Equity
€141,531 ▲ 113%
Equity rose in 2025 from €66,517 to €141,531.
Docteur SAMRAY Eloïse
Lifetime
2 annual accounts with figures on one time axispeak €106,925 (2025)
€106,925▲ 18.6%
peak €75,014 (2025)
€75,014▲ 24.0%
peak €141,531 (2025)
€141,531▲ 113%
€94,994▲ 141%
Board1 name since 2023
1 directorSAMRAY Eloïse Thérèse Hilda
Documentsfilings and deeds
19-12-202543 days before the deadline
2025micro format
Gross margin from €90,175 to €106,925Registered office moved within Lierneux 05-09Equity from €66,517 to €141,531Debts from €39,458 to €94,994Cash from €95,099 to €185,515
Key points
from the 2025 annual accountsDebts
€94,994 ▲ 141%
Debts rose by €55,537 in 2025.
Investments
€37,557 7.0 × depreciation
Green is investment, beige is depreciation.
Checked score
85
Excellent
Financially stronger than 77% of micro companies without a NACE code
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.5%highest value
01-2025: 0.2%▼ -2.3 percentage points vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025lowest value
03-2025: 0.2%● unchanged vs 02-2025lowest value
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.8%▲ +0.6 percentage points vs 09-2025
11-2025: 1.0%▲ +0.2 percentage points vs 10-2025
12-2025: 1.1%▲ +0.1 percentage points vs 11-2025
01-2026: 0.3%▼ -0.8 percentage points vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.3%● unchanged vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.4%▲ +0.1 percentage points vs 09-2026
11-2026: 0.5%▲ +0.1 percentage points vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
Founded in 2023
lowers risk
Size: total assets €236,526
Liquidity: current ratio 2.15, cash €185,515
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 51% of them on solvency, 74% on liquidity, 90% on profitability and 93% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as Docteur SAMRAY Eloïse has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Docteur SAMRAY Eloïse itself: 0.5% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for Docteur SAMRAY Eloïse. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €12,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.15 (2.69 in 2024), above the usual 1.5. Short-term debt is 40.2% and cash 78.4% of total assets. 40.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-12-2025, 43 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
43 days early
2024
35 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 2 accounts on average 39 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end09-11-2026 today31-01-2027 deadline
Recent changes
Registered office moved within Lierneux
New registered office: Rue des Gros Thiers 15, 4990 LIERNEUX · Previous registered office: Brux 4, 4990 LIERNEUX · Gazette deed
Incorporation
Founding capital of €6,000, 60 shares · Founder: SAMRAY Eloïse Thérèse Hilda · Appointment: SAMRAY Eloïse Thérèse Hilda (director) · published on 08-09-2023 · Gazette deed
First establishment
Rue des Armées Américaines 6, Manhay
Official details
Source: KBO- Status
- Active since 06-09-2023Normal situation
- Activity
- “La société a pour objet l'exercice de la médecine générale par le ou les…” (deed in French)From the articles, 5 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.352.596.0326960 Manhay, since 06-09-2023
- Financial year end
- 30 June
- Peppol
- Not found in the Peppol Directory
Annual accounts to 30-06-2025
- ≈ €270,000estimated
- €236,526▲ 123%
- Filing
- Filed on 19-12-2025, 43 days before the end of the filing period
Insights on Docteur SAMRAY Eloïse
Docteur SAMRAY Eloïse has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €141,531 and a net result of €75,014.
The computed 12-month bankruptcy probability is 0.5% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Docteur SAMRAY Eloïse
- What is the company number of Docteur SAMRAY Eloïse?
- The company number of Docteur SAMRAY Eloïse is 0805.535.807. The VAT number is the same number with BE in front: BE 0805.535.807.
- Where is Docteur SAMRAY Eloïse based?
- The registered office is at Rue des Gros Thiers 15, 4990 Lierneux.Company details
- What is the legal form of Docteur SAMRAY Eloïse?
- Docteur SAMRAY Eloïse is a private limited company (BV).
- When was Docteur SAMRAY Eloïse founded?
- Docteur SAMRAY Eloïse was founded on 06-09-2023.
- Is Docteur SAMRAY Eloïse still active?
- Yes, Docteur SAMRAY Eloïse is an active enterprise in the KBO register.
- What is the turnover of Docteur SAMRAY Eloïse?
- The turnover in financial year 2025 is ≈ €270,000. This figure is estimated from the gross margin of €106,925 and 2,205 comparable companies of the same size. It probably lies between €180,000 and €410,000. It is a rough estimate.Financials
- Is Docteur SAMRAY Eloïse profitable?
- In financial year 2025, Docteur SAMRAY Eloïse made a profit of €75,014.
- Where can I find the annual accounts of Docteur SAMRAY Eloïse?
- Docteur SAMRAY Eloïse filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Docteur SAMRAY Eloïse due?
- Docteur SAMRAY Eloïse must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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