DR. GUY MWANI
ActiveDR. GUY MWANI has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €928k and a net result of €232k. Equity is growing by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 72% of 16527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 5.42 against 3.76 in 2024; short-term debt: 17.8% and cash: 25.2% of total assets), and 17.8% 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 · 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
82.2%
Return on assets
20.6%
Age of the figures
9 mo
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
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
4 d late
2024
31 d early
2023
34 d early
2022
20 d early
2021
48 d early
2020
33 d early
2019
25 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€928k▲ 22.8%
2024 · €756k
2018: €544k
2019: €589k
2020: €638k
2021: €699k
2022: €724k
2023: €866k
2024: €756k
2018 → 2025
Total assets
€1.13M▲ 11.8%
2024 · €1.01M
2018: €563k
2019: €606k
2020: €658k
2021: €716k
2022: €764k
2023: €908k
2024: €1.01M
2018 → 2025
Net result
€232k▲ 16.8%
2024 · €199k
2018: €101k
2019: €45k
2020: €49k
2021: €61k
2022: €130k
2023: €142k
2024: €199k
2018 → 2025
Working capital
€888k▲ 26.6%
2024 · €702k
2018: €505k
2019: €588k
2020: €601k
2021: €671k
2022: €705k
2023: €795k
2024: €702k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€699k-€724k▲ 3.6%€866k▲ 19.7%€756k▼ 12.7%€928k▲ 22.8%
Operating result€90k-€189k▲ 109%€195k▲ 3.0%€275k▲ 41.2%€327k▲ 19.1%
Net result€61k-€130k▲ 114%€142k▲ 9.2%€199k▲ 39.9%€232k▲ 16.8%
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; 2025 is 19% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.13M
Fixed assets
€40k▼ 26.7%
Current assets
€1.09M▲ 13.9%
Equity and liabilities €1.13M
Equity
€928k▲ 22.8%
Debt
€201k▼ 21.1%
The debt ratio falls from 25.2% to 17.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€344k▲
2024 · €292k
Cash flow
€249k▲
2024 · €216k
Solvency
82.2%▲
2024 · 74.8%
Current ratio
5.42▲
2024 · 3.76
Quick ratio
5.42▲
2024 · 3.76
Debt / equity
0.22▼
2024 · 0.34
ROE
25.0%▼
2024 · 26.3%
ROA
20.6%▲
2024 · 19.7%
Interest coverage
75.50▼
2024 · 251.37
Debt
€201k▼
2024 · €254k
Debt ≤ 1 year
€201k▼
2024 · €254k
Income taxes
€107k▲
2024 · €86k
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€1.01M€1.13M▲
Fixed assets21/28€54k€40k▼
Tangible fixed assets22/27€54k€40k▼
Plant, machinery and equipment23€17€2k▲
Furniture and vehicles24€54k€38k▼
Current assets29/58€956k€1.09M▲
Amounts receivable within one year40/41€111k€110k▼
Trade receivables40€111k€110k▼
Current investments50/53€632k€694k▲
Cash at bank and in hand54/58€212k€284k▲
Deferred charges and accrued income490/1€942€1,000▲
Equity and liabilities
Total equity and liabilities10/49€1.01M€1.13M▲
Equity10/15€756k€928k▲
Contributions10/11€20k€20k=
Reserves13€736k€908k▲
Distributable reserves133€736k€908k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€254k€201k▼
Amounts payable within one year42/48€254k€201k▼
Trade debts44€795€3k▲
Suppliers440/4€795€3k▲
Taxes, remuneration and social security45€30k€31k▲
Taxes450/3€26k€27k▲
Remuneration and social security454/9€4k€4k=
Other amounts payable47/48€224k€167k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k▲
Other operating charges640/8€889€2k▲
Gross operating margin9900€292k€346k▲
Operating profit (loss)9901€275k€327k▲
Financial income75/76B€12k€17k▲
Recurring financial income75€12k€17k▲
Financial charges65/66B€1k€5k▲
Recurring financial charges65€1k€5k▲
Profit (loss) for the period before taxes9903€285k€340k▲
Income taxes67/77€86k€107k▲
Profit (loss) for the period9904€199k€232k▲
Profit (loss) for the period to be appropriated9905€199k€232k▲
Appropriation of the result
Profit (loss) to be appropriated9906€199k€232k▲
Transfer from equity791/2€309k€60k▼
Transfer to equity691/2€199k€232k▲
To other reserves6921€199k€232k▲
Profit to be distributed694/7€309k€60k▼
Return on contributions (dividend)694€309k€60k▼
The notes to these accounts (10 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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
31-12
Financial
Highest result since 2018net €232k ▲16.8%
Operating result €327k, net result €232k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €45k ▼55.3%
Net result drops to €45k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
15-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Heusden-Zolder · 1 establishment unit since 2010
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.
Tulpenlaan 503550 Heusden-ZolderGround area
1,597 m²
Building footprint
140 m²
Volume, LiDAR
887 m³
Parcel 71462C0067/00H024, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Tulpenlaan 50, 3550 Heusden-Zolder
since 20102.190.017.005
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71462C0067/00H024 | Flanders | 1,597 m² | 1 · 140 m² | 8.8 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.
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Of 16,628 companies in sector 86220 we hold annual accounts for 7,973. 5,855 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-06-2010
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.