DR CLERMONT SEVERINE
ActiveSummary
DR CLERMONT SEVERINE has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €106k and a net result of €45k. Its solvency ranks better than 94% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52
Track record82
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days only on tighter terms
short-term debt: 0.1% and cash: 58.8% of total assets, and 3.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · Young company
A young company has little track record yet and statistically fails more often than an established 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
96.5%
Return on assets
40.9%
Age of the figures
9 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 10-07-2026, 21 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
21 d early
2024
6 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€106k▲ 60.3%
2024 · €66k
2024: €66k
2024 → 2025
Total assets
€110k▲ 43.1%
2024 · €77k
2024: €77k
2024 → 2025
Net result
€45k▼ 29.4%
2024 · €63k
2024: €63k
2024 → 2025
Working capital
€88k▲ 116%
2024 · €41k
2024: €41k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€66k-€106k▲ 60.3%
Operating result€88k-€58k▼ 34.2%
Net result€63k-€45k▼ 29.4%
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 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €110k
Fixed assets
€22k ▼ 22.8%
Current assets
€88k ▲ 81.8%
Equity and liabilities €110k
Equity
€106k ▲ 60.3%
Debt
€4k ▼ 63.9%
Debt's share of the balance-sheet total falls from 13.9% to 3.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€65k▼
2024 · €92k
Cash flow
€51k▼
2024 · €67k
Debt to equity
0.04▼
2024 · 0.16
ROE
42.3%▼
2024 · 96.2%
ROA
40.9%▼
2024 · 82.9%
Interest coverage
389.34▼
2024 · 546.06
Debt ≤ 1 year
€150▼
2024 · €8k
Income taxes
€14k▼
2024 · €25k
A ratio outside any meaningful range has been withheld (balance sheet total €110k, equity €106k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€77k€110k▲
Fixed assets21/28€28k€22k▼
Tangible fixed assets22/27€28k€22k▼
Furniture and vehicles24€28k€22k▼
Current assets29/58€48k€88k▲
Amounts receivable within one year40/41€794€18k▲
Trade receivables40€372-
Other amounts receivable41€422€18k▲
Cash at bank and in hand54/58€44k€64k▲
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€77k€110k▲
Equity10/15€66k€106k▲
Contributions10/11€3k€3k=
Reserves13€58k€68k▲
Distributable reserves133€58k€68k▲
Profit (loss) carried forward14€5k€36k▲
Amounts payable17/49€11k€4k▼
Amounts payable within one year42/48€8k€150▼
Taxes, remuneration and social security45€150€150=
Taxes450/3€150€150=
Other amounts payable47/48€8k-
Accrued charges and deferred income492/3€3k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€257€222▼
Gross operating margin9900€92k€65k▼
Operating profit (loss)9901€88k€58k▼
Financial income75/76B-€464
Recurring financial income75-€464
Financial charges65/66B€169€166▼
Recurring financial charges65€169€166▼
Profit (loss) for the period before taxes9903€88k€58k▼
Income taxes67/77€25k€14k▼
Profit (loss) for the period9904€63k€45k▼
Profit (loss) for the period to be appropriated9905€63k€45k▼
Appropriation of the result
Profit (loss) to be appropriated9906€63k€50k▼
Profit (loss) brought forward from the previous period14P-€5k
Transfer to equity691/2€58k€9k▼
To other reserves6921€58k€9k▼
Profit to be distributed694/7-€5k
Return on contributions (dividend)694-€5k
The notes to these accounts (4 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 93current ratio 584.95
Current ratio from 6.26 to 584.95; short-term debt falls from €8k to €150.
31-12
Financial
Equity above €100kEq €106k ▲60.3%
2 profitable years in a row build equity to €106k.
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 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, Bastogne · 1 establishment unit since 2024
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 Relais(Flamisoul) 166687 BastogneGround area
1,246 m²
Building footprint
177 m²
Volume, LiDAR
1,142 m³
Parcel 82016D0047/00E002, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DR CLERMONT SEVERINE
since 20242.355.339.152
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82016D0047/00E002 | Wallonia | 1,246 m² | 1 · 177 m² | 8.2 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 · 350 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 1 | 82 EUR |
| 2024 | 1 | 268 EUR |
Budget allocations
Incitants format.
Similar companies · same sector, comparable size
BRENI
BE 1001.226.080
Hasselt · Eq €105,753
Sylke Van Dierdonck, huisarts
BE 0801.553.758
Schaarbeek · Eq €105,753
DR. Wouter Cortens, Huisarts
BE 0803.728.835
Destelbergen · Eq €105,876
Cabinet Médical de Marie Dohet
BE 0778.673.339
Huy · Eq €105,649
CABINET MEDICAL DU DOCTEUR ERIC HERMAND
BE 1004.000.973
Mons · Eq €105,606
Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 5,310 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-01-2024
Fiscal year end31-12
Activities, NACEBEL 2025
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.