DR. B. VERHAERT
ActiveDR. B. VERHAERT has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €130k and a net result of €-619. Equity is shrinking by ~16.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 21% of 16527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-3
Solvency47▲+1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.36 against 2.01 in 2024; short-term debt: 38.2% and cash: 75% of total assets), but 77.7% 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+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 →
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 16527 sector peers (2025).
NBB · sector comparisonPosition among 16527 sector peers
Solvency
better than 21%
← weakest
strongest →
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
36 d early
2023
71 d early
2022
46 d early
2021
38 d early
2020
38 d early
2019
36 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, micro schema
Equity
€130k▼ 0.5%
2024 · €131k
2018: €595k
2019: €601k
2020: €634k
2021: €672k
2022: €365k
2023: €361k
2024: €131k
2018 → 2025
Total assets
€584k▼ 7.7%
2024 · €633k
2018: €1.33M
2019: €1.29M
2020: €877k
2021: €911k
2022: €665k
2023: €644k
2024: €633k
2018 → 2025
Net result
€-619
2024 · €16k
2018: €86k
2019: €6k
2020: €33k
2021: €38k
2022: €17k
2023: €-4k
2024: €16k
2018 → 2025
Working capital
€303k▲ 10.4%
2024 · €275k
2018: €723k
2019: €746k
2020: €790k
2021: €838k
2022: €425k
2023: €463k
2024: €275k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€672k-€365k▼ 45.6%€361k▼ 1.1%€131k▼ 63.8%€130k▼ 0.5%
Operating result€56k-€29k▼ 48.6%€-204€27k€227▼ 99.1%
Net result€38k-€17k▼ 53.6%€-4k€16k€-619
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 99% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €584k
Fixed assets
€58k▼ 33.6%
Current assets
€526k▼ 3.6%
Equity and liabilities €584k
Equity
€130k▼ 0.5%
Provisions
€231k=
Debt
€223k▼ 17.7%
The debt ratio falls from 42.8% to 38.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€43k▼
2024 · €69k
Cash flow
€43k▼
2024 · €58k
Solvency
22.3%▲
2024 · 20.6%
Current ratio
2.36▲
2024 · 2.01
Quick ratio
2.36▲
2024 · 2.01
Debt / equity
1.71▼
2024 · 2.07
ROE
-0.5%▼
2024 · 12.0%
ROA
-0.1%▼
2024 · 2.5%
Interest coverage
397.81▲
2024 · 27.68
Debt
€223k▼
2024 · €271k
Debt ≤ 1 year
€223k▼
2024 · €271k
Income taxes
€1k▼
2024 · €9k
Staff costs
€28k▲
2024 · €26k
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€633k€584k▼
Fixed assets21/28€87k€58k▼
Tangible fixed assets22/27€87k€58k▼
Land and buildings22€605€0▼
Plant, machinery and equipment23€2k€13k▲
Furniture and vehicles24€64k€36k▼
Other tangible fixed assets26€21k€9k▼
Current assets29/58€546k€526k▼
Amounts receivable within one year40/41€38k€47k▲
Trade receivables40€27k€33k▲
Other amounts receivable41€10k€14k▲
Current investments50/53€41k€41k=
Cash at bank and in hand54/58€467k€438k▼
Equity and liabilities
Total equity and liabilities10/49€633k€584k▼
Equity10/15€131k€130k▼
Contributions10/11€19k€19k=
Reserves13€112k€111k▼
Non-distributable reserves130/1€24k€24k=
Reserves not available under the articles1311€24k€24k=
Distributable reserves133€88k€87k▼
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€231k€231k=
Provisions for liabilities and charges160/5€231k€231k=
Pensions and similar obligations160€231k€231k=
Amounts payable17/49€271k€223k▼
Amounts payable within one year42/48€271k€223k▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€6k€10k▲
Taxes450/3€3k€6k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€263k€212k▼
Income statement
Code20242025
Remuneration, social security and pensions62€26k€28k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€43k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€97k€73k▼
Operating profit (loss)9901€27k€227▼
Financial income75/76B€160€376▲
Recurring financial income75€160€376▲
Financial charges65/66B€3k€109▼
Recurring financial charges65€3k€109▼
Profit (loss) for the period before taxes9903€24k€493▼
Income taxes67/77€9k€1k▼
Profit (loss) for the period9904€16k€-619▼
Profit (loss) for the period to be appropriated9905€16k€-619▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€-619▼
Profit (loss) brought forward from the previous period14P€-4k€0▲
Transfer from equity791/2€246k€619▼
Transfer to equity691/2€12k€0▼
To other reserves6921€12k€0▼
Profit to be distributed694/7€246k€0▼
Return on contributions (dividend)694€246k€0▼
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
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-4k ▼124%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity times 26current ratio 69.26
Current ratio from 2.62 to 69.26; short-term debt falls from €459k to €12k.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lier · 1 establishment unit since 1991
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.
Koning-Albertstraat 142500 LierGround area
356 m²
Building footprint
233 m²
Volume, LiDAR
2,111 m³
Parcel 12021G0809/00F000, Flanders · tallest building 14.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Koning-Albertstraat 14, 2500 Lier
since 19912.229.019.715
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12021G0809/00F000 | Flanders | 356 m² | 1 · 233 m² | 14.3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
CABINET MEDICAL DOCTEUR BEEHARRY
BE 0598.843.653
Soignies · Eq €130k
Dokter Sien Van Herck
BE 1001.418.595
Mechelen · Eq €130k
DKA
BE 0749.571.260
Harelbeke · Eq €130k
DOKTER THYS ELINE
BE 0778.895.746
Hasselt · Eq €130k
GEMAMEDIC
BE 0885.952.567
Sint-Pieters-Woluwe · Eq €130k
Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 5,426 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-11-1991
Fiscal year end31-12
Activities, NACEBEL
85120
86210General medical practice
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 34 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.