of the figures
9 mo
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 20-07-2026, 11 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
11 d early
2024
16 d early
2023
20 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
€151k▲ 59.2%
2024 · €95k
2023: €16k
2024: €95k
2023 → 2025
Total assets
€196k▲ 42.9%
2024 · €137k
2023: €49k
2024: €137k
2023 → 2025
Net result
€56k▼ 28.6%
2024 · €79k
2023: €14k
2024: €79k
2023 → 2025
Working capital
€136k▲ 64.7%
2024 · €83k
2023: €7k
2024: €83k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€16k-€95k▲ 486%€151k▲ 59.2%
Operating result€18k-€101k▲ 472%€71k▼ 29.5%
Net result€14k-€79k▲ 474%€56k▼ 28.6%
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 2025; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €196k
Fixed assets
€15k ▼ 25.5%
Current assets
€181k ▲ 54.8%
Equity and liabilities €196k
Equity
€151k ▲ 59.2%
Debt
€45k ▲ 6.1%
Debt's share of the balance-sheet total falls from 30.7% to 22.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€77k▼
2024 · €107k
Cash flow
€61k▼
2024 · €84k
Current ratio
4.05▲
2024 · 3.43
Debt to equity
0.29▼
2024 · 0.44
ROE
37.2%▼
2024 · 82.9%
ROA
28.7%▼
2024 · 57.5%
Interest coverage
124.88▲
2024 · 110.52
Debt ≤ 1 year
€45k▲
2024 · €34k
Income taxes
€16k▼
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€137k€196k▲
Fixed assets21/28€20k€15k▼
Tangible fixed assets22/27€20k€15k▼
Furniture and vehicles24€20k€15k▼
Current assets29/58€117k€181k▲
Current investments50/53-€2k
Cash at bank and in hand54/58€99k€162k▲
Deferred charges and accrued income490/1€18k€17k▼
Equity and liabilities
Total equity and liabilities10/49€137k€196k▲
Equity10/15€95k€151k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€93k€149k▲
Amounts payable17/49€42k€45k▲
Amounts payable after more than one year17€8k-
Financial debts170/4€8k-
Amounts payable within one year42/48€34k€45k▲
Current portion of amounts payable after more than one year42€8k€8k▼
Trade debts44€433€108▼
Suppliers440/4€433€108▼
Taxes, remuneration and social security45€24k€36k▲
Taxes450/3€21k€36k▲
Remuneration and social security454/9€3k-
Other amounts payable47/48€1k€739▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€330€153▼
Gross operating margin9900€107k€77k▼
Operating profit (loss)9901€101k€71k▼
Financial income75/76B€149€1k▲
Recurring financial income75€149€1k▲
Financial charges65/66B€965€614▼
Recurring financial charges65€965€614▼
Profit (loss) for the period before taxes9903€101k€72k▼
Income taxes67/77€22k€16k▼
Profit (loss) for the period9904€79k€56k▼
Profit (loss) for the period to be appropriated9905€79k€56k▼
Appropriation of the result
Profit (loss) to be appropriated9906€93k€149k▲
Profit (loss) brought forward from the previous period14P€14k€93k▲
The notes to these accounts (4 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €151k ▲59.2%
3 profitable years in a row build equity to €151k.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €79k ▲474%
Operating result €101k, net result €79k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.43
Current ratio from 1.42 to 3.43.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Verviers · 1 establishment unit since 2023
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 des Peupliers 134800 VerviersGround area
1,073 m²
Building footprint
94 m²
Volume, LiDAR
614 m³
Parcel 63576A0360/00G003, Wallonia · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Docteur Marion HAMBUCKERS
since 20232.351.423.025
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63576A0360/00G003 | Wallonia | 1,073 m² | 1 · 94 m² | 9.3 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
Founded18-10-2023
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.