DOKTER LOIC SERMEUS

Active

Private limited companyfounded 2023active for 3 yearsLeeuwerikenlaan 61, 1800 Vilvoorde, BelgiumKBO/BCE: BE 0802.587.502

Summary

DOKTER LOIC SERMEUS has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €216,359 and a net result of €90,883. Its solvency ranks better than 53% of 211 sector peers (NACE 86, financial year 2026). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow Report Compare

DOKTER LOIC SERMEUSActiveChecked score 97/100

Risk analysis Report Compare

Activity

Specialist medical practice

NACE 86220

1 site

Size

€289,751total assets 2026

Staff: 1 FTE
Equity: €216,359
Profit: €90,883

Turnover not published (micro format)

Financial health

97 Excellent Checked score 2026

Bankruptcy probabilitywithin 12 months: < 0.1%

Structure

Accounts 25 days early0 of 1 deed read

Why 97lowers riskSector: Human health activities (NACE 86)Liquidity: current ratio 3.67, cash €243,564Size: total assets €289,751Equity €216,359 (74.7% of total assets)Show the evidence

Checked score

Score 2026

97 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 76% of its sector peers (NACE 86, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2025

Strong

Solvency 100+14

equity 74.7% of total assets

Liquidity 90+8

short-term debt 25.3% · cash 84.1%

Profitability 100=

return on assets 31.4%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (24,058 companies, NACE 86, micro)

Last 24 months 11-2024: 0.3% 12-2024: 0.4%▲ +0.1 percentage points vs 11-2024 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025 07-2025: 0.4%● unchanged vs 06-2025 08-2025: 0.4%● unchanged vs 07-2025 09-2025: 0.4%● unchanged vs 08-2025 10-2025: 0.5%▲ +0.1 percentage points vs 09-2025highest value 11-2025: < 0.1%▼ -0.5 percentage points vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026lowest value

Credit of up to €20,000 on 30-day terms is acceptable

Liquidity ample (current ratio 3.67, compared with 2.15 in 2025, above the usual 1.5; short-term debt: 25.3% and cash: 84.1% of total assets), and 25.3% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 (NACE 86, micro): better than 63% on solvency, 75% on liquidity, 80% on profitability and 85% on growth.

The bankruptcy probability was computed on 15-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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