DOCTEUR VDG · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of DOCTEUR VDG is 0.2% (very low). The 2024 annual accounts show equity of €86k and a net result of €46k. Equity is growing by ~93.4% per year across the filed fiscal years. Its solvency ranks better than 32% of 6573 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Growing equity

Equity grew over 2022-2024. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 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.

How we compute the deadline

The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	26-08-2025	26 d late	2025-00403667
31-12-2023	31-07-2024	21-08-2024	21 d late	2024-00355879
31-12-2022	31-07-2023	04-07-2023	27 d early	2023-00195398

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€46k+56.6%

Working capital€35k+1657.0%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 26-08-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~93.4%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 86, Human health · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	46.0%	66.7%	better than 32% of 6573 sector peers
Net result	€46k	€46k	better than 50% of 6567 sector peers
Equity	€86k	€79k	better than 52% of 6573 sector peers
Gross operating margin	€92k	€78k	better than 56% of 6575 sector peers
Total assets	€187k	€154k	better than 57% of 6576 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P32

Weakening position over 2022-2024 · n=3667-6573

Net result P50

Improving position over 2022-2024 · n=3665-6567

Equity P52

Improving position over 2022-2024 · n=3667-6573

Gross operating margin P56

Improving position over 2022-2024 · n=3663-6575

Describes the position versus peers, not a forecast.

EBITDA

€92k

+38.5% 22-24

Net profit

€46k

+56.6% 22-24

Cash flow

€75k

+53.2% 22-24

Total assets

€187k

+14.1% 22-24

Equity

€86k

+114.0% 22-24

Working capital

€35k

+1657.0% 22-24

Income taxes

€13k

-12.5% 22-24

Debt

€101k

-18.3% 22-24

Debt ≤ 1y

€33k

+7.2% 22-24

Debt > 1y

€66k

-27.0% 22-24

Current ratio

2.06

+93.3% 22-24

Quick ratio

2.06

+93.3% 22-24

Solvency

46.0%

+87.5% 22-24

Debt / equity

1.18

-61.8% 22-24

ROE

53.3%

-26.8% 22-24

ROA

24.5%

+37.2% 22-24

Interest coverage

17.77

-7.1% 22-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€92k
Net profit	€46k
Cash flow	€75k
Staff costs	-
Income taxes	€13k
Dividends	-
Total assets	€187k
Equity	€86k
Debt	€101k
of which ≤ 1y	€33k
of which > 1y	€66k
Working capital	€35k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	2.06
Quick ratio	2.06
Working capital ratio	18.8%
Solvency	46.0%
Debt / equity	1.18
Long-term debt ratio	0.77
Interest coverage	17.77
Gross margin	-
Net margin	-
ROA	24.5%
ROE	53.3%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €117k · 63.2% Current assets €68k · 36.8%

Equity & liabilities

Equity €86k · 46.0% Debt €101k · 54.0%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€187k
Fixed assets	21/28	€117k
Formation expenses	20	€1k
Intangible fixed assets	21	€17k
Tangible fixed assets	22/27	€71k
Financial fixed assets	28	€30k
Current assets	29/58	€68k
Amounts receivable within one year	40/41	€7k
Cash & bank	54/58	€51k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€187k
Equity	10/15	€86k
Contributions / capital	10/11	€3k
Reserves	13	€37k
Accumulated profits (losses)	14	€46k
Amounts payable	17/49	€101k
Amounts payable after one year	17	€66k
Amounts payable within one year	42/48	€33k
Trade debts payable within one year	44	€3k
Income statement
Gross operating margin	9900	€92k
Operating result	9901	€63k
Financial income	75	€227
Financial charges	65	€5k
Result before taxes	9903	€58k
Income taxes	67/77	€13k
Net result for the period	9904	€46k
Result to be appropriated	9905	€46k

You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

94 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Directors

Directors & mandates

1 director

Current directors & mandates

Amanda JARDON
Director
State Gazette act 25035992 (14-03-2025)

Current
12-02-2025 → present

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Activiteiten van huisartspraktijken(86210)
Legal form	Private limited company(610)
Incorporation	26-09-2022
Status	Active
Postal code	4610

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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 Derrière les Jardins 224610 Beyne-Heusay

Establishment units

1 location

DOCTEUR VDG

Rue Derrière les Jardins 22, 4610 Beyne-HeusayActiviteiten van huisartspraktijken

since 20222.336.971.906

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area262 m²

Buildings1

Building footprint40 m²

Volume (LiDAR)325 m³

Tallest building9.0 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62082A0173/00E000	Wallonia	262 m²	1 · 40 m²	9.0 m · 3 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

All acts · 1 updated 1 year ago

2025

14-03-2025 Amanda JARDON appointed as director Director changes

Amanda JARDON, Bestuurder

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

91 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 94

Profitability 100

Solvency 91

Growth 78

Stability 94

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