DR. BARBARA DECLERCQ
ActiveSummary
DR. BARBARA DECLERCQ has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1,644 and a net result of €191,157. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 17112 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
What they do
Specialist medical practice
NACE 86220
1 site
How big
€283,819total assets 2025
- Equity
- €1,644
- Profit
- €191,157
Turnover not published (abridged schema)
Who decides
Accounts 23 d early0 of 1 deed read
Why 71- Limited track record- Weak solvency vs sector+ Lower-failure-rate sector+ Annual accounts: healthy financial profile+ Growing equityLatest accounts filed on timeShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency26▲+1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
0.6%
Return on assets
67.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 17112 sector peers (2025).
NBB · sector comparisonPosition among 17112 sector peers
Solvency
better than 5%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €1,644
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 08-07-2026, 23 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
23 d early
2024
23 d early
2023
7 d early
2022
10 d early
2021
13 d early
2020
10 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 14 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 18 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · abbreviated…
Financials
Fiscal year 2025Total assets €283,819Profit €191,157Solvency 0.6%Liquidity 0.95
Total assets
€283,819▲ 25.5%
2020 - 2025
Net result
€191,157▲ 12.3%
2020 - 2025
Equity
€1,644▲ 238%
2020 - 2025
Solvency
0.6%▲ 0.4pp
2020 - 2025
Financials · fiscal year 2025, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€184,068▼ 27.9%€200,780▲ 9.1%€216,228▲ 7.7%€225,743▲ 4.4%€251,729▲ 11.5%
Net result€140,080within the sector's middle half▼ 28.2%€156,597within the sector's middle half▲ 11.8%€164,565within the sector's middle half▲ 5.1%€170,271above the sector's middle half▲ 3.5%€191,157above the sector's middle half▲ 12.3%
Equity€333,654within the sector's middle half▲ 71.7%€488,651within the sector's middle half▲ 46.5%€216below the sector's middle half▼ 100.0%€487below the sector's middle half▲ 126%€1,644below the sector's middle half▲ 238%
Total assets€374,559below the sector's middle half▲ 32.6%€551,205within the sector's middle half▲ 47.2%€297,979below the sector's middle half▼ 45.9%€226,222within the sector's middle half▼ 24.1%€283,819within the sector's middle half▲ 25.5%
Debt€40,905▼ 53.6%€62,554▲ 52.9%€297,763▲ 376%€225,735▼ 24.2%€282,174▲ 25.0%
Working capital€328,662within the sector's middle half▲ 76.9%€486,185within the sector's middle half▲ 47.9%-€13,150below the sector's middle half-€11,935below the sector's middle half▲ 9.2%-€13,013below the sector's middle half▼ 9.0%
Solvency89.1%above the sector's middle half▲ 20.3pp88.7%above the sector's middle half▼ 0.4pp0.1%below the sector's middle half▼ 88.6pp0.2%below the sector's middle half▲ 0.1pp0.6%below the sector's middle half▲ 0.4pp
Current ratio9.26above the sector's middle half▲ 6.158.77above the sector's middle half▼ 0.490.95below the sector's middle half▼ 7.820.94below the sector's middle half▼ 0.010.95below the sector's middle half▲ 0.01
Return on assets (ROA)37.4%above the sector's middle half▼ 31.6pp28.4%above the sector's middle half▼ 9.0pp55.2%above the sector's middle half▲ 26.8pp75.3%above the sector's middle half▲ 20.0pp67.4%above the sector's middle half▼ 7.9pp
above
within
below
the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 12% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €283,819
Fixed assets
€34,851 ▼ 19.7%
Current assets
€248,967 ▲ 36.2%
Equity and liabilities €283,819
Equity
€1,644 ▲ 238%
Debt
€282,174 ▲ 25.0%
Debt's share of the balance-sheet total falls from 99.8% to 99.4%. Equity and debt are higher.
Key figures and ratios
Key figures and ratios
EBITDA
€265,295▲
2024 · €237,015
Cash flow
€204,723▲
2024 · €181,543
Interest coverage
139.06▲
2024 · 94.49
Debt ≤ 1 year
€261,980▲
2024 · €194,775
Debt > 1 year
€20,194▼
2024 · €30,960
Income taxes
€58,664▲
2024 · €52,963
A ratio outside any meaningful range has been withheld (balance sheet total €283,819, equity €1,644).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,153 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
1.7%
went bankrupt
2.2%
stopped otherwise
96%
still going
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,153 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €3,273 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,605 | €3,642 | €4,936 | €11,272 | €13,566 | ▲ 20.4% |
| Other operating charges640/8 | €1,972 | €2,113 | €2,519 | €3,926 | €4,185 | ▲ 6.6% |
| Gross operating margin9900 | €189,646 | €206,534 | €223,683 | €240,941 | €269,480 | ▲ 11.8% |
| Operating profit (loss)9901 | €184,068 | €200,780 | €216,228 | €225,743 | €251,729 | ▲ 11.5% |
| Financial income75/76B | €0 | €1,596 | €1,596 | - | - | - |
| Recurring financial income75 | €0 | €1,596 | €1,596 | - | - | - |
| Financial charges65/66B | €1,211 | €135 | €1,769 | €2,508 | €1,908 | ▼ 23.9% |
| Recurring financial charges65 | €1,211 | €135 | €1,769 | €2,508 | €1,908 | ▼ 23.9% |
| Profit (loss) for the period before taxes9903 | €182,857 | €202,241 | €216,054 | €223,234 | €249,821 | ▲ 11.9% |
| Income taxes67/77 | €42,777 | €45,644 | €51,489 | €52,963 | €58,664 | ▲ 10.8% |
| Profit (loss) for the period9904 | €140,080 | €156,597 | €164,565 | €170,271 | €191,157 | ▲ 12.3% |
| Profit (loss) for the period to be appropriated9905 | €140,080 | €156,597 | €164,565 | €170,271 | €191,157 | ▲ 12.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €374,559 | €551,205 | €297,979 | €226,222 | €283,819 | ▲ 25.5% |
| Fixed assets21/28 | €6,107 | €2,466 | €54,654 | €43,382 | €34,851 | ▼ 19.7% |
| Tangible fixed assets22/27 | €6,107 | €2,466 | €54,654 | €43,382 | €34,851 | ▼ 19.7% |
| Plant, machinery and equipment23 | €847 | €539 | €4,076 | €3,845 | €3,076 | ▼ 20.0% |
| Furniture and vehicles24 | €5,260 | €1,927 | - | - | €3,279 | - |
| Leasing and similar rights25 | - | - | €50,578 | €39,537 | €28,496 | ▼ 27.9% |
| Current assets29/58 | €368,452 | €548,739 | €243,325 | €182,840 | €248,967 | ▲ 36.2% |
| Amounts receivable after more than one year29 | - | €120,000 | - | - | - | - |
| Other amounts receivable291 | - | €120,000 | - | - | - | - |
| Amounts receivable within one year40/41 | €2,000 | €6,356 | €12,011 | €10,037 | €1,500 | ▼ 85.1% |
| Other amounts receivable41 | €2,000 | €6,356 | €12,011 | €10,037 | €1,500 | ▼ 85.1% |
| Cash at bank and in hand54/58 | €186,498 | €264,126 | €117,382 | €48,034 | €116,107 | ▲ 142% |
| Deferred charges and accrued income490/1 | €179,954 | €158,257 | €113,933 | €124,769 | €131,360 | ▲ 5.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €374,559 | €551,205 | €297,979 | €226,222 | €283,819 | ▲ 25.5% |
| Equity10/15 | €333,654 | €488,651 | €216 | €487 | €1,644 | ▲ 238% |
| Contributions10/11 | €120 | €120 | €120 | €120 | €120 | = |
| Profit (loss) carried forward14 | €333,534 | €488,531 | €96 | €367 | €1,524 | ▲ 315% |
| Amounts payable17/49 | €40,905 | €62,554 | €297,763 | €225,735 | €282,174 | ▲ 25.0% |
| Amounts payable after more than one year17 | - | - | €41,288 | €30,960 | €20,194 | ▼ 34.8% |
| Financial debts170/4 | - | - | €41,288 | €30,960 | €20,194 | ▼ 34.8% |
| Amounts payable within one year42/48 | €39,790 | €62,554 | €256,475 | €194,775 | €261,980 | ▲ 34.5% |
| Current portion of amounts payable after more than one year42 | - | - | €9,909 | €10,329 | €10,766 | ▲ 4.2% |
| Trade debts44 | €31,758 | €2,995 | €2,650 | €3,446 | €31,438 | ▲ 812% |
| Suppliers440/4 | €31,758 | €2,995 | €2,650 | €3,446 | €31,438 | ▲ 812% |
| Taxes, remuneration and social security45 | €3,038 | €3,038 | €5,738 | €6,700 | €2,850 | ▼ 57.5% |
| Taxes450/3 | €3,038 | €3,038 | €5,738 | €6,700 | €2,850 | ▼ 57.5% |
| Other amounts payable47/48 | €4,995 | €56,522 | €238,179 | €174,301 | €216,926 | ▲ 24.5% |
| Accrued charges and deferred income492/3 | €1,115 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €140,080 | €156,597 | €164,565 | €170,271 | €191,157 | ▲ 12.3% |
| + Depreciation and write-downs630 | €3,605 | €3,642 | €4,936 | €11,272 | €13,566 | ▲ 20.4% |
| Operating cash flow (approximation) | €143,685 | €160,238 | €169,502 | €181,543 | €204,723 | ▲ 12.8% |
| Investment in fixed assets (approximation) | - | €0 | -€57,125 | €0 | -€5,035 | - |
| Change in cash | - | €77,628 | -€146,744 | -€69,348 | €68,073 | ▲ 198% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Of 16,631 companies in this sector we hold annual accounts for 7,992. 649 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
9 eventsLatest 08-07-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
21-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €140,080 ▼28.2%
Net result drops to €140,080, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 9.26
Current ratio from 3.11 to 9.26; short-term debt falls from €88,199 to €39,790.
31-12
Financial
Equity above €200,000Eq €333,654 ▲71.7%
2 profitable years in a row build equity to €333,654.
21-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Company details
Private limited company · founded 23-01-2020Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded23-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0741916277
Also
9925:BE0741916277
Registered
19-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Kortrijk · 1 establishment unit since 2020
Ground area
1,822 m²
Building footprint
208 m²
Volume, LiDAR
1,205 m³
Parcel 34022E1024/00H000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DR. BARBARA DECLERCQ
since 2020unit no. 2.300.343.221
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34022E1024/00H000 | Flanders | 1,822 m² | 1 · 208 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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