DR. E. VAN DE KELFT
ActiveDR. E. VAN DE KELFT has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.72M and a net result of €409k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 76% of 16459 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85=
Solvency100▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €240k at 30 days acceptable
Liquidity ample (current ratio 11.93 against 1.23 in 2024; short-term debt: 2.3% and cash: 12.9% of total assets), and 15% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
85%
Return on assets
12.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
31 d early
2023
31 d late
2022
60 d late
2021
61 d late
2020
5 d early
2019
21 d early
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.72M▲ 17.7%
2024 · €2.31M
2018: €2.05M
2019: €2.05M
2020: €2.17M
2021: €2.40M
2022: €2.47M
2023: €2.70M
2024: €2.31M
2018 → 2025
Total assets
€3.20M▼ 9.9%
2024 · €3.55M
2018: €3.13M
2019: €2.92M
2020: €2.88M
2021: €3.20M
2022: €3.14M
2023: €3.42M
2024: €3.55M
2018 → 2025
Net result
€409k▼ 12.1%
2024 · €466k
2018: €254k
2019: €-5k
2020: €123k
2021: €227k
2022: €74k
2023: €318k
2024: €466k
2018 → 2025
Working capital
€815k▲ 338%
2024 · €186k
2018: €71k
2019: €44k
2020: €204k
2021: €199k
2022: €191k
2023: €439k
2024: €186k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.40M-€2.47M▲ 3.1%€2.70M▲ 9.4%€2.31M▼ 14.5%€2.72M▲ 17.7%
Operating result€343k-€177k▼ 48.4%€459k▲ 160%€693k▲ 51.0%€687k▼ 0.8%
Net result€227k-€74k▼ 67.3%€318k▲ 329%€466k▲ 46.4%€409k▼ 12.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.20M
Fixed assets
€2.31M▼ 10.1%
Current assets
€890k▼ 9.4%
Equity and liabilities €3.20M
Equity
€2.72M▲ 17.7%
Debt
€479k▼ 61.4%
The debt ratio falls from 34.9% to 15.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€819k▲
2024 · €816k
Cash flow
€541k▼
2024 · €589k
Solvency
85.0%▲
2024 · 65.1%
Current ratio
11.93▲
2024 · 1.23
Quick ratio
11.93▲
2024 · 1.23
Debt / equity
0.18▼
2024 · 0.54
ROE
15.0%▼
2024 · 20.1%
ROA
12.8%▼
2024 · 13.1%
Interest coverage
87.48▲
2024 · 43.47
Debt
€479k▼
2024 · €1.24M
Debt ≤ 1 year
€75k▼
2024 · €797k
Debt > 1 year
€404k▼
2024 · €444k
Income taxes
€249k▲
2024 · €229k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€3.55M€3.20M▼
Fixed assets21/28€2.57M€2.31M▼
Tangible fixed assets22/27€2.55M€2.31M▼
Land and buildings22€2.19M€1.99M▼
Plant, machinery and equipment23€2k€7k▲
Furniture and vehicles24€228k€207k▼
Leasing and similar rights25-€107k
Other tangible fixed assets26€125k-
Financial fixed assets28€24k-
Current assets29/58€982k€890k▼
Amounts receivable within one year40/41€148k€44k▼
Trade receivables40€9k€400▼
Other amounts receivable41€140k€43k▼
Current investments50/53€330k€430k▲
Cash at bank and in hand54/58€492k€414k▼
Deferred charges and accrued income490/1€12k€2k▼
Equity and liabilities
Total equity and liabilities10/49€3.55M€3.20M▼
Equity10/15€2.31M€2.72M▲
Contributions10/11€22k€22k=
Reserves13€2.29M€2.70M▲
Distributable reserves133€2.29M€2.70M▲
Amounts payable17/49€1.24M€479k▼
Amounts payable after more than one year17€444k€404k▼
Financial debts170/4€440k€404k▼
Other amounts payable178/9€4k-
Amounts payable within one year42/48€797k€75k▼
Current portion of amounts payable after more than one year42€58k€36k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€379k€37k▼
Taxes450/3€379k€36k▼
Remuneration and social security454/9-€1k
Other amounts payable47/48€358k-
Accrued charges and deferred income492/3€383-
Income statement
Code20242025
Non-recurring operating income76A€188k€89k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€123k€132k▲
Other operating charges640/8€11k€8k▼
Non-recurring operating charges66A-€42k
Gross operating margin9900€828k€869k▲
Operating profit (loss)9901€693k€687k▼
Financial income75/76B€21k€4k▼
Recurring financial income75€21k€4k▼
Financial charges65/66B€19k€33k▲
Recurring financial charges65€19k€9k▼
Non-recurring financial charges66B-€24k
Profit (loss) for the period before taxes9903€695k€658k▼
Income taxes67/77€229k€249k▲
Profit (loss) for the period9904€466k€409k▼
Profit (loss) for the period to be appropriated9905€466k€409k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.55M€409k▼
Profit (loss) brought forward from the previous period14P€1.08M-
Transfer to equity691/2€690k€409k▼
To other reserves6921€690k€409k▼
Profit to be distributed694/7€857k-
Return on contributions (dividend)694€857k-
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity times 10current ratio 11.93
Current ratio from 1.23 to 11.93; short-term debt falls from €797k to €75k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €466k ▲46.4%
Operating result €693k, net result €466k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 61 days late
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €123k
Net result €123k after one loss-making year.
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-5k ▼102%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Hamme (Vl.) · 1 establishment unit since 1996
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.
Killestraat 17C9220 Hamme (Vl.)Ground area
3,957 m²
Building footprint
259 m²
Volume, LiDAR
1,625 m³
Parcel 42014B1185/00K000, Flanders · tallest building 12.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Killestraat 17C, 9220 Hamme (Vl.)
since 19962.250.399.505
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42014B1185/00K000 | Flanders | 3,957 m² | 1 · 259 m² | 12.8 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
9676007VSXA2GHIP7662
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Of 16,627 companies in sector 86220 we hold annual accounts for 7,973. 3,910 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-1996
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.