Dr. Capelle Lucile
ActiveDr. Capelle Lucile has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €187k and a net result of €75k. Equity is growing by ~46.9% per year across the filed fiscal years. Its solvency ranks better than 51% of 16408 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency99▲+24
Growth78▲+26
Stability94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 2.2 against 1.19 in 2024), and 35.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 →
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
64.2%
Return on assets
25.5%
Age of the figures
8 mo
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 · 4 filingsDeviation from the deadline
2025
1 d early
2024
3 d early
2023
30 d late
2022
30 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€187k▲ 66.1%
2024 · €113k
2022: €56k
2023: €78k
2024: €113k
2022 → 2025
Total assets
€292k▲ 23.3%
2024 · €237k
2022: €187k
2023: €203k
2024: €237k
2022 → 2025
Net result
€75k▲ 114%
2024 · €35k
2022: €48k
2023: €22k
2024: €35k
2022 → 2025
Working capital
€99k▲ 476%
2024 · €17k
2022: €-115k
2023: €-69k
2024: €17k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€56k-€78k▲ 38.5%€113k▲ 44.6%€187k▲ 66.1%
Operating result€62k-€28k▼ 54.3%€47k▲ 65.7%€94k▲ 101%
Net result€48k-€22k▼ 55.1%€35k▲ 60.6%€75k▲ 114%
Turnover and EBIT margin not published: the micro 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 101% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €292k
Fixed assets
€110k▼ 15.3%
Current assets
€182k▲ 70.3%
Equity and liabilities €292k
Equity
€187k▲ 66.1%
Debt
€105k▼ 15.7%
The debt ratio falls from 52.4% to 35.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€111k▲
2024 · €71k
Cash flow
€91k▲
2024 · €59k
Solvency
64.2%▲
2024 · 47.6%
Current ratio
2.20▲
2024 · 1.19
Quick ratio
2.20▲
2024 · 1.19
Debt / equity
0.56▼
2024 · 1.10
ROE
39.8%▲
2024 · 30.9%
ROA
25.5%▲
2024 · 14.7%
Interest coverage
63.31▲
2024 · 48.64
Debt
€105k▼
2024 · €124k
Debt ≤ 1 year
€83k▼
2024 · €90k
Debt > 1 year
€22k▼
2024 · €35k
Income taxes
€19k▲
2024 · €11k
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€237k€292k▲
Fixed assets21/28€130k€110k▼
Intangible fixed assets21€115k€100k▼
Tangible fixed assets22/27€15k€10k▼
Plant, machinery and equipment23€238€1k▲
Furniture and vehicles24€15k€6k▼
Other tangible fixed assets26-€3k
Current assets29/58€107k€182k▲
Amounts receivable within one year40/41€14k€19k▲
Trade receivables40€4k€8k▲
Other amounts receivable41€9k€11k▲
Current investments50/53€36k€13k▼
Cash at bank and in hand54/58€55k€145k▲
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€237k€292k▲
Equity10/15€113k€187k▲
Contributions10/11€8k€8k=
Profit (loss) carried forward14€105k€179k▲
Amounts payable17/49€124k€105k▼
Amounts payable after more than one year17€35k€22k▼
Financial debts170/4€35k€22k▼
Amounts payable within one year42/48€90k€83k▼
Current portion of amounts payable after more than one year42€11k€9k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€5k€5k▲
Taxes450/3€2k€2k=
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€72k€66k▼
Accrued charges and deferred income492/3€30€30▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€17k▼
Other operating charges640/8€728€824▲
Gross operating margin9900€72k€111k▲
Operating profit (loss)9901€47k€94k▲
Financial income75/76B€137€932▲
Recurring financial income75€137€932▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€45k€93k▲
Income taxes67/77€11k€19k▲
Profit (loss) for the period9904€35k€75k▲
Profit (loss) for the period to be appropriated9905€35k€75k▲
Appropriation of the result
Profit (loss) to be appropriated9906€105k€179k▲
Profit (loss) brought forward from the previous period14P€70k€105k▲
The notes to these accounts (14 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
31-12
Financial
Highest result since 2022net €75k ▲114%
Operating result €94k, net result €75k, both a record.
31-12
Financial
Equity above €150kEq €187k ▲66.1%
4 profitable years in a row build equity to €187k.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 1.19
Current ratio from 0.44 to 1.19; short-term debt falls from €125k to €90k.
31-12
Financial
Equity above €100kEq €113k ▲44.6%
3 profitable years in a row build equity to €113k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €22k ▼55.1%
Net result drops to €22k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Verlaine · 1 establishment unit since 2022
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.
Rue du Couvent(BOD) 74537 VerlaineGround area
1,109 m²
Building footprint
102 m²
Volume, LiDAR
701 m³
Parcel 61032B0277/00L000, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dr. Capelle Lucile
since 20222.347.952.504
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61032B0277/00L000 | Wallonia | 1,109 m² | 1 · 102 m² | 8.5 m · 2 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
Wallonia-Brussels Federation
2024 to 2025 · 2 entries · 161 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 1 | 82 EUR |
| 2024 | 1 | 79 EUR |
Budget allocations
Incitants format.
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Of 9,103 companies in sector 86210 we hold annual accounts for 6,324. 5,409 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2022
Fiscal year end31-12
Activities, NACEBEL
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.