Dr. Bart
ActiveSummary
Dr. Bart has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €168,888 and a net result of €67,736. Its solvency ranks better than 87% of 20,649 sector peers (NACE 86, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Activity
General medical practice
NACE 86210
1 site
Size
≈ €200,000turnover 2025, estimated
- Equity
- €168,888
- Profit
- €67,736
Turnover estimated from the gross margin
Why 98lowers riskSector: Human health activities (NACE 86)Liquidity: current ratio 12.26, cash €99,839Equity €168,888 (91.8% of total assets)Figures for financial year 2025 (filed 10-07-2026)Show the evidence
Checked score
Score 2025
98
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 85% of its sector peers (NACE 86, micro)
Financial strength · tick = 2024
Strong
Solvency
100=
equity 91.8% of total assets
Liquidity
100+9
short-term debt 8.2% · cash 54.3%
Profitability
100=
return on assets 36.8%
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).
Last 24 months
01-2025: 0.3%
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.4%▲ +0.1 percentage points vs 05-2025highest value
07-2025: 0.4%● unchanged vs 06-2025highest value
08-2025: < 0.1%▼ -0.4 percentage points vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged 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 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
Credit of up to €16,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity ample (current ratio 12.26, compared with 4.03 in 2024, above the usual 1.5; short-term debt: 8.2% and cash: 54.3% of total assets), and 8.2% 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 82% on solvency, 95% on liquidity, 80% on profitability and 84% on growth.
The bankruptcy probability was computed on 29-10-2026 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).
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.
lowers riskraises riskneutral
raises risk · Young company
Founded in 2023, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 10-07-2026, 21 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
21 days early
2024
6 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 14 days before the deadline; the sector median (NACE 86) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
30-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Liquidity triplescurrent ratio 12.26
- Equity above €150,000equity €168,888 ▲67%
Financials · financial year 2025, micro format
Turnover
≈ €200,000
Estimated: probably between €150,000 and €260,000
Total assets
€183,890▲ 36.7%
2024 · €134,516
Net result
€67,736▼ 25.7%
2024 · €91,152
Working capital
€168,888▲ 67.0%
2024 · €101,152
Trend over the years
2024 to 2025, 2 financial years
The operating result falls in 2025; 2025 is 26% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€88,213
2025
Net result€67,736
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€183,890
2025
Equity€168,888
2025
Debt€15,002
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€168,888
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)36.8%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency91.8%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio12.26
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 86, Human health activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. 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 financial year before
favourable
unfavourable
Line20242025
Operating result€118,781-€88,213▼ 25.7%
Net result€91,152within the sector's middle half-€67,736within the sector's middle half▼ 25.7%
Equity€101,152within the sector's middle half-€168,888within the sector's middle half▲ 67.0%
Total assets€134,516within the sector's middle half-€183,890within the sector's middle half▲ 36.7%
Debt€33,364-€15,002▼ 55.0%
Working capital€101,152within the sector's middle half-€168,888within the sector's middle half▲ 67.0%
Solvency75.2%within the sector's middle half-91.8%above the sector's middle half▲ 16.6pp
Current ratio4.03within the sector's middle half-12.26above the sector's middle half▲ 8.23
Return on assets (ROA)67.8%above the sector's middle half-36.8%within the sector's middle half▼ 30.9pp
above
within
below
the middle half of NACE 86, Human health activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €183,890
Equity
€168,888 ▲ 67.0%
Debt
€15,002 ▼ 55.0%
Debt's share of the balance-sheet total falls from 24.8% to 8.2%. Equity is higher and debt is lower.
Key figures and ratios
Debt to equity
0.09▼
2024 · 0.33
ROE
40.1%▼
2024 · 90.1%
Debt ≤ 1 year
€15,002▼
2024 · €33,364
Income taxes
€20,424▼
2024 · €27,502
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 95.9% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.8%
went bankrupt
2.3%
stopped otherwise
95.9%
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 497,445 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% | 0.9% |
| 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 74.5% 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 39,278 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.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Other operating charges640/8 | €1,780 | €528 | ▼ 70.4% |
| Gross operating margin9900 | €120,561 | €88,741 | ▼ 26.4% |
| Operating profit (loss)9901 | €118,781 | €88,213 | ▼ 25.7% |
| Financial income75/76B | €1 | €0 | ▼ 100% |
| Recurring financial income75 | €1 | €0 | ▼ 100% |
| Financial charges65/66B | €128 | €54 | ▼ 57.7% |
| Recurring financial charges65 | €128 | €54 | ▼ 57.7% |
| Profit (loss) for the period before taxes9903 | €118,654 | €88,159 | ▼ 25.7% |
| Income taxes67/77 | €27,502 | €20,424 | ▼ 25.7% |
| Profit (loss) for the period9904 | €91,152 | €67,736 | ▼ 25.7% |
| Profit (loss) for the period to be appropriated9905 | €91,152 | €67,736 | ▼ 25.7% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €134,516 | €183,890 | ▲ 36.7% |
| Current assets29/58 | €134,516 | €183,890 | ▲ 36.7% |
| Amounts receivable within one year40/41 | €56,277 | €65,370 | ▲ 16.2% |
| Trade receivables40 | - | €2,428 | - |
| Other amounts receivable41 | €56,277 | €62,942 | ▲ 11.8% |
| Cash at bank and in hand54/58 | €60,797 | €99,839 | ▲ 64.2% |
| Deferred charges and accrued income490/1 | €17,442 | €18,681 | ▲ 7.1% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €134,516 | €183,890 | ▲ 36.7% |
| Equity10/15 | €101,152 | €168,888 | ▲ 67.0% |
| Contributions10/11 | €10,000 | €10,000 | = |
| Profit (loss) carried forward14 | €91,152 | €158,888 | ▲ 74.3% |
| Amounts payable17/49 | €33,364 | €15,002 | ▼ 55.0% |
| Amounts payable within one year42/48 | €33,364 | €15,002 | ▼ 55.0% |
| Trade debts44 | €5,862 | €15,002 | ▲ 156% |
| Suppliers440/4 | €5,862 | €15,002 | ▲ 156% |
| Taxes, remuneration and social security45 | €27,502 | €0 | ▼ 100% |
| Taxes450/3 | €27,502 | €0 | ▼ 100% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €91,152 | €67,736 | ▼ 25.7% |
| Operating cash flow (approximation) | €91,152 | €67,736 | ▼ 25.7% |
| Change in cash | - | €39,042 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (2)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 10-07-2026 | 2026-00286752 |
| 31-12-2024 | micro format | 25-07-2025 | 2025-00318140 |
Similar companies · same sector, comparable size
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Grimbergen · equity €168,754
Dr Charlotte Doclot
BE 0765.194.396
Silly · equity €169,025
Dokter Maarten Avet, huisarts
BE 0737.494.067
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Dr. Ellen De Ceunynck
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Oud-Heverlee · equity €168,429
Of the 9,162 active companies whose main activity is general medical practice (NACE 86210), figures are known for 6,451. 5,532 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Subsidies and aid
Flemish government
2025 · 1 entry · €2,670 awarded · €2,670 paidPublic contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
1 director, 2 in day-to-day management, no change since 2024
Board 1
BOSSUYT Bart Edgard Maurice
CurrentDirector (not named in the articles) · since 02-01-2024
Day-to-day management 2
BOSSUYT Bart Edgard Maurice
CurrentManaging director · since 02-01-2024
VAN DE VELDE Gitta
CurrentManaging director · since 02-01-2024
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ.
See the directors and other office holders in the KBO →
Mandate history
2 people since 2024, 2 in office
- Board
- Day-to-day management
| Name | Functions and periods |
|---|---|
| BOSSUYT Bart Edgard Maurice |
|
| VAN DE VELDE Gitta |
|
Owners and capital
Capital and shareholders
Shareholders according to the deeds
At incorporation
act of 02-01-2024 ↗
- BOSSUYT Bart Edgard Maurice 1,000 shares (100%) · €10,000
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
Capital over the years
- 02-01-2024 Incorporation · 1,000 shares
Group and network
Connections & network
1 current directorThe board mandates are listed below; here you explore them as a network.
This company
Company
Director
Shareholding
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Board mandates elsewhere
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
History
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
10-07
NBB filing
Annual accounts filed
financial year 2025 · micro format
2025
31-12
Financial
Liquidity triplescurrent ratio 12.26
Current ratio from 4.03 to 12.26; short-term debt falls from €33,364 to €15,002.
31-12
Financial
Equity above €150,000equity €168,888 ▲67%
A profit in every financial year since 2024 builds equity to €168,888.
25-07
NBB filing
Annual accounts filed
financial year 2024 · micro format
2024
02-01
Gazette deed
IncorporationAppointments: BOSSUYT Bart Edgard Maurice (director) and VAN DE VELDE Gitta (managing director) · Founder · Founding capital8 facts ▸
Gazette deed
Incorporation
Appointments: BOSSUYT Bart Edgard Maurice (director) and VAN DE VELDE Gitta (managing director) · Founder · Founding capital8 facts ▸
- Incorporation, 28-12-2023
- Founder, BOSSUYT Bart Edgard Maurice
- Founding capital
- Director appointment, BOSSUYT Bart Edgard Maurice (director (not named in the articles))
- Director appointment, BOSSUYT Bart Edgard Maurice (managing director)
- Director appointment, VAN DE VELDE Gitta (managing director)
- Declaration, “alle taken wettelijk en deontologisch voorbehouden aan arts-aandeelhouders, onthouding niet-arts taken” (deed in Dutch)
- Pre-incorporation commitments, “takeover, alle verbintenissen,verplichtingen,activiteiten in naam en voor rekening vennootschap in oprichting” (deed in Dutch)
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
1 of 1 deed read
Register details
Identification
Legal formPrivate limited company
Founded28-12-2023
Financial year end31-12
Activities, NACEBEL 2025
86210General medical practice
E-invoicing
Reachable via Peppol
Peppol ID
0208:1004023937
Registered
10-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Kortrijk · 1 establishment unit since 2023
Ground area
1,715 m²
Building footprint
315 m²
Building volume
1,515 m³
Parcel 34001A0324/00V002, Flanders · tallest building 8.2 m. Linked by address, not a title deed.
1 establishment unit
Dr. Bart
since 2023unit no. 2.357.258.762
1 parcel
Flanders
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 34001A0324/00V002 | Flanders | 1,715 m² | 1 · 315 m² | 8.2 m · 2 |
How the parcels are linked
Good to know
The parcel matches the address exactly.
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “De uitoefening van de geneeskunde in het algemeen en van de geneeskunde met specialisatie huisarts in het bijzonder,dit door de…” (deed in Dutch)
17 activities (deed in Dutch)
- De uitoefening van de geneeskunde in het algemeen en van de geneeskunde met specialisatie huisarts in het bijzonder,dit door de geneesheer-aandeelhouder,in naam en voor rekening van de vennootschap,rekening houdend met de code van medische deontologie van de Orde der artsen
- De activiteiten van evaluerend arts en/of consultatiebureau-arts
- Het inrichten van algemene diensten en een medisch secretariaat in het bijzonder die nuttig of nodig zijn voor de uitoefening van voormelde activiteiten
- Het uitvoeren van studieopdrachten en deskundige opdrachten en coördinatie inzake geneeskunde
- Het verlenen van adviesdiensten aan farmaceutische,biotechnologische en medical devices bedrijven omvattende onder meer:het assisteren van medisch personeel bij de uitvoering van klinische studies en gebruik van medische toepassingen;het monitoren en coördineren van klinische studies;het opstellen van standaard procedures,het opzetten en optimaliseren van werkprocessen
- De studie en het bevorderen van de ontwikkeling van technologische innovaties in de geneeskunde,het daarmee gepaard gaande in licentie nemen of geven van brevetten,octrooien,knowhow en andere intellectuele rechten
- Het scheppen van de mogelijkheden om de arts toe te laten zich verder te bekwamen in voormelde medische disciplines,dit teneinde een kwalitatief hoogstaande praktijkuitoefening mogelijk te maken
- Het verstrekken van informatie en/of onderricht,het geven van lezingen,voordrachten,bijscholingen,trainingen,seminaries,wetenschappelijke bijeenkomsten,webinars evenals het publiceren van artikels,vakliteratuur inzake geneeskunde,alsmede de uitvoering van alle handelingen die rechtstreeks of onrechtstreeks hiermee verband houden
- Het verrichten van alle handelingen welke rechtstreeks of onrechtstreeks in verband staan met haar voorwerp en in overeenstemming zijn met de code van medische deontologie van de Orde der artsen
- Het aanschaffen,inrichten,ter beschikking stellen en onderhouden van alle ruimten en lokalen dienstig voor de uitoefening van de geneeskunde,met inbegrip van alle verrichtingen met betrekking tot alle hiervoor relevante onroerende goederen en onroerende zakelijke rechten
- Het aanschaffen,ter beschikking stellen en onderhouden van alle instrumenten,materialen,toestellen,apparatuur en andere hulpmiddelen dienstig voor de uitoefening van de geneeskunde
- Het aankopen,inrichten en ter beschikking stellen van een bibliotheek met alle vakliteratuur,documentatie en informatie op om het even welke gegevensdrager over medische onderwerpen die verband houden met de geneeskunde
- Administratie en managementactiviteiten betreffende alle vereiste materiële,immateriële en menselijke middelen die nodig of nuttig zijn voor de uitoefening van de geneeskunde
- Het verschaffen van alle logistieke,administratieve,boekhoudkundige,economische en financiële middelen die verband houden met de hoger beschreven activiteiten
- Het ontwikkelen en uitbaten van diverse(multi)mediatoepassingen,producten en diensten,audiovisuele,interactieve en andere toepassingen op alle huidige en toekomstige dragers en media in het kader van en met betrekking tot alle hoger vermelde activiteiten,met inbegrip van ontwerpen en beheren van websites,datanetwerken,hooggekwalificeerde softwareproducten,automatisatie-systemen en informaticaprojecten;in het algemeen,bouwen en onderhouden van netwerken voor gegevens-,beeld-,geluid-,spraak- en multimediatransport
- Het investeren en beleggen in(on)roerende goederen voor zover dit kadert binnen een normaal patrimoniumbeheer,het gebeurt op een niet-commerciële wijze,voor eigen rekening volgens het beheer van een goede huisvader en de verwezenlijking van haar voorwerp,zijnde het verlenen van diensten die behoren tot de uitoefening van het beroep van arts,dit rechtstreeks of onrechtstreeks bevorderen en hieraan ondergeschikt en bijkomstig zijn,dit zowel in België als het buitenland,zoals:het aanleggen,het oordeelkundig uitbouwen en beheren van een onroerend vermogen;alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten(blote eigendom,tréfonds,vruchtgebruik,recht van opstal,erfpacht,…);de aankoop,verkoop,beheer,uitbating,inrichting,huur en/of leasen,verhuur en andere diensten in verband met onroerend goed;de aan- en verkoop,huur en verhuur,leasen van medische apparatuur,roerende goederen,begeleidende accommodaties,inclusief gebouwen,kortom van een volledige materiële infrastructuur om deze ter beschikking te stellen van de arts;het verstrekken van leningen of voorschotten,hypothekeren of in het algemeen bezwaren van onroerende goederen en/of enig recht of belang in onroerende goederen;alsmede zich borg stellen voor het goede verloop van verbintenissen,door derde personen aangegaan,die het genot zouden hebben van voormelde roerende en onroerende goederen;het aanleggen,het oordeelkundig uitbouwen en beheren van een roerend vermogen
- Alle verrichtingen met betrekking tot roerende goederen en rechten van welke aard ook(blote eigendom,vruchtgebruik,….),zoals het verwerven door inbreng,inschrijving of aankoop,het beheren van aandelen,certificaten van aandelen,aandelenopties,obligaties,kasbons,afgeleide producten,winstbewijzen of andere roerende waarden in de meest ruime zin,van welke vorm ook,uitgegeven door Belgische of buitenlandse emittenten
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- Dr. Bart
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest” (deed in Dutch)“8511 Kortrijk(Aalbeke),Ledeganckstraat 56” (deed in Dutch)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Benoemd met of zonder beperking van duur, Artikel 10.Bestuursorgaan” (deed in Dutch)“Bestuursbevoegdheid, geheel van bevoegdheden” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- First Saturday of June at 15:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Vormen vereist voor statutenwijziging, ontbinding op elk moment” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- One provision in the deed