Dr. Gaëlle Moerman
ActiveSummary
Dr. Gaëlle Moerman has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €372k and a net result of €157k. Equity is growing by ~64.3% per year across the filed fiscal years. Its solvency ranks better than 80% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 7.82 against 4.2 in 2024; short-term debt: 11.8% and cash: 57% of total assets), and 12.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
87.9%
Return on assets
37.2%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 16-04-2026, 14 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
14 d early
2024
26 d early
2023
17 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€372k▲ 73.3%
2024 · €215k
2023: €96k
2024: €215k
2023 → 2025
Total assets
€423k▲ 48.9%
2024 · €284k
2023: €183k
2024: €284k
2023 → 2025
Net result
€157k▲ 32.4%
2024 · €119k
2023: €95k
2024: €119k
2023 → 2025
Working capital
€341k▲ 57.7%
2024 · €216k
2023: €96k
2024: €216k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€96k-€215k▲ 124%€372k▲ 73.3%
Operating result€121k-€156k▲ 28.5%€205k▲ 31.1%
Net result€95k-€119k▲ 25.4%€157k▲ 32.4%
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 two years in a row; 2025 is 31% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €423k
Fixed assets
€32k ▲ 4,623%
Current assets
€391k ▲ 37.8%
Equity and liabilities €423k
Equity
€372k ▲ 73.3%
Debt
€51k ▼ 26.4%
Debt's share of the balance-sheet total falls from 24.5% to 12.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€206k▲
2024 · €156k
Cash flow
€159k▲
2024 · €119k
Current ratio
7.82▲
2024 · 4.20
Debt to equity
0.14▼
2024 · 0.33
ROE
42.3%▼
2024 · 55.4%
ROA
37.2%▼
2024 · 41.8%
Interest coverage
158.26▲
2024 · 48.00
Debt ≤ 1 year
€50k▼
2024 · €68k
Income taxes
€47k▲
2024 · €35k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€284k€423k▲
Fixed assets21/28€687€32k▲
Tangible fixed assets22/27€687€32k▲
Furniture and vehicles24€687€400▼
Other tangible fixed assets26-€32k
Current assets29/58€284k€391k▲
Amounts receivable within one year40/41€58k€50k▼
Trade receivables40€58k€50k▼
Current investments50/53€50k-
Cash at bank and in hand54/58€122k€241k▲
Deferred charges and accrued income490/1€54k€100k▲
Equity and liabilities
Total equity and liabilities10/49€284k€423k▲
Equity10/15€215k€372k▲
Contributions10/11€1k€1k=
Reserves13€214k€371k▲
Distributable reserves133€214k€371k▲
Amounts payable17/49€70k€51k▼
Amounts payable within one year42/48€68k€50k▼
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€36k€47k▲
Taxes450/3€36k€47k▲
Other amounts payable47/48€28k€993▼
Accrued charges and deferred income492/3€2k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€173€1k▲
Other operating charges640/8€500€365▼
Gross operating margin9900€157k€206k▲
Operating profit (loss)9901€156k€205k▲
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€3k€1k▼
Recurring financial charges65€3k€1k▼
Profit (loss) for the period before taxes9903€154k€205k▲
Income taxes67/77€35k€47k▲
Profit (loss) for the period9904€119k€157k▲
Profit (loss) for the period to be appropriated9905€119k€157k▲
Appropriation of the result
Profit (loss) to be appropriated9906€119k€157k▲
Transfer to equity691/2€119k€157k▲
To other reserves6921€119k€157k▲
The notes to these accounts (5 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
16-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2023net €157k ▲32.4%
Operating result €205k, net result €157k, both a record.
04-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €200kEq €215k ▲124%
2 profitable years in a row build equity to €215k.
13-04
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, Brugge · 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.
Gistelse Steenweg 6158200 BruggeGround area
25.7 ha
Building footprint
1,693 m²
Volume, LiDAR
2,237 m³
2 parcels, Flanders · tallest building 15.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dr. Gaëlle Moerman
since 20222.338.616.451
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31808M0253/00M002 | Flanders | 25.5 ha | 1 · 1,520 m² | 15.0 m |
| 31027D0049/00F000 | Flanders | 1,328 m² | 1 · 173 m² | 9.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
TERRAN'HEART
BE 0782.981.426
Namur · Eq €371,855
DR. VANHOOREBEECK PATRICK
BE 0832.339.479
Roeselare · Eq €372,007
DOKTER TOM VLEUGELS
BE 0819.236.264
Aarschot · Eq €371,612
La Manivelle
BE 0440.725.339
Liège · Eq €371,572
DOCTEUR ISABELLE HERMANS
BE 0890.941.535
Thuin · Eq €371,540
Of 16,627 companies in sector 86220 we hold annual accounts for 7,974. 6,598 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-10-2022
Fiscal year end30-09
Activities, NACEBEL 2025
86220Specialist medical practice
82990Other business support services
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.