DR. ANN MORTIER
ActiveDR. ANN MORTIER has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €248k and a net result of €24k. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 69% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 5.12 against 4.21 in 2024; short-term debt: 19.2% and cash: 86.8% of total assets), and 19.9% 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
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
80.1%
Return on assets
7.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-12-2025, 40 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
40 d early
2024
39 d early
2023
43 d early
2022
42 d early
2021
42 d early
2020
26 d early
2019
39 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€248k▼ 8.0%
2024 · €269k
2019: €204k
2020: €250k
2021: €289k
2022: €308k
2023: €310k
2024: €269k
2019 → 2025
Total assets
€309k▼ 12.5%
2024 · €354k
2019: €224k
2020: €271k
2021: €319k
2022: €382k
2023: €375k
2024: €354k
2019 → 2025
Net result
€24k▲ 3.4%
2024 · €23k
2019: €64k
2020: €46k
2021: €79k
2022: €72k
2023: €36k
2024: €23k
2019 → 2025
Working capital
€244k▼ 6.5%
2024 · €261k
2019: €199k
2020: €248k
2021: €264k
2022: €289k
2023: €295k
2024: €261k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€289k-€308k▲ 6.3%€310k▲ 0.7%€269k▼ 13.0%€248k▼ 8.0%
Operating result€106k-€99k▼ 6.7%€54k▼ 45.6%€35k▼ 34.8%€39k▲ 9.8%
Net result€79k-€72k▼ 8.6%€36k▼ 50.2%€23k▼ 34.5%€24k▲ 3.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 10% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €309k
Fixed assets
€6k▼ 48.1%
Current assets
€304k▼ 11.4%
Equity and liabilities €309k
Equity
€248k▼ 8.0%
Debt
€62k▼ 27.1%
The debt ratio falls from 23.9% to 19.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€44k▲
2024 · €42k
Cash flow
€30k▼
2024 · €30k
Solvency
80.1%▲
2024 · 76.1%
Current ratio
5.12▲
2024 · 4.21
Quick ratio
5.12▲
2024 · 4.21
Debt / equity
0.25▼
2024 · 0.31
ROE
9.8%▲
2024 · 8.7%
ROA
7.8%▲
2024 · 6.6%
Interest coverage
18.62▼
2024 · 31.50
Debt
€62k▼
2024 · €84k
Debt ≤ 1 year
€59k▼
2024 · €82k
Income taxes
€13k▲
2024 · €12k
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€354k€309k▼
Fixed assets21/28€11k€6k▼
Tangible fixed assets22/27€11k€6k▼
Furniture and vehicles24€11k€6k▼
Current assets29/58€343k€304k▼
Amounts receivable within one year40/41€9k€2k▼
Other amounts receivable41€9k€2k▼
Current investments50/53-€29k
Cash at bank and in hand54/58€328k€269k▼
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€354k€309k▼
Equity10/15€269k€248k▼
Contributions10/11€12k€12k=
Reserves13€257k€236k▼
Distributable reserves133€257k€236k▼
Amounts payable17/49€84k€62k▼
Amounts payable within one year42/48€82k€59k▼
Financial debts43€7k€5k▼
Credit institutions430/8€7k€5k▼
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Other amounts payable47/48€72k€52k▼
Accrued charges and deferred income492/3€3k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€1k€4k▲
Gross operating margin9900€43k€48k▲
Operating profit (loss)9901€35k€39k▲
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€35k€37k▲
Income taxes67/77€12k€13k▲
Profit (loss) for the period9904€23k€24k▲
Profit (loss) for the period to be appropriated9905€23k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€24k▲
Transfer from equity791/2€64k€46k▼
Transfer to equity691/2€23k€24k▲
To other reserves6921€23k€24k▲
Profit to be distributed694/7€64k€46k▼
Return on contributions (dividend)694€64k€46k▼
The notes to these accounts (8 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
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Weakest financial yearnet €23k ▼34.5%
Net result drops to €23k, the lowest in the series; recovery starts the following year.
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Highest result since 2019net €79k ▲71.8%
Operating result €106k, net result €79k, both a record.
05-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
23-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
26-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
05-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
20-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Gavere · 1 establishment unit since 2018
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.
Scheldestraat 189890 GavereGround area
609 m²
Building footprint
357 m²
Volume, LiDAR
1,782 m³
Parcel 44020A0277/00R000, Flanders · tallest building 11.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DR ANN MORTIER
since 20182.287.595.441
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44020A0277/00R000 | Flanders | 609 m² | 1 · 357 m² | 11.1 m · 1 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.
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HUISARTS FRANCISKA DE SOMER
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DOCTEUR INES DE SOUSA
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DOCTEURS Ch. BAAR ET J. BAN
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Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 5,307 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-05-2008
Fiscal year end30-06
Activities, NACEBEL
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.