Dr. De Craene Sophie
ActiveSummary
Dr. De Craene Sophie has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €734k and a net result of €270k. Equity is growing by ~15.6% per year across the filed fiscal years. Its solvency ranks better than 71% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+1
Solvency100▲+12
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 7.1 against 3.33 in 2024; short-term debt: 12.9% and cash: 14.7% of total assets), and 18.4% 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+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 · 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
81.6%
Return on assets
30%
Age of the figures
9 mo
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
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 17-07-2026, 14 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
14 d early
2024
29 d late
2023
1 d late
2022
on the day
2021
19 d late
2020
23 d late
2019
68 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
€734k▲ 58.1%
2024 · €464k
2019: €308k
2020: €432k
2021: €512k
2022: €632k
2023: €778k
2024: €464k
2019 → 2025
Total assets
€900k▲ 22.2%
2024 · €736k
2019: €579k
2020: €695k
2021: €757k
2022: €835k
2023: €948k
2024: €736k
2019 → 2025
Net result
€270k▲ 52.0%
2024 · €177k
2019: €290k
2020: €123k
2021: €80k
2022: €120k
2023: €146k
2024: €177k
2019 → 2025
Working capital
€708k▲ 59.3%
2024 · €444k
2019: €79k
2020: €239k
2021: €522k
2022: €638k
2023: €804k
2024: €444k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€512k-€632k▲ 23.5%€778k▲ 23.1%€464k▼ 40.3%€734k▲ 58.1%
Operating result€104k-€159k▲ 52.9%€197k▲ 23.9%€249k▲ 26.0%€327k▲ 31.6%
Net result€80k-€120k▲ 50.7%€146k▲ 21.4%€177k▲ 21.5%€270k▲ 52.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 32% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €900k
Fixed assets
€76k ▼ 25.0%
Current assets
€824k ▲ 29.7%
Equity and liabilities €900k
Equity
€734k ▲ 58.1%
Debt
€165k ▼ 39.2%
Debt's share of the balance-sheet total falls from 36.9% to 18.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€353k▲
2024 · €274k
Cash flow
€295k▲
2024 · €203k
Current ratio
7.10▲
2024 · 3.33
Debt to equity
0.23▼
2024 · 0.59
ROE
36.7%▼
2024 · 38.2%
ROA
30.0%▲
2024 · 24.1%
Interest coverage
52.54▼
2024 · 60.32
Debt ≤ 1 year
€116k▼
2024 · €191k
Debt > 1 year
€42k▼
2024 · €78k
Income taxes
€59k▼
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€736k€900k▲
Fixed assets21/28€101k€76k▼
Intangible fixed assets21€100k€75k▼
Tangible fixed assets22/27€1k€1k▼
Furniture and vehicles24€1k€1k▼
Current assets29/58€635k€824k▲
Amounts receivable after more than one year29€0-
Trade receivables290€0-
Amounts receivable within one year40/41€47k€2k▼
Trade receivables40€39k€600▼
Other amounts receivable41€8k€1k▼
Current investments50/53€330k€644k▲
Cash at bank and in hand54/58€258k€133k▼
Deferred charges and accrued income490/1-€45k
Equity and liabilities
Total equity and liabilities10/49€736k€900k▲
Equity10/15€464k€734k▲
Contributions10/11€19k€19k=
Reserves13€446k€716k▲
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€444k€716k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€272k€165k▼
Amounts payable after more than one year17€78k€42k▼
Financial debts170/4€78k€42k▼
Amounts payable within one year42/48€191k€116k▼
Current portion of amounts payable after more than one year42€58k€43k▼
Financial debts43€701€849▲
Other loans439€701€849▲
Trade debts44€1k€857▼
Suppliers440/4€1k€857▼
Taxes, remuneration and social security45€74k€12k▼
Taxes450/3€74k€12k▼
Other amounts payable47/48€57k€59k▲
Accrued charges and deferred income492/3€3k€7k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€25k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€276k€354k▲
Operating profit (loss)9901€249k€327k▲
Financial income75/76B€20k€8k▼
Recurring financial income75€20k€8k▼
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€264k€328k▲
Income taxes67/77€86k€59k▼
Profit (loss) for the period9904€177k€270k▲
Profit (loss) for the period to be appropriated9905€177k€270k▲
Appropriation of the result
Profit (loss) to be appropriated9906€177k€270k▲
Transfer from equity791/2€491k€0▼
Transfer to equity691/2€177k€270k▲
To other reserves6921€177k€270k▲
Profit to be distributed694/7€491k€0▼
Return on contributions (dividend)694€491k€0▼
The notes to these accounts (8 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 7.10
Current ratio from 3.33 to 7.10; short-term debt falls from €191k to €116k.
31-12
Financial
Equity above €500kEq €734k ▲58.1%
7 profitable years in a row build equity to €734k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
31-12
Financial
Liquidity triplescurrent ratio 48.47
Current ratio from 14.87 to 48.47; short-term debt falls from €46k to €17k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
31-12
Financial
Weakest financial yearnet €80k ▼35.3%
Net result drops to €80k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 5current ratio 10.05
Current ratio from 1.95 to 10.05; short-term debt falls from €253k to €58k.
31-12
Financial
Equity above €500kEq €512k ▲18.5%
3 profitable years in a row build equity to €512k.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 68 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Brugge · 1 establishment unit since 2018
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.
Emmanuel de Neckerestraat 28000 BruggeGround area
1,152 m²
Building footprint
250 m²
Parcel 31808M0522/00G000, Flanders. Linked by address, not a title deed.
1 establishment unit
Dr. De Craene Sophie
since 20182.276.742.032
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31808M0522/00G000 | Flanders | 1,152 m² | 1 · 250 m² | - |
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
Flemish government
2022 to 2025 · 3 entries · 1,807 EUR awarded · 1,807 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 303 EUR | 303 EUR |
| 2024 | 1 | 829 EUR | 829 EUR |
| 2022 | 1 | 675 EUR | 675 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 16,627 companies in sector 86220 we hold annual accounts for 7,974. 6,107 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
Founded18-06-2018
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.