DOKTER ESSEL
ActiveSummary
DOKTER ESSEL has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €773k and a net result of €96k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 78% of 16618 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▼-4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 6.15 against 5.36 in 2024; short-term debt: 13.4% and cash: 16.7% of total assets), and 13.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
86.6%
Return on assets
10.8%
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
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
12 d late
2022
4 d early
2021
3 d early
2020
2 d early
2019
3 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€773k▼ 2.4%
2024 · €793k
2018: €525klowest in 8 years
2019: €639k▲ +21.7% vs 2018
2020: €700k▲ +9.5% vs 2019
2021: €732k▲ +4.5% vs 2020
2022: €723k▼ -1.2% vs 2021
2023: €756k▲ +4.6% vs 2022
2024: €793k▲ +4.9% vs 2023highest in 8 years
2025: €773k▼ -2.4% vs 2024
2018 → 2025
Total assets
€893k▼ 4.3%
2024 · €933k
2018: €805klowest in 8 years
2019: €892k▲ +10.7% vs 2018
2020: €1.02M▲ +14.5% vs 2019highest in 8 years
2021: €1.00M▼ -1.8% vs 2020
2022: €906k▼ -9.6% vs 2021
2023: €850k▼ -6.1% vs 2022
2024: €933k▲ +9.7% vs 2023
2025: €893k▼ -4.3% vs 2024
2018 → 2025
Net result
€96k▼ 24.7%
2024 · €128k
2018: €91klowest in 8 years
2019: €116k▲ +27.0% vs 2018
2020: €131k▲ +13.2% vs 2019highest in 8 years
2021: €127k▼ -2.6% vs 2020
2022: €100k▼ -21.7% vs 2021
2023: €97k▼ -2.5% vs 2022
2024: €128k▲ +31.4% vs 2023
2025: €96k▼ -24.7% vs 2024
2018 → 2025
Working capital
€616k▲ 0.9%
2024 · €611k
2018: €255klowest in 8 years
2019: €369k▲ +44.2% vs 2018
2020: €398k▲ +8.1% vs 2019
2021: €460k▲ +15.6% vs 2020
2022: €483k▲ +4.9% vs 2021
2023: €545k▲ +12.9% vs 2022
2024: €611k▲ +12.1% vs 2023
2025: €616k▲ +0.9% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€732k-€723k▼ 1.2%€756k▲ 4.6%€793k▲ 4.9%€773k▼ 2.4%
2021: €732k
2022: €723k▼ -1.2% vs 2021lowest in 5 years
2023: €756k▲ +4.6% vs 2022
2024: €793k▲ +4.9% vs 2023highest in 5 years
2025: €773k▼ -2.4% vs 2024
Operating result€190k-€141k▼ 26.0%€150k▲ 6.6%€140k▼ 6.7%€138k▼ 1.4%
2021: €190khighest in 5 years
2022: €141k▼ -26.0% vs 2021
2023: €150k▲ +6.6% vs 2022
2024: €140k▼ -6.7% vs 2023
2025: €138k▼ -1.4% vs 2024lowest in 5 years
Net result€127k-€100k▼ 21.7%€97k▼ 2.5%€128k▲ 31.4%€96k▼ 24.7%
2021: €127k
2022: €100k▼ -21.7% vs 2021
2023: €97k▼ -2.5% vs 2022
2024: €128k▲ +31.4% vs 2023highest in 5 years
2025: €96k▼ -24.7% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 1% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €893k
Fixed assets
€158k ▼ 13.5%
Current assets
€736k ▼ 2.0%
Equity and liabilities €893k
Equity
€773k ▼ 2.4%
Debt
€120k ▼ 14.7%
Debt's share of the balance-sheet total falls from 15.0% to 13.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€170k▼
2024 · €173k
Cash flow
€128k▼
2024 · €161k
Current ratio
6.15▲
2024 · 5.36
Debt to equity
0.15▼
2024 · 0.18
ROE
12.4%▼
2024 · 16.1%
ROA
10.8%▼
2024 · 13.7%
Interest coverage
115.45▲
2024 · 20.15
Debt ≤ 1 year
€120k▼
2024 · €140k
Income taxes
€47k▼
2024 · €49k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€933k€893k▼
Fixed assets21/28€182k€158k▼
Tangible fixed assets22/27€182k€158k▼
Land and buildings22€162k€150k▼
Plant, machinery and equipment23€945€609▼
Furniture and vehicles24€12k€1k▼
Other tangible fixed assets26€7k€6k▼
Current assets29/58€751k€736k▼
Amounts receivable within one year40/41€39k€39k▲
Trade receivables40€82€4k▲
Other amounts receivable41€39k€35k▼
Current investments50/53€492k€547k▲
Cash at bank and in hand54/58€220k€149k▼
Deferred charges and accrued income490/1€757€667▼
Equity and liabilities
Total equity and liabilities10/49€933k€893k▼
Equity10/15€793k€773k▼
Contributions10/11€12k€12k=
Reserves13€780k€761k▼
Distributable reserves133€780k€761k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€140k€120k▼
Amounts payable within one year42/48€140k€120k▼
Current portion of amounts payable after more than one year42€3k€0▼
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€2k€0▼
Taxes450/3€2k€0▼
Other amounts payable47/48€129k€117k▼
Accrued charges and deferred income492/3€66€67▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€31k▼
Other operating charges640/8€4k€3k▼
Non-recurring operating charges66A-€200
Gross operating margin9900€177k€173k▼
Operating profit (loss)9901€140k€138k▼
Financial income75/76B€45k€6k▼
Recurring financial income75€45k€6k▼
Financial charges65/66B€9k€1k▼
Recurring financial charges65€9k€1k▼
Profit (loss) for the period before taxes9903€177k€143k▼
Income taxes67/77€49k€47k▼
Profit (loss) for the period9904€128k€96k▼
Profit (loss) for the period to be appropriated9905€128k€96k▼
Appropriation of the result
Profit (loss) to be appropriated9906€128k€96k▼
Transfer from equity791/2€91k€116k▲
Transfer to equity691/2€128k€96k▼
To other reserves6921€128k€96k▼
Profit to be distributed694/7€91k€116k▲
Return on contributions (dividend)694€91k€116k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €36k | €35k | €35k | €33k | €31k | ▼ 5.3% |
| Other operating charges640/8 | €4k | €4k | €4k | €4k | €3k | ▼ 12.0% |
| Non-recurring operating charges66A | - | - | - | - | €200 | - |
| Gross operating margin9900 | €230k | €180k | €189k | €177k | €173k | ▼ 2.3% |
| Operating profit (loss)9901 | €190k | €141k | €150k | €140k | €138k | ▼ 1.4% |
| Financial income75/76B | €6k | €9k | €5k | €45k | €6k | ▼ 86.0% |
| Recurring financial income75 | €6k | €9k | €5k | €45k | €6k | ▼ 86.0% |
| Financial charges65/66B | €14k | €9k | €10k | €9k | €1k | ▼ 82.9% |
| Recurring financial charges65 | €14k | €9k | €10k | €9k | €1k | ▼ 82.9% |
| Profit (loss) for the period before taxes9903 | €183k | €141k | €145k | €177k | €143k | ▼ 19.1% |
| Income taxes67/77 | €55k | €41k | €48k | €49k | €47k | ▼ 4.3% |
| Profit (loss) for the period9904 | €127k | €100k | €97k | €128k | €96k | ▼ 24.7% |
| Profit (loss) for the period to be appropriated9905 | €127k | €100k | €97k | €128k | €96k | ▼ 24.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.00M | €906k | €850k | €933k | €893k | ▼ 4.3% |
| Fixed assets21/28 | €283k | €247k | €214k | €182k | €158k | ▼ 13.5% |
| Tangible fixed assets22/27 | €280k | €245k | €214k | €182k | €158k | ▼ 13.5% |
| Land and buildings22 | €221k | €201k | €181k | €162k | €150k | ▼ 7.8% |
| Plant, machinery and equipment23 | €2k | €1k | €469 | €945 | €609 | ▼ 35.6% |
| Furniture and vehicles24 | €49k | €36k | €25k | €12k | €1k | ▼ 90.6% |
| Other tangible fixed assets26 | €8k | €7k | €8k | €7k | €6k | ▼ 12.3% |
| Financial fixed assets28 | €3k | €3k | - | - | - | - |
| Current assets29/58 | €719k | €659k | €636k | €751k | €736k | ▼ 2.0% |
| Amounts receivable within one year40/41 | €24k | €52k | €69k | €39k | €39k | ▲ 1.0% |
| Trade receivables40 | €354 | €4k | €133 | €82 | €4k | ▲ 5,146% |
| Other amounts receivable41 | €24k | €49k | €69k | €39k | €35k | ▼ 9.9% |
| Current investments50/53 | €362k | €428k | €490k | €492k | €547k | ▲ 11.2% |
| Cash at bank and in hand54/58 | €333k | €178k | €76k | €220k | €149k | ▼ 32.3% |
| Deferred charges and accrued income490/1 | €604 | €627 | €603 | €757 | €667 | ▼ 11.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.00M | €906k | €850k | €933k | €893k | ▼ 4.3% |
| Equity10/15 | €732k | €723k | €756k | €793k | €773k | ▼ 2.4% |
| Contributions10/11 | €12k | €12k | €12k | €12k | €12k | = |
| Reserves13 | €719k | €710k | €744k | €780k | €761k | ▼ 2.5% |
| Distributable reserves133 | €719k | €710k | €744k | €780k | €761k | ▼ 2.5% |
| Profit (loss) carried forward14 | - | - | - | - | €0 | - |
| Amounts payable17/49 | €271k | €183k | €94k | €140k | €120k | ▼ 14.7% |
| Amounts payable after more than one year17 | €11k | €7k | €3k | - | - | - |
| Financial debts170/4 | €11k | €7k | €3k | - | - | - |
| Amounts payable within one year42/48 | €259k | €176k | €91k | €140k | €120k | ▼ 14.7% |
| Current portion of amounts payable after more than one year42 | €4k | €4k | €4k | €3k | €0 | ▼ 100% |
| Trade debts44 | €3k | €2k | €4k | €5k | €2k | ▼ 61.3% |
| Suppliers440/4 | €3k | €2k | €4k | €5k | €2k | ▼ 61.3% |
| Taxes, remuneration and social security45 | €8k | €2k | €2k | €2k | €0 | ▼ 100% |
| Taxes450/3 | €8k | €2k | €2k | €2k | €0 | ▼ 100% |
| Other amounts payable47/48 | €245k | €168k | €80k | €129k | €117k | ▼ 9.1% |
| Accrued charges and deferred income492/3 | - | - | €64 | €66 | €67 | ▲ 2.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €127k | €100k | €97k | €128k | €96k | ▼ 24.7% |
| + Depreciation and write-downs630 | €36k | €35k | €35k | €33k | €31k | ▼ 5.3% |
| Operating cash flow (approximation) | €163k | €135k | €132k | €161k | €128k | ▼ 20.7% |
| Investment in fixed assets (approximation) | - | €0 | €-2k | €-784 | €-7k | ▼ 769% |
| Change in cash | - | €-155k | €-101k | €143k | €-71k | ▼ 149% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €131k ▲13.2%
Net result €131k, the highest in the series.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Wervik · 1 establishment unit since 2016
Ground area
927 m²
Building footprint
362 m²
Volume, LiDAR
2,458 m³
2 parcels, Flanders · tallest building 13.9 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Artsenpraktijk De Speye
since 20162.255.159.037
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33029C0800/00S000 | Flanders | 486 m² | 1 · 203 m² | 12.4 m · 1 fl. |
| 33029C0796/00D000 | Flanders | 441 m² | 1 · 159 m² | 13.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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Hasselt · Eq €773,435
MEDISART
BE 0473.739.288
Fosses-la-Ville · Eq €773,171
BRUSSELSE HUISARTSENKRING
BE 0419.649.912
Brussel · Eq €772,903
DOKTER VEERLE VAN RAEMDONCK
BE 0888.364.404
Schoten · Eq €774,082
DRS VANDRIESSCHE-BUYS
BE 0888.162.880
Aalst · Eq €772,421
Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 4,447 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-01-2009
Fiscal year end31-12
Activities, NACEBEL 2025
86210General medical practice
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.