Dr. Ellen Deckers
ActiveDr. Ellen Deckers has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €168k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 16511 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency30▼-60
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.6 against 2.66 in 2024; short-term debt: 80.4% and cash: 16.8% of total assets), and 94.9% 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 →
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
5.1%
Return on assets
46%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 16511 sector peers (2025).
NBB · sector comparisonPosition among 16511 sector peers
Solvency
better than 10%
← weakest
strongest →
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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
on the day
2022
16 d late
2022
6 d late
2021
25 d late
2020
23 d late
← 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
€19k▼ 93.8%
2024 · €301k
2019: €110k
2020: €156k
2021: €369k
2022: €216k
2022: €303k
2023: €144k
2024: €301k
2019 → 2025
Total assets
€364k▼ 21.3%
2024 · €463k
2019: €186k
2020: €204k
2021: €394k
2022: €222k
2022: €337k
2023: €496k
2024: €463k
2019 → 2025
Net result
€168k▲ 6.5%
2024 · €157k
2019: €47k
2020: €47k
2021: €213k
2022: €195k
2022: €88k
2023: €181k
2024: €157k
2019 → 2025
Working capital
€-116k
2024 · €150k
2019: €43k
2020: €111k
2021: €308k
2022: €146k
2022: €230k
2023: €45k
2024: €150k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222022202320242025Trend
Equity€216k-€303k▲ 40.6%€144k▼ 52.5%€301k▲ 109%€19k▼ 93.8%
Operating result€257k-€120k▼ 53.4%€242k▲ 102%€212k▼ 12.2%€231k▲ 9.0%
Net result€195k-€88k▼ 55.1%€181k▲ 106%€157k▼ 13.0%€168k▲ 6.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
Multiple fiscal year ends fall in the same calendar year; an annual trend is not displayed.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €364k
Fixed assets
€187k▼ 15.9%
Current assets
€177k▼ 26.2%
Equity and liabilities €364k
Equity
€19k▼ 93.8%
Debt
€346k▲ 114%
The debt ratio rises from 34.9% to 94.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€271k▲
2024 · €247k
Cash flow
€207k▲
2024 · €192k
Solvency
5.1%▼
2024 · 65.1%
Current ratio
0.60▼
2024 · 2.66
Quick ratio
0.60▼
2024 · 2.66
Debt / equity
18.45▲
2024 · 0.54
ROE
894.1%▲
2024 · 52.2%
ROA
46.0%▲
2024 · 34.0%
Interest coverage
32.21▼
2024 · 34.76
Debt
€346k▲
2024 · €162k
Debt ≤ 1 year
€293k▲
2024 · €90k
Debt > 1 year
€47k▼
2024 · €67k
Income taxes
€56k▲
2024 · €51k
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€463k€364k▼
Formation expenses20€360€217▼
Fixed assets21/28€222k€187k▼
Tangible fixed assets22/27€222k€187k▼
Land and buildings22€19k€18k▼
Plant, machinery and equipment23€4k€5k▲
Furniture and vehicles24€141k€108k▼
Other tangible fixed assets26€58k€56k▼
Current assets29/58€240k€177k▼
Amounts receivable within one year40/41€32k€2k▼
Trade receivables40€2k€2k▼
Other amounts receivable41€29k€0▼
Current investments50/53€0-
Cash at bank and in hand54/58€91k€61k▼
Deferred charges and accrued income490/1€118k€114k▼
Equity and liabilities
Total equity and liabilities10/49€463k€364k▼
Equity10/15€301k€19k▼
Contributions10/11€19k€19k=
Reserves13€2k€0▼
Distributable reserves133€2k€0▼
Profit (loss) carried forward14€281k€142▼
Amounts payable17/49€162k€346k▲
Amounts payable after more than one year17€67k€47k▼
Financial debts170/4€67k€47k▼
Amounts payable within one year42/48€90k€293k▲
Current portion of amounts payable after more than one year42€19k€20k▲
Trade debts44€0€354▲
Suppliers440/4€0€354▲
Taxes, remuneration and social security45€6k€3k▼
Taxes450/3€3k€3k▼
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€65k€270k▲
Accrued charges and deferred income492/3€5k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€40k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€251k€273k▲
Operating profit (loss)9901€212k€231k▲
Financial income75/76B€3k€0▼
Recurring financial income75€3k€0▼
Financial charges65/66B€7k€8k▲
Recurring financial charges65€7k€8k▲
Profit (loss) for the period before taxes9903€208k€223k▲
Income taxes67/77€51k€56k▲
Profit (loss) for the period9904€157k€168k▲
Profit (loss) for the period to be appropriated9905€157k€168k▲
Appropriation of the result
Profit (loss) to be appropriated9906€281k€448k▲
Profit (loss) brought forward from the previous period14P€123k€281k▲
Transfer from equity791/2-€2k
Profit to be distributed694/7€0€450k▲
Return on contributions (dividend)694€0€450k▲
The notes to these accounts (9 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
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 2.66
Current ratio from 1.13 to 2.66; short-term debt falls from €351k to €90k.
31-12
Financial
Equity above €200kEq €301k ▲109%
7 profitable years in a row build equity to €301k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
06-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 6 days late
2022
25-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
30-06
Financial
Highest result since 2019net €213k ▲357%
Operating result €279k, net result €213k, both a record.
30-06
Financial
Liquidity quadruplescurrent ratio 14.02
Current ratio from 3.43 to 14.02; short-term debt falls from €46k to €24k.
30-06
Financial
Equity above €200kEq €369k ▲137%
3 profitable years in a row build equity to €369k.
23-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
30-06
Financial
Weakest financial yearnet €47k ▼1.5%
Net result drops to €47k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity doublescurrent ratio 3.43
Current ratio from 1.59 to 3.43; short-term debt falls from €73k to €46k.
30-06
Financial
Equity above €150kEq €156k ▲42.6%
2 profitable years in a row build equity to €156k.
10-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 10 days late
2019
07-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Torhout · 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.
Karel de Ghelderelaan 48820 TorhoutGround area
970 m²
Building footprint
361 m²
Volume, LiDAR
1,838 m³
Parcel 31033K0004/00S004, Flanders · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dr. Ellen Deckers
since 20182.266.517.044
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31033K0004/00S004 | Flanders | 970 m² | 1 · 361 m² | 12.0 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.
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Of 16,628 companies in sector 86220 we hold annual accounts for 7,973. 3,062 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-07-2017
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.