DR. DAPHNE ARNOLD
ActiveDR. DAPHNE ARNOLD has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €353k and a net result of €111k. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 22% of 19905 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability81▼-3
Solvency56▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 2.25 in 2023; short-term debt: 14.4% and cash: 5.8% of total assets), but 68.7% 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 →
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 19905 sector peers (2024).
NBB · sector comparisonPosition among 19905 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-09-2025, 40 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
40 d late
2023
35 d early
2022
47 d early
2021
19 d early
2020
39 d early
2019
39 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€353k▲ 9.7%
2023 · €322k
2018: €213k
2019: €279k
2020: €335k
2021: €411k
2022: €289k
2023: €322k
2018 → 2024
Total assets
€1.13M▲ 3.0%
2023 · €1.09M
2018: €433k
2019: €547k
2020: €875k
2021: €1.21M
2022: €1.13M
2023: €1.09M
2018 → 2024
Net result
€111k▼ 16.1%
2023 · €132k
2018: €18k
2019: €106k
2020: €79k
2021: €135k
2022: €87k
2023: €132k
2018 → 2024
Working capital
€182k▼ 8.4%
2023 · €199k
2018: €184k
2019: €234k
2020: €281k
2021: €298k
2022: €202k
2023: €199k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€335k-€411k▲ 22.7%€289k▼ 29.6%€322k▲ 11.2%€353k▲ 9.7%
Operating result€103k-€182k▲ 77.5%€120k▼ 34.2%€185k▲ 54.3%€159k▼ 14.1%
Net result€79k-€135k▲ 70.2%€87k▼ 35.4%€132k▲ 52.1%€111k▼ 16.1%
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 2024; 2024 is 14% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.13M
Fixed assets
€782k▲ 6.4%
Current assets
€344k▼ 4.1%
Equity and liabilities €1.13M
Equity
€353k▲ 9.7%
Debt
€773k▲ 0.2%
The debt ratio falls from 70.6% to 68.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€207k▼
2023 · €214k
Cash flow
€160k▼
2023 · €162k
Solvency
31.3%▲
2023 · 29.4%
Current ratio
2.13▼
2023 · 2.25
Quick ratio
2.13▼
2023 · 2.25
Debt / equity
2.19▼
2023 · 2.40
ROE
31.5%▼
2023 · 41.2%
ROA
9.9%▼
2023 · 12.1%
Interest coverage
12.26▼
2023 · 18.86
Debt
€773k▲
2023 · €771k
Debt ≤ 1 year
€162k▲
2023 · €160k
Debt > 1 year
€611k▼
2023 · €612k
Income taxes
€32k▼
2023 · €42k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.09M€1.13M▲
Fixed assets21/28€735k€782k▲
Tangible fixed assets22/27€729k€776k▲
Land and buildings22€724k€695k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24-€77k
Financial fixed assets28€6k€6k▲
Current assets29/58€358k€344k▼
Amounts receivable within one year40/41€61k€70k▲
Other amounts receivable41€61k€70k▲
Current investments50/53€184k€206k▲
Cash at bank and in hand54/58€93k€65k▼
Deferred charges and accrued income490/1€20k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.09M€1.13M▲
Equity10/15€322k€353k▲
Contributions10/11€19k€19k=
Reserves13€171k€334k▲
Distributable reserves133€171k€334k▲
Profit (loss) carried forward14€132k-
Amounts payable17/49€771k€773k▲
Amounts payable after more than one year17€612k€611k▼
Financial debts170/4€612k€611k▼
Amounts payable within one year42/48€160k€162k▲
Current portion of amounts payable after more than one year42€61k€80k▲
Financial debts43€28-
Credit institutions430/8€28-
Trade debts44€6k€10k▲
Suppliers440/4€6k€10k▲
Taxes, remuneration and social security45€27k€827▼
Taxes450/3€27k€827▼
Other amounts payable47/48€65k€71k▲
Income statement
Code20232024
Non-recurring operating income76A-€8k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€48k▲
Other operating charges640/8€5k€8k▲
Gross operating margin9900€220k€215k▼
Operating profit (loss)9901€185k€159k▼
Financial income75/76B€999€1k▲
Recurring financial income75€999€1k▲
Financial charges65/66B€11k€17k▲
Recurring financial charges65€11k€17k▲
Profit (loss) for the period before taxes9903€174k€143k▼
Income taxes67/77€42k€32k▼
Profit (loss) for the period9904€132k€111k▼
Profit (loss) for the period to be appropriated9905€132k€111k▼
Appropriation of the result
Profit (loss) to be appropriated9906€220k€244k▲
Profit (loss) brought forward from the previous period14P€87k€132k▲
Transfer from equity791/2€100k€80k▼
Transfer to equity691/2€87k€244k▲
To other reserves6921€87k€244k▲
Profit to be distributed694/7€100k€80k▼
Return on contributions (dividend)694€100k€80k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
09-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 40 days late
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €135k ▲70.2%
Net result €135k, the highest in the series.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 39 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
29-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Schilde · 1 establishment unit since 2014
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.
De Nachtegaal 52970 SchildeGround area
2,481 m²
Building footprint
289 m²
Volume, LiDAR
1,870 m³
Parcel 11041C0135/00M000, Flanders · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dr. ARNOLD Daphne BV BVBA
since 20142.236.603.630
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041C0135/00M000 | Flanders | 2,481 m² | 1 · 289 m² | 12.0 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600JA1Z1FOMMSQ733
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Of 16,621 companies in sector 86220 we hold annual accounts for 7,972. 6,620 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-10-2014
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.