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Dr. E. Puttemans

Active
Private limited companyfounded 2024active for 2 yearsDe Drie Kreeften 31, 3000 Leuven, Belgium12 active companies are registered at this addressKBO/BCE: BE 1014.343.747
Summary

Dr. E. Puttemans has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24,840 and a net result of €22,340. The computed 12-month bankruptcy probability is 0.8% (low).

Overview

Activity
“De uitoefening van de geneeskunde, meer bepaald volgende disciplines: fysische geneeskunde en revalidatie door…” (deed in Dutch)
From the articles, 14 activitiesNo NACE code in the KBO yet1 site
Size
€31,507total assets 2025
Equity
€24,840
Profit
€22,340
Turnover not published (micro format)
Financial health
71 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.8%
Structure
2025 accounts 16 days early
Why 71raises riskFounded in 2024No main activity registeredlowers riskLiquidity: current ratio 4.73, cash €31,110Equity €24,840 (78.8% of total assets)Show the evidence

Checked score

Score 2025
71 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 85% of its sector peers (no NACE code, micro)
Financial strength
Strong
Solvency 100
equity 78.8% of total assets
Liquidity 93
short-term debt 21.2% · cash 98.7%
Profitability 100
return on assets 70.9%
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 10-2025: 2.4% 11-2025: 2.4%● unchanged vs 10-2025 12-2025: 2.5%▲ +0.1 percentage points vs 11-2025 01-2026: 2.9%▲ +0.4 percentage points vs 12-2025 02-2026: 3.1%▲ +0.2 percentage points vs 01-2026 03-2026: 3.4%▲ +0.3 percentage points vs 02-2026 04-2026: 3.4%● unchanged vs 03-2026 05-2026: 3.6%▲ +0.2 percentage points vs 04-2026highest value 06-2026: 3.6%● unchanged vs 05-2026 07-2026: 3.5%▼ -0.1 percentage points vs 06-2026 08-2026: 0.6%▼ -2.9 percentage points vs 07-2026 09-2026: 0.6%● unchanged vs 08-2026lowest value 10-2026: 0.8%▲ +0.2 percentage points vs 09-2026
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity ample (current ratio 4.73, above the usual 1.5; short-term debt: 21.2% and cash: 98.7% of total assets), and 21.2% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 81% on solvency, 84% on liquidity and 90% on profitability.

The bankruptcy probability was computed on 27-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Liquidity: current ratio 4.73, cash €31,110
NBB · annual accounts
raises risk · Founded in 2024
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · No main activity registered
KBO
lowers risk · Equity €24,840 (78.8% of total assets)
NBB · annual accounts
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 15-07-2026, 16 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
16 days early
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2024.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. IncorporationAppointment: PUTTEMANS Eline (director) ·…

Financials · financial year 2025, micro format

Equity
€24,840
Total assets
€31,507
Net result
€22,340
Working capital
€24,840

Turnover and EBIT margin not published: the micro format does not require them.

Balance-sheet composition
Equity and liabilities €31,507
Equity €24,840
Debt €6,667
Debt finances 21.2% of the balance-sheet total.
Key figures and ratios
2025 value
Current ratio
4.73
Debt to equity
0.27
ROE
89.9%
ROA
70.9%
Debt ≤ 1 year
€6,667
Income taxes
€6,036

Peer companies

Historical observation

Of the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 95.8% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.3% stopped otherwise
95.8% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 27 lines
Balance sheet Code2025
Assets
Total assets20/58€31,507
Current assets29/58€31,507
Cash at bank and in hand54/58€31,110
Deferred charges and accrued income490/1€397
Equity and liabilities
Total equity and liabilities10/49€31,507
Equity10/15€24,840
Contributions10/11€2,500
Reserves13€22,340
Distributable reserves133€22,340
Amounts payable17/49€6,667
Amounts payable within one year42/48€6,667
Trade debts44€886
Suppliers440/4€886
Taxes, remuneration and social security45€3,936
Taxes450/3€3,936
Other amounts payable47/48€1,845
Income statement Code2025
Gross operating margin9900€28,551
Operating profit (loss)9901€28,551
Financial charges65/66B€175
Recurring financial charges65€175
Profit (loss) for the period before taxes9903€28,376
Income taxes67/77€6,036
Profit (loss) for the period9904€22,340
Profit (loss) for the period to be appropriated9905€22,340
Appropriation of the result
Profit (loss) to be appropriated9906€22,340
Transfer to equity691/2€22,340
To other reserves6921€22,340

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Gross operating margin9900€28,551
Operating profit (loss)9901€28,551
Financial charges65/66B€175
Recurring financial charges65€175
Profit (loss) for the period before taxes9903€28,376
Income taxes67/77€6,036
Profit (loss) for the period9904€22,340
Profit (loss) for the period to be appropriated9905€22,340
Line2025
Assets
Total assets20/58€31,507
Current assets29/58€31,507
Cash at bank and in hand54/58€31,110
Deferred charges and accrued income490/1€397
Equity and liabilities
Total equity and liabilities10/49€31,507
Equity10/15€24,840
Contributions10/11€2,500
Reserves13€22,340
Distributable reserves133€22,340
Amounts payable17/49€6,667
Amounts payable within one year42/48€6,667
Trade debts44€886
Suppliers440/4€886
Taxes, remuneration and social security45€3,936
Taxes450/3€3,936
Other amounts payable47/48€1,845
Line2025
Profit (loss) for the period9904€22,340
Operating cash flow (approximation)€22,340

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (1)
Financial year Type Filed Reference
31-12-2025 micro format 15-07-2026 2026-00293516

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
1 director, no change since 2024
PUTTEMANS Eline
Director (not named in the articles) · since 30-09-2024
Current
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ. See the directors and other office holders in the KBO →

Mandate history

1 person since 2024, 1 in office
Show
  • Board
Mandates per person, with start and end dates
Name Functions and periods
PUTTEMANS Eline
  • Director (not named in the articles), from 30-09-2024 to date
See the board, name and registered office on a given date →

Owners and capital

Capital and shareholders

Shareholders according to the deeds
At incorporation act of 02-10-2024 ↗

The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.

Capital over the years
  1. 02-10-2024 Incorporation · €2,500 · 100 shares

Group and network

Connections & network

1 current director
Depth

The network starts from this company’s directors. Other companies they run appear here as nodes.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

History

On 30 September 2024, Dr. E. Puttemans was incorporated as a private limited company by one natural person, with a starting capital of €2,500.12 PUTTEMANS Eline has served as director of the company since 2024.2 The company has filed annual accounts once, for financial year 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 02-10-2024
  3. 3National Bank, annual accounts 2025

Acts, filings and financial milestones

2026
15-07
NBB filing Annual accounts filed
financial year 2025 · micro format
2024
02-10
Gazette deed Incorporation
Appointment: PUTTEMANS Eline (director) · Founder · Founding capital6 facts ▸
  • Incorporation, 30-09-2024
  • Founder, PUTTEMANS Eline
  • Founding capital, €2,500
  • Registered office clause, “3000 Leuven, De Drie Kreeften 31”, 1104 (deed in Dutch)
  • Board rule, 1
  • Director appointment, PUTTEMANS Eline (director (not named in the articles))
Gazette deedNBB filing
1 of 1 deed read

Register details

Identification
Legal formPrivate limited company
Founded30-09-2024
Financial year end31-12
E-invoicing
Reachable via Peppol
Peppol ID 0208:1014343747
Registered 29-10-2024

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Leuven · 1 establishment unit since 2024
registered office establishment The establishment unit on the map
Ground area
4,582 m²
Building footprint
469 m²
Parcel 24062A1103/00B000, Flanders. Linked by address, not a title deed.
12 companies at this address See who is registered here
1 establishment unit
Dr. E. Puttemans
De Drie Kreeften 31, 3000 LeuvenSpecialist medical practice
since 2024unit no. 2.365.105.963
1 parcel
Flanders 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
24062A1103/00B000 Flanders 4,582 m² 1 · 469 m² -
How the parcels are linked
Good to know
The parcel matches the address exactly.

Articles of association

What the company does

PurposeThe activities the company may carry out under its articles.
“De uitoefening van de geneeskunde, meer bepaald volgende disciplines: fysische geneeskunde en revalidatie door de arts-aandeelhouder, in…” (deed in Dutch)
14 activities (deed in Dutch)
  1. De uitoefening van de geneeskunde, meer bepaald volgende disciplines: fysische geneeskunde en revalidatie door de arts-aandeelhouder, in naam en voor rekening van de vennootschap, en rekening houdend met de bepalingen van de medische deontologie qua uitoefening van de geneeskunde.
  2. De geneeskunde wordt uitgeoefend door de arts onder specifieke aansprakelijkheid van de aandeelhouder en de bijkomende aansprakelijkheid van de vennootschap.
  3. De activiteit omvat impliciet de inning van de erelonen door en voor de vennootschap en de betaling aan de arts-aandeelhouder van een vergoeding in verhouding tot de prestatie die hij voor rekening van de vennootschap geleverd heeft.
  4. Het ter beschikking stellen van alle nodige middelen aan de arts, voor het beheren van een praktijk.
  5. Het inrichten van algemene diensten, en een medisch secretariaat in het bijzonder, die nuttig of nodig zijn voor de uitoefening van de voornoemde activiteiten.
  6. De aankoop, het huren, het leasen en het invoeren van alle medische apparatuur en begeleidende accommodaties voor voornoemde activiteiten.
  7. De mogelijkheden scheppen om de arts toe te laten zich verder te bekwamen in zijn discipline, dit teneinde een kwalitatief hoogstaande praktijkuitoefening mogelijk te maken.
  8. Het occasioneel verstrekken van onderwijs en geven van lezingen over voormelde medische onderwerpen, het schrijven en laten publiceren van medische artikels en boeken, het optreden als stagebegeleider.
  9. De vennootschap mag deelnemen aan alle andere vennootschappen die een gelijkaardig voorwerp nastreven of toetreden tot de associaties, met dezelfde of aanvullende specialiteiten, evenwel onder de voorwaarden bepaald in de medische deontologie.
  10. Overeenkomsten die artsen niet mogen afsluiten met andere artsen of derden, zullen echter ook door de vennootschap niet mogen afgesloten worden.
  11. De vennootschap kan zonder afbreuk te doen aan de medische deontologie ter zake, onder het normaal beheer als goede huisvader, een bestemming geven aan gereserveerde winsten van welke aard ook.
  12. Het verwerven en beheren van onroerende goederen of zakelijke rechten daarop, in België of in het buitenland.
  13. Het vormen en beheren van een roerend patrimonium bestaande uit lichamelijke of onlichamelijke roerende goederen.
  14. Het rationeel en doelmatig beheer van zowel haar roerend als haar onroerend vermogen. Binnen de perken van dit beheer zal de vennootschap alle handelingen kunnen stellen betreffende haar roerende en onroerende goederen, zoals onderhoud, bouwen, studie, renoveren, koop, verkoop, huur en verhuring, erfpacht en opstal, leningen met of zonder hypotheek, zonder dat deze opsomming beperkend weze.

The full purpose is in the deed

DurationHow long the company exists; usually unlimited, so until it is dissolved.
Unlimited
Name clauseThe name the company operates under according to its articles.
Dr. E. Puttemans
Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
One provision in the deed

deed of 02-10-2024

Who represents it, and how

Board ruleHow the board is made up, meets and takes decisions.
4 provisions in the deed

deed of 02-10-2024

Capital, shares and profit

Kind of sharesWhich classes of shares exist and what rights each class carries.
“Op naam” (deed in Dutch)
Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
“Overdracht aandelen” (deed in Dutch)
“Overgang aandelen overlijden” (deed in Dutch)
“Gelijktijdig overlijden, punt A. 2) van artikel 11 toepassing” (deed in Dutch)
6 more provisions on this in the deed

deed of 02-10-2024

Meetings and financial year

Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
Third Friday of June at 19:00

deed of 02-10-2024

Oversight and winding up

Dissolution ruleWhen and by whom the company can be dissolved.
One provision in the deed
Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
“Krachtens deze statuten indien geen andere vereffenaar zou zijn benoemd, bestuurder(s) in functie” (deed in Dutch)

deed of 02-10-2024

Other provisionsOther rules from the articles that fall under none of the themes above.

Other provision: “Bijkomende praktijk, eenvoudige beslissing van het bevoegd orgaan” (deed in Dutch)
Other provision: “Aandelen moeten bij hun uitgifte worden volgestort, stortingsplicht” (deed in Dutch)
Other provision: “Authentieke akte, bijkomende inbrengen zonder uitgifte van nieuwe aandelen” (deed in Dutch)
Other provision: “Termijn voorkeurrecht, dag van de openstelling van de intekening” (deed in Dutch)
Other provision: “Alle aandeelhouders kunnen afstand doen van hun voorkeurrecht bij het besluit van de algemene vergadering om nieuwe aandelen uit te geven…” (deed in Dutch)
Other provision: “Voorkeurrecht vruchtgebruik, blote eigenaar, tenzij tussen de blote eigenaar en vruchtgebruiker anders overeengekomen” (deed in Dutch)
Other provision: “Voorkeurrecht vruchtgebruiker, vruchtgebruiker” (deed in Dutch)
Other provision: “Aandeelhouders, artsen bevoegd geneeskunde uit te oefenen in België, ingeschreven op lijst Raad van de Orde der artsen, actief uitoefenen of…” (deed in Dutch)
Other provision: “Aansprakelijkheid artsen-aandeelhouders, door vennootschap vereffend” (deed in Dutch)
Other provision: “Ondeelbaarheid en onsplitsbaarheid aandelen, ondeelbaar en onsplitsbaar tegenover vennootschap” (deed in Dutch)
Other provision: “Einde splitsing, enkel in richting van arts-vruchtgebruiker” (deed in Dutch)
21 more provisions in the deed, see the deed of 02-10-2024

deed of 02-10-2024