Dr. Eneman - Dr. Deraeve
ActiveDr. Eneman - Dr. Deraeve has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €12k and a net result of €135k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 19907 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
69
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency32▼-8
Growth78=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.0 against 1.0 in 2023; short-term debt: 93.1% and cash: 46.1% of total assets), and 93.1% 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
6.9%
Return on assets
77.7%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 19907 sector peers (2024).
NBB · sector comparisonPosition among 19907 sector peers
Solvency
better than 8%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
36 d early
2022
32 d early
2021
34 d early
2020
33 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€12k▼ 41.1%
2023 · €20k
2020: €5k
2021: €22k
2022: €90k
2023: €20k
2020 → 2024
Total assets
€174k▲ 27.3%
2023 · €137k
2020: €23k
2021: €41k
2022: €120k
2023: €137k
2020 → 2024
Net result
€135k▲ 50.6%
2023 · €90k
2020: €6k
2021: €19k
2022: €68k
2023: €90k
2020 → 2024
Working capital
€0
2023 · €0
2020: €-1k
2021: €16k
2022: €74k
2023: €0
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€5k-€22k▲ 390%€90k▲ 305%€20k▼ 77.4%€12k▼ 41.1%
Operating result€8k-€26k▲ 235%€86k▲ 232%€116k▲ 35.0%€174k▲ 49.7%
Net result€6k-€19k▲ 225%€68k▲ 251%€90k▲ 32.4%€135k▲ 50.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 50% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €174k
Fixed assets
€12k▼ 41.1%
Current assets
€162k▲ 39.3%
Equity and liabilities €174k
Equity
€12k▼ 41.1%
Debt
€162k▲ 39.3%
The debt ratio rises from 85.1% to 93.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€181k▲
2023 · €127k
Cash flow
€143k▲
2023 · €101k
Solvency
6.9%▼
2023 · 14.9%
Current ratio
1.00=
2023 · 1.00
Quick ratio
1.00=
2023 · 1.00
Debt / equity
13.55▲
2023 · 5.73
ROA
77.7%▲
2023 · 65.7%
Interest coverage
1125.49▲
2023 · 773.40
Debt
€162k▲
2023 · €117k
Debt ≤ 1 year
€162k▲
2023 · €117k
Income taxes
€41k▲
2023 · €26k
A ratio outside any meaningful range has been withheld (balance sheet total €174k, equity €12k).
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€137k€174k▲
Fixed assets21/28€20k€12k▼
Tangible fixed assets22/27€20k€12k▼
Plant, machinery and equipment23€6k-
Furniture and vehicles24€7k€7k▼
Other tangible fixed assets26€7k€5k▼
Current assets29/58€117k€162k▲
Amounts receivable within one year40/41€14k€15k▲
Other amounts receivable41€14k€15k▲
Cash at bank and in hand54/58€52k€80k▲
Deferred charges and accrued income490/1€50k€67k▲
Equity and liabilities
Total equity and liabilities10/49€137k€174k▲
Equity10/15€20k€12k▼
Contributions10/11€200€200=
Reserves13€20k€12k▼
Distributable reserves133€20k€12k▼
Amounts payable17/49€117k€162k▲
Amounts payable within one year42/48€117k€162k▲
Trade debts44€17k€10k▼
Suppliers440/4€17k€10k▼
Taxes, remuneration and social security45€9k€8k▼
Taxes450/3€9k€8k▼
Other amounts payable47/48€91k€144k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€7k▼
Other operating charges640/8€1k€838▼
Gross operating margin9900€128k€182k▲
Operating profit (loss)9901€116k€174k▲
Financial income75/76B€0€2k▲
Recurring financial income75€0€0=
Non-recurring financial income76B-€2k
Financial charges65/66B€164€161▼
Recurring financial charges65€164€161▼
Profit (loss) for the period before taxes9903€116k€176k▲
Income taxes67/77€26k€41k▲
Profit (loss) for the period9904€90k€135k▲
Profit (loss) for the period to be appropriated9905€90k€135k▲
Appropriation of the result
Profit (loss) to be appropriated9906€90k€135k▲
Transfer from equity791/2€74k€8k▼
Transfer to equity691/2€4k-
To other reserves6921€4k-
Profit to be distributed694/7€160k€144k▼
Return on contributions (dividend)694€160k€144k▼
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
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €135k ▲50.6%
Operating result €174k, net result €135k, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 2.14
Current ratio from 0.83 to 2.14.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-12-2024
Resigned as Director
Location & real-estate footprint
Registered office, Leuven · 1 establishment unit since 2020
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.
Tweekleinewegenstraat 793001 LeuvenGround area
2,215 m²
Building footprint
179 m²
Parcel 24040A0114/00F000, Flanders. Linked by address, not a title deed.
1 establishment unit
Tweekleinewegenstraat 79, 3001 Leuven
since 20202.309.987.001
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24040A0114/00F000 | Flanders | 2,215 m² | 1 · 179 m² | 0.0 m |
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.
Similar companies · same sector, comparable size
PLAN Huisartsen
BE 0842.129.848
Aalst · Eq €12k
Dr. Neyens AE, huisarts
BE 0748.493.669
Leuven · Eq €12k
Dr. Charlotte Loos, huisarts
BE 0734.737.980
Aartselaar · Eq €12k
Dr. Michelle Sagaert
BE 0749.865.230
Tielt · Eq €12k
Dr. Liese Swartenbroekx Janssens
BE 1027.712.129
Glabbeek · Eq €12k
Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 2,436 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-11-2020
Fiscal year end31-12
Activities, NACEBEL
86210General medical practice
77330Rental and leasing activities
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.