Dr. DE WOLF Kathleen
ActiveSummary
Dr. DE WOLF Kathleen has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.56M and a net result of €18k. Equity is growing by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+10
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 85.41 against 44.56 in 2024; short-term debt: 1.1% and cash: 20.7% of total assets), and 1.3% 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
98.7%
Return on assets
1.1%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
on the day
2022
31 d late
2021
16 d late
2020
32 d early
2019
35 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 31-12-2026 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
€1.56M▲ 1.2%
2024 · €1.55M
2018: €652k
2019: €803k
2020: €896k
2021: €1.05M
2022: €1.18M
2023: €1.41M
2024: €1.55M
2018 → 2025
Total assets
€1.59M=
2024 · €1.58M
2018: €688k
2019: €861k
2020: €972k
2021: €1.19M
2022: €1.32M
2023: €1.52M
2024: €1.58M
2018 → 2025
Net result
€18k▼ 87.0%
2024 · €140k
2018: €85k
2019: €151k
2020: €93k
2021: €157k
2022: €124k
2023: €229k
2024: €140k
2018 → 2025
Working capital
€1.51M▼ 2.3%
2024 · €1.55M
2018: €635k
2019: €795k
2020: €898k
2021: €1.07M
2022: €1.18M
2023: €1.41M
2024: €1.55M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.05M-€1.18M▲ 11.8%€1.41M▲ 19.4%€1.55M▲ 10.0%€1.56M▲ 1.2%
Operating result€207k-€217k▲ 4.9%€306k▲ 40.5%€155k▼ 49.1%€5k▼ 97.1%
Net result€157k-€124k▼ 21.1%€229k▲ 84.5%€140k▼ 38.8%€18k▼ 87.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 97% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.59M
Fixed assets
€54k ▲ 12,800%
Current assets
€1.53M ▼ 3.4%
Equity and liabilities €1.59M
Equity
€1.56M ▲ 1.2%
Debt
€21k ▼ 45.6%
Debt's share of the balance-sheet total falls from 2.4% to 1.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12k▼
2024 · €156k
Cash flow
€26k▼
2024 · €141k
Current ratio
85.41▲
2024 · 44.56
Debt to equity
0.01▼
2024 · 0.02
ROE
1.2%▼
2024 · 9.1%
ROA
1.1%▼
2024 · 8.8%
Interest coverage
37.55▲
2024 · -17.52
Debt ≤ 1 year
€18k▼
2024 · €36k
Income taxes
€8k▼
2024 · €57k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.58M€1.59M=
Fixed assets21/28€420€54k▲
Tangible fixed assets22/27€420€54k▲
Plant, machinery and equipment23€420€125▼
Furniture and vehicles24-€51k
Other tangible fixed assets26-€3k
Current assets29/58€1.58M€1.53M▼
Amounts receivable within one year40/41€25k€1k▼
Trade receivables40€6k€476▼
Other amounts receivable41€19k€880▼
Current investments50/53€1.14M€1.19M▲
Cash at bank and in hand54/58€416k€328k▼
Deferred charges and accrued income490/1€8k€15k▲
Equity and liabilities
Total equity and liabilities10/49€1.58M€1.59M=
Equity10/15€1.55M€1.56M▲
Contributions10/11€119k€119k=
Reserves13€1.43M€1.45M▲
Non-distributable reserves130/1€13k€13k=
Reserves not available under the articles1311€13k€13k=
Distributable reserves133€1.41M€1.43M▲
Profit (loss) carried forward14€413€442▲
Amounts payable17/49€39k€21k▼
Amounts payable within one year42/48€36k€18k▼
Trade debts44€968€111▼
Suppliers440/4€968€111▼
Taxes, remuneration and social security45€10k€5k▼
Taxes450/3€5k€2k▼
Remuneration and social security454/9€5k€3k▼
Other amounts payable47/48€25k€13k▼
Accrued charges and deferred income492/3€3k€3k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€295€7k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€158k€14k▼
Operating profit (loss)9901€155k€5k▼
Financial income75/76B€33k€22k▼
Recurring financial income75€33k€22k▼
Financial charges65/66B€-9k€317▲
Recurring financial charges65€-9k€317▲
Profit (loss) for the period before taxes9903€197k€26k▼
Income taxes67/77€57k€8k▼
Profit (loss) for the period9904€140k€18k▼
Profit (loss) for the period to be appropriated9905€140k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€141k€19k▼
Profit (loss) brought forward from the previous period14P€1k€413▼
Transfer to equity691/2€141k€18k▼
To other reserves6921€141k€18k▼
The notes to these accounts (7 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €18k ▼87%
Net result drops to €18k, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 44.56
Current ratio from 13.44 to 44.56; short-term debt falls from €113k to €36k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €229k ▲84.5%
Operating result €306k, net result €229k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-12
Financial
Equity above €1MEq €1.05M ▲17.6%
4 profitable years in a row build equity to €1.05M.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
03-07
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
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, Aalst
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.
Hof Somergem 619320 AalstGround area
1,982 m²
Building footprint
185 m²
Volume, LiDAR
1,133 m³
Parcel 41014A0204/00H000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41014A0204/00H000 | Flanders | 1,982 m² | 1 · 185 m² | 8.0 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 1,839 EUR awarded · 1,839 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,839 EUR | 1,839 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
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Of 105 companies in sector 86109 we hold annual accounts for 83. 54 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)
Founded19-01-2000
Fiscal year end31-12
Activities, NACEBEL 2025
86109Human health activities
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.