DR. D. JAMAER
ActiveSummary
DR. D. JAMAER has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.21M and a net result of €184k. Equity is growing by ~22.8% per year across the filed fiscal years. Its solvency ranks better than 85% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 46.75 against 31.42 in 2024; short-term debt: 2% and cash: 38.9% of total assets), and 8.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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
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
91.2%
Return on assets
13.9%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 27-10-2025, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
1 d early
2023
24 d late
2022
on the day
2021
3 d late
2020
30 d late
2019
31 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.21M▲ 17.9%
2024 · €1.02M
2019: €278k
2020: €392k
2021: €543k
2022: €680k
2023: €849k
2024: €1.02M
2019 → 2025
Total assets
€1.33M▲ 13.2%
2024 · €1.17M
2019: €566k
2020: €679k
2021: €758k
2022: €868k
2023: €1.03M
2024: €1.17M
2019 → 2025
Net result
€184k▲ 4.5%
2024 · €176k
2019: €11k
2020: €114k
2021: €151k
2022: €137k
2023: €169k
2024: €176k
2019 → 2025
Working capital
€1.20M▲ 18.0%
2024 · €1.02M
2019: €319k
2020: €453k
2021: €597k
2022: €727k
2023: €853k
2024: €1.02M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€543k-€680k▲ 25.3%€849k▲ 24.8%€1.02M▲ 20.7%€1.21M▲ 17.9%
Operating result€223k-€213k▼ 4.4%€249k▲ 16.7%€257k▲ 3.4%€238k▼ 7.3%
Net result€151k-€137k▼ 9.4%€169k▲ 22.9%€176k▲ 4.2%€184k▲ 4.5%
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 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.33M
Fixed assets
€95k ▼ 18.9%
Current assets
€1.23M ▲ 16.8%
Equity and liabilities €1.33M
Equity
€1.21M ▲ 17.9%
Debt
€117k ▼ 20.1%
Debt's share of the balance-sheet total falls from 12.5% to 8.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€260k▼
2024 · €278k
Cash flow
€206k▲
2024 · €197k
Current ratio
46.75▲
2024 · 31.42
Debt to equity
0.10▼
2024 · 0.14
ROE
15.2%▼
2024 · 17.2%
ROA
13.9%▼
2024 · 15.0%
Interest coverage
169.83▲
2024 · 165.41
Debt ≤ 1 year
€26k▼
2024 · €34k
Debt > 1 year
€91k▼
2024 · €113k
Income taxes
€64k▼
2024 · €86k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.17M€1.33M▲
Fixed assets21/28€118k€95k▼
Tangible fixed assets22/27€118k€95k▼
Land and buildings22€93k€76k▼
Plant, machinery and equipment23€15k€13k▼
Furniture and vehicles24€9k€7k▼
Current assets29/58€1.05M€1.23M▲
Amounts receivable after more than one year29€160k€160k=
Trade receivables290€160k€160k=
Amounts receivable within one year40/41€20k€62k▲
Trade receivables40-€120
Other amounts receivable41€20k€62k▲
Current investments50/53€226k€461k▲
Cash at bank and in hand54/58€620k€515k▼
Deferred charges and accrued income490/1€27k€32k▲
Equity and liabilities
Total equity and liabilities10/49€1.17M€1.33M▲
Equity10/15€1.02M€1.21M▲
Contributions10/11€12k€12k=
Reserves13€1.01M€1.20M▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€1.01M€1.19M▲
Amounts payable17/49€146k€117k▼
Amounts payable after more than one year17€113k€91k▼
Financial debts170/4€113k€91k▼
Amounts payable within one year42/48€34k€26k▼
Current portion of amounts payable after more than one year42€22k€22k▲
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€5k-
Taxes450/3€5k-
Other amounts payable47/48€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€22k▲
Other operating charges640/8€5k€6k▲
Gross operating margin9900€283k€266k▼
Operating profit (loss)9901€257k€238k▼
Financial income75/76B€6k€11k▲
Recurring financial income75€6k€11k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€262k€247k▼
Income taxes67/77€86k€64k▼
Profit (loss) for the period9904€176k€184k▲
Profit (loss) for the period to be appropriated9905€176k€184k▲
Appropriation of the result
Profit (loss) to be appropriated9906€176k€184k▲
Transfer to equity691/2€176k€184k▲
To other reserves6921€176k€184k▲
The notes to these accounts (9 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
2025
27-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €184k ▲4.5%
Net result €184k, the highest in the series.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Equity above €1MEq €1.02M ▲20.7%
6 profitable years in a row build equity to €1.02M.
2023
24-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
31-03
Financial
Liquidity times 5current ratio 39.03
Current ratio from 7.82 to 39.03; short-term debt falls from €66k to €16k.
31-03
Financial
Equity above €500kEq €543k ▲38.6%
3 profitable years in a row build equity to €543k.
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
12-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 42 days late
2017
02-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
04-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Hasselt
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.
Langveldstraat 253500 HasseltGround area
1,926 m²
Building footprint
295 m²
Volume, LiDAR
1,491 m³
Parcel 71328D0309/00Z002, Flanders · tallest building 10.2 m, ±1 floor. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71328D0309/00Z002 | Flanders | 1,926 m² | 1 · 295 m² | 10.2 m · 1 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.
Similar companies · same sector, comparable size
Emmetropia
BE 0782.345.877
Heusden-Zolder · Eq €1,207,709
LEDOUX MEDICAL
BE 0818.180.152
Charleroi · Eq €1,207,372
Dr. VANDE VIJVER GEERT
BE 0865.117.561
Sint-Niklaas · Eq €1,209,249
Drs Namur-Marques
BE 0701.900.116
Liège · Eq €1,209,333
Dr. Lemahieu Nefrologie
BE 0893.501.840
Bierbeek · Eq €1,209,886
Of 16,627 companies in sector 86220 we hold annual accounts for 7,974. 5,508 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 (pre-2019)
Founded20-01-2003
Fiscal year end31-03
Activities, NACEBEL 2025
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.