DR HELENE DESCAMPS
ActiveSummary
DR HELENE DESCAMPS has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €73k and a net result of €87k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 13% of 19908 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-31
Solvency59▲+18
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.43 against 1.11 in 2024; short-term debt: 53% and cash: 17.3% of total assets), and 66.3% 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 2025Solvency, return and age of the figures
Solvency
33.7%
Return on assets
40.5%
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 13% of 19908 sector peers (2024).
NBB · sector comparisonPosition among 19908 sector peers
Solvency
better than 13%
← 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 22-09-2026, 53 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 · 7 filingsDeviation from the deadline
2025
53 d late
2024
30 d late
2023
30 d late
2022
56 d late
2021
30 d late
2020
57 d late
2019
73 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€73k▲ 256%
2024 · €20k
2019: €77k
2020: €69k
2021: €139k
2022: €20k
2023: €20k
2024: €20k
2019 → 2025
Total assets
€215k▲ 64.2%
2024 · €131k
2019: €127k
2020: €123k
2021: €192k
2022: €106k
2023: €133k
2024: €131k
2019 → 2025
Net result
€87k▼ 29.0%
2024 · €123k
2019: €59k
2020: €-8k
2021: €70k
2022: €79k
2023: €108k
2024: €123k
2019 → 2025
Working capital
€49k▲ 314%
2024 · €12k
2019: €55k
2020: €46k
2021: €124k
2022: €15k
2023: €12k
2024: €12k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€139k-€20k▼ 85.3%€20k=€20k=€73k▲ 256%
Operating result€89k-€104k▲ 16.5%€140k▲ 35.1%€160k▲ 13.7%€206k▲ 29.0%
Net result€70k-€79k▲ 13.2%€108k▲ 36.6%€123k▲ 13.9%€87k▼ 29.0%
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 29% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €215k
Fixed assets
€52k ▲ 513%
Current assets
€164k ▲ 33.4%
Equity and liabilities €215k
Equity
€73k ▲ 256%
Debt
€143k ▲ 28.9%
Debt's share of the balance-sheet total falls from 84.4% to 66.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€216k▲
2024 · €163k
Cash flow
€97k▼
2024 · €126k
Current ratio
1.43▲
2024 · 1.11
Debt to equity
1.97▼
2024 · 5.43
ROE
120.1%▼
2024 · 601.6%
ROA
40.5%▼
2024 · 93.6%
Interest coverage
2.24▼
2024 · 321.16
Debt ≤ 1 year
€114k▲
2024 · €111k
Debt > 1 year
€29k
Income taxes
€22k▼
2024 · €36k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€131k€215k▲
Formation expenses20€0-
Fixed assets21/28€8k€52k▲
Tangible fixed assets22/27€8k€52k▲
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€2k€47k▲
Current assets29/58€123k€164k▲
Amounts receivable within one year40/41€99k€125k▲
Other amounts receivable41€99k€125k▲
Cash at bank and in hand54/58€21k€37k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€131k€215k▲
Equity10/15€20k€73k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14-€52k
Amounts payable17/49€111k€143k▲
Amounts payable after more than one year17-€29k
Financial debts170/4-€29k
Amounts payable within one year42/48€111k€114k▲
Current portion of amounts payable after more than one year42-€11k
Trade debts44€1k€6k▲
Suppliers440/4€1k€6k▲
Taxes, remuneration and social security45€34k€19k▼
Taxes450/3€34k€19k▼
Other amounts payable47/48€75k€78k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€10k▲
Other operating charges640/8€503€1k▲
Gross operating margin9900€164k€217k▲
Operating profit (loss)9901€160k€206k▲
Financial charges65/66B€508€96k▲
Recurring financial charges65€508€96k▲
Profit (loss) for the period before taxes9903€159k€110k▼
Income taxes67/77€36k€22k▼
Profit (loss) for the period9904€123k€87k▼
Profit (loss) for the period to be appropriated9905€123k€87k▼
Appropriation of the result
Profit (loss) to be appropriated9906€123k€87k▼
Profit to be distributed694/7€123k€35k▼
Return on contributions (dividend)694€123k€35k▼
The notes to these accounts (8 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
22-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 53 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Highest result since 2019net €123k ▲13.9%
Net result €123k, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
25-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 56 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Back to profitnet €70k
Net result €70k after one loss-making year.
31-12
Financial
Equity above €100kEq €139k ▲101%
Equity rises from €69k to €139k.
26-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 57 days late
2020
31-12
Financial
Weakest financial yearnet €-8k ▼114%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
12-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 73 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Chaudfontaine · 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.
Drève St-Lambert 144052 Chaudfontaine1 establishment unit
DR HELENE DESCAMPS
since 20182.281.766.038
Recognitions · licences · registrations
Legal Entity Identifier
254900DDNPHUHU7TJL30
Similar companies · same sector, comparable size
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Of 16,627 companies in sector 86220 we hold annual accounts for 7,974. 3,192 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
Founded25-10-2018
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filings
Scores and ratios are computed by Checked and are not a credit decision.