DOKTER PHILIPPE PERSOONS
ActiveDOKTER PHILIPPE PERSOONS has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €638k and a net result of €185k. Equity is growing by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 682 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
99
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+9
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 21.14 against 31.18 in 2024; short-term debt: 4.4% and cash: 74.2% of total assets), and 4.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 85
Relative position
BE, all sectors
reference
Sector 85
lower
← 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
95.6%
Return on assets
27.7%
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
55 d late
2022
31 d late
2021
31 d late
2020
5 d early
2019
3 d early
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€638k▼ 14.6%
2024 · €747k
2018: €271k
2019: €361k
2020: €437k
2021: €455k
2022: €571k
2023: €664k
2024: €747k
2018 → 2025
Total assets
€668k▼ 13.3%
2024 · €770k
2018: €322k
2019: €392k
2020: €470k
2021: €479k
2022: €616k
2023: €717k
2024: €770k
2018 → 2025
Net result
€185k▲ 32.0%
2024 · €140k
2018: €58k
2019: €90k
2020: €100k
2021: €105k
2022: €152k
2023: €135k
2024: €140k
2018 → 2025
Working capital
€596k▼ 13.2%
2024 · €686k
2018: €265k
2019: €357k
2020: €428k
2021: €443k
2022: €473k
2023: €588k
2024: €686k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€455k-€571k▲ 25.6%€664k▲ 16.3%€747k▲ 12.5%€638k▼ 14.6%
Operating result€149k-€216k▲ 44.6%€191k▼ 11.4%€197k▲ 2.8%€262k▲ 33.0%
Net result€105k-€152k▲ 44.2%€135k▼ 10.9%€140k▲ 3.7%€185k▲ 32.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 33% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €668k
Fixed assets
€42k▼ 30.9%
Current assets
€625k▼ 11.8%
Equity and liabilities €668k
Equity
€638k▼ 14.6%
Debt
€30k▲ 30.1%
The debt ratio rises from 3.0% to 4.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€281k▲
2024 · €216k
Cash flow
€204k▲
2024 · €159k
Solvency
95.6%▼
2024 · 97.0%
Current ratio
21.14▼
2024 · 31.18
Quick ratio
21.14▼
2024 · 31.18
Debt / equity
0.05▲
2024 · 0.03
ROE
29.0%▲
2024 · 18.7%
ROA
27.7%▲
2024 · 18.2%
Interest coverage
469.14▲
2024 · 444.59
Debt
€30k▲
2024 · €23k
Debt ≤ 1 year
€30k▲
2024 · €23k
Income taxes
€80k▲
2024 · €59k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€770k€668k▼
Fixed assets21/28€61k€42k▼
Tangible fixed assets22/27€61k€42k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€56k€38k▼
Other tangible fixed assets26€3k€2k▼
Current assets29/58€709k€625k▼
Amounts receivable within one year40/41€14k€28k▲
Trade receivables40€4k€1k▼
Other amounts receivable41€10k€27k▲
Cash at bank and in hand54/58€625k€496k▼
Deferred charges and accrued income490/1€70k€102k▲
Equity and liabilities
Total equity and liabilities10/49€770k€668k▼
Equity10/15€747k€638k▼
Contributions10/11€12k€12k=
Reserves13€731k€622k▼
Distributable reserves133€731k€622k▼
Profit (loss) carried forward14€3k€3k=
Amounts payable17/49€23k€30k▲
Amounts payable within one year42/48€23k€30k▲
Trade debts44€226€195▼
Suppliers440/4€226€195▼
Taxes, remuneration and social security45€23k€29k▲
Taxes450/3€19k€29k▲
Remuneration and social security454/9€4k€0▼
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k▼
Other operating charges640/8€387€1k▲
Gross operating margin9900€217k€282k▲
Operating profit (loss)9901€197k€262k▲
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€486€598▲
Recurring financial charges65€486€598▲
Profit (loss) for the period before taxes9903€199k€265k▲
Income taxes67/77€59k€80k▲
Profit (loss) for the period9904€140k€185k▲
Profit (loss) for the period to be appropriated9905€140k€185k▲
Appropriation of the result
Profit (loss) to be appropriated9906€143k€188k▲
Profit (loss) brought forward from the previous period14P€3k€3k▲
Transfer from equity791/2€57k€294k▲
Transfer to equity691/2€140k€185k▲
To other reserves6921€140k€185k▲
Profit to be distributed694/7€57k€294k▲
Return on contributions (dividend)694€57k€294k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €185k ▲32%
Operating result €262k, net result €185k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 31.18
Current ratio from 12.79 to 31.18; short-term debt falls from €50k to €23k.
24-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 55 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Equity above €500kEq €571k ▲25.6%
5 profitable years in a row build equity to €571k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Hoegaarden · 1 establishment unit since 2011
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.
Begijnenblokstraat 273320 HoegaardenGround area
1,383 m²
Building footprint
162 m²
Volume, LiDAR
1,397 m³
Parcel 24712B0200/00L000, Flanders · tallest building 12.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Begijnenblokstraat 27, 3320 Hoegaarden
since 20112.208.598.245
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24712B0200/00L000 | Flanders | 1,383 m² | 1 · 162 m² | 12.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 480 EUR awarded · 480 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 240 EUR |
| 2023 | 1 | 240 EUR | 240 EUR |
| 2022 | 1 | 240 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,670 companies in sector 85599 we hold annual accounts for 1,329. 665 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-11-2011
Fiscal year end31-12
Activities, NACEBEL
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.