Dokter Karen Bertheloot
ActiveSummary
Dokter Karen Bertheloot has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €46k and a net result of €41k. Its solvency ranks better than 37% of 19908 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency78
Growth-
Track record67
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 4.17; short-term debt: 17.7% and cash: 33.5% of total assets), and 46.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-08-2025, 12 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 · 1 filingDeviation from the deadline
2024
12 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€46k
Total assets
€87k
Net result
€41k
Working capital
€49k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €85k
Fixed assets
€21k
Current assets
€64k
Equity and liabilities €87k
Equity
€46k
Debt
€41k
Debt finances 46.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€58k
Cash flow
€43k
Current ratio
4.17
Debt to equity
0.88
ROE
89.2%
ROA
47.6%
Interest coverage
104.06
Debt ≤ 1 year
€15k
Debt > 1 year
€16k
Income taxes
€14k
Filed annual accounts As filed with the NBB · 2024 · 38 lines
Balance sheet
Code2024
Assets
Total assets20/58€87k
Formation expenses20€2k
Fixed assets21/28€21k
Intangible fixed assets21€10k
Tangible fixed assets22/27€11k
Plant, machinery and equipment23€6k
Furniture and vehicles24€5k
Current assets29/58€64k
Amounts receivable within one year40/41€34k
Trade receivables40€34k
Cash at bank and in hand54/58€29k
Deferred charges and accrued income490/1€857
Equity and liabilities
Total equity and liabilities10/49€87k
Equity10/15€46k
Contributions10/11€5k
Reserves13€41k
Distributable reserves133€41k
Amounts payable17/49€41k
Amounts payable after more than one year17€16k
Other amounts payable178/9€16k
Amounts payable within one year42/48€15k
Taxes, remuneration and social security45€15k
Taxes450/3€15k
Other amounts payable47/48€81
Accrued charges and deferred income492/3€9k
Income statement
Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k
Other operating charges640/8€387
Gross operating margin9900€58k
Operating profit (loss)9901€56k
Financial charges65/66B€554
Recurring financial charges65€554
Profit (loss) for the period before taxes9903€55k
Income taxes67/77€14k
Profit (loss) for the period9904€41k
Profit (loss) for the period to be appropriated9905€41k
Appropriation of the result
Profit (loss) to be appropriated9906€41k
Transfer to equity691/2€41k
To other reserves6921€41k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Leuven · 1 establishment unit since 2024
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.
Ziekelingenstraat 203000 LeuvenGround area
980 m²
Building footprint
714 m²
Volume, LiDAR
6,158 m³
2 parcels, Flanders · tallest building 15.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Dokter Karen Bertheloot
since 20242.365.031.432
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24482F0253/00K005 | Flanders | 559 m² | 1 · 598 m² | 13.9 m · 4 fl. |
| 24514A0139/00A031 | Flanders | 422 m² | 1 · 115 m² | 15.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
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
Cabinet OUAFIK
BE 1018.868.105
Liège · Eq €46,450
MASH MEDICAL
BE 0630.930.956
Sint-Pieters-Woluwe · Eq €46,460
Dokter Julie Biot, huisarts
BE 0803.266.896
Gent · Eq €46,472
CABINET MEDECINE GENERALE RUYSSEN CHARLOTTE
BE 0761.959.546
Profondeville · Eq €46,494
DOCTEUR GOFFIN CATHERINE
BE 0768.772.708
Watermaal-Bosvoorde · Eq €46,546
Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 4,514 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-2024
Fiscal year end31-12
Activities, NACEBEL 2025
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.