Dr. Elfriede Vangheluwe
ActiveDr. Elfriede Vangheluwe has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €180k and a net result of €44k. Equity is growing by ~23.7% per year across the filed fiscal years. Its solvency ranks better than 53% of 16511 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+7
Solvency92▼-1
Growth52=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 4.06 against 3.04 in 2024; short-term debt: 24.2% and cash: 81.1% of total assets), and 33.5% 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+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 →
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
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
66.5%
Return on assets
16.4%
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 30-04-2026, 92 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
92 d early
2024
2 d early
2023
5 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€180k▲ 32.0%
2024 · €137k
2023: €116k
2024: €137k
2023 → 2025
Total assets
€271k▲ 34.0%
2024 · €202k
2023: €161k
2024: €202k
2023 → 2025
Net result
€44k▲ 103%
2024 · €22k
2023: €113k
2024: €22k
2023 → 2025
Working capital
€200k▲ 49.4%
2024 · €134k
2023: €116k
2024: €134k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€116k-€137k▲ 18.2%€180k▲ 32.0%
Operating result€150k-€27k▼ 81.9%€58k▲ 116%
Net result€113k-€22k▼ 80.6%€44k▲ 103%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 116% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €271k
Fixed assets
€5k▲ 104%
Current assets
€266k▲ 33.1%
Equity and liabilities €271k
Equity
€180k▲ 32.0%
Debt
€91k▲ 38.1%
The debt ratio rises from 32.5% to 33.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€59k▲
2024 · €27k
Cash flow
€45k▲
2024 · €22k
Solvency
66.5%▼
2024 · 67.5%
Current ratio
4.06▲
2024 · 3.04
Quick ratio
4.06▲
2024 · 3.04
Debt / equity
0.50▲
2024 · 0.48
ROE
24.7%▲
2024 · 16.0%
ROA
16.4%▲
2024 · 10.8%
Interest coverage
26.50▼
2024 · 29.62
Debt
€91k▲
2024 · €66k
Debt ≤ 1 year
€66k▼
2024 · €66k
Income taxes
€12k▲
2024 · €7k
Staff costs
€30k▲
2024 · €29k
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€202k€271k▲
Fixed assets21/28€2k€5k▲
Tangible fixed assets22/27€1k€4k▲
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24-€2k
Financial fixed assets28€1k€1k=
Current assets29/58€200k€266k▲
Amounts receivable within one year40/41€44k-
Other amounts receivable41€44k-
Cash at bank and in hand54/58€143k€220k▲
Deferred charges and accrued income490/1€13k€46k▲
Equity and liabilities
Total equity and liabilities10/49€202k€271k▲
Equity10/15€137k€180k▲
Contributions10/11€3k€3k=
Reserves13€134k€177k▲
Distributable reserves133€134k€177k▲
Amounts payable17/49€66k€91k▲
Amounts payable within one year42/48€66k€66k▼
Trade debts44€8k€194▼
Suppliers440/4€8k€194▼
Taxes, remuneration and social security45€53k€23k▼
Taxes450/3€45k€15k▼
Remuneration and social security454/9€7k€8k▲
Other amounts payable47/48€4k€43k▲
Accrued charges and deferred income492/3-€25k
Income statement
Code20242025
Remuneration, social security and pensions62€29k€30k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€128€831▲
Other operating charges640/8-€718
Gross operating margin9900€56k€90k▲
Operating profit (loss)9901€27k€58k▲
Financial income75/76B€2k€757▼
Recurring financial income75€2k€757▼
Financial charges65/66B€920€2k▲
Recurring financial charges65€920€2k▲
Profit (loss) for the period before taxes9903€28k€57k▲
Income taxes67/77€7k€12k▲
Profit (loss) for the period9904€22k€44k▲
Profit (loss) for the period to be appropriated9905€22k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€44k▲
Transfer to equity691/2€21k€44k▲
To other reserves6921€21k€44k▲
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼
The notes to these accounts (6 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €180k ▲32%
3 profitable years in a row build equity to €180k.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €22k ▼80.6%
Net result drops to €22k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Leuven · 1 establishment unit since 2022
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.
Nerviërsstraat 683000 LeuvenGround area
289 m²
Building footprint
129 m²
Volume, LiDAR
860 m³
Parcel 24062A0989/00G004, Flanders · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Nerviërsstraat 68, 3000 Leuven
since 20222.336.631.317
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24062A0989/00G004 | Flanders | 289 m² | 1 · 129 m² | 11.3 m · 3 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.
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Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 5,484 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2022
Fiscal year end31-12
Activities, NACEBEL
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.