Dr. J. Van Cutsem
ActiveDr. J. Van Cutsem has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €378k and a net result of €129k. Equity is growing by ~51.2% per year across the filed fiscal years. Its solvency ranks better than 73% of 16459 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
89
/ 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
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 5.96 against 4.17 in 2024; short-term debt: 16.8% and cash: 11.6% of total assets), and 16.8% 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+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
83.2%
Return on assets
28.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-05-2026, 81 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
81 d early
2024
20 d early
2023
34 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€378k▲ 51.7%
2024 · €249k
2023: €123k
2024: €249k
2023 → 2025
Total assets
€454k▲ 38.6%
2024 · €328k
2023: €164k
2024: €328k
2023 → 2025
Net result
€129k▲ 1.7%
2024 · €127k
2023: €121k
2024: €127k
2023 → 2025
Working capital
€377k▲ 52.0%
2024 · €248k
2023: €123k
2024: €248k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€123k-€249k▲ 103%€378k▲ 51.7%
Operating result€157k-€161k▲ 2.6%€160k▼ 0.3%
Net result€121k-€127k▲ 4.5%€129k▲ 1.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €454k
Fixed assets
€881▼ 20.3%
Current assets
€453k▲ 38.8%
Equity and liabilities €454k
Equity
€378k▲ 51.7%
Debt
€76k▼ 3.0%
The debt ratio falls from 23.9% to 16.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€160k▼
2024 · €161k
Cash flow
€129k▲
2024 · €127k
Solvency
83.2%▲
2024 · 76.1%
Current ratio
5.96▲
2024 · 4.17
Quick ratio
5.96▲
2024 · 4.17
Debt / equity
0.20▼
2024 · 0.31
ROE
34.1%▼
2024 · 50.8%
ROA
28.4%▼
2024 · 38.6%
Interest coverage
3397.26▲
2024 · 2286.25
Debt
€76k▼
2024 · €78k
Debt ≤ 1 year
€76k▼
2024 · €78k
Income taxes
€37k▲
2024 · €37k
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€328k€454k▲
Fixed assets21/28€1k€881▼
Tangible fixed assets22/27€1k€881▼
Furniture and vehicles24€1k€881▼
Current assets29/58€327k€453k▲
Amounts receivable within one year40/41€3k€489▼
Trade receivables40€3k€489▼
Other amounts receivable41€252-
Current investments50/53€200k€375k▲
Cash at bank and in hand54/58€101k€53k▼
Deferred charges and accrued income490/1€23k€25k▲
Equity and liabilities
Total equity and liabilities10/49€328k€454k▲
Equity10/15€249k€378k▲
Contributions10/11€2k€2k=
Reserves13€248k€377k▲
Distributable reserves133€248k€377k▲
Amounts payable17/49€78k€76k▼
Amounts payable within one year42/48€78k€76k▼
Trade debts44€3k€199▼
Suppliers440/4€3k€199▼
Taxes, remuneration and social security45€72k€72k=
Taxes450/3€72k€72k=
Other amounts payable47/48€4k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18€225▲
Other operating charges640/8€433€844▲
Gross operating margin9900€161k€161k▲
Operating profit (loss)9901€161k€160k▼
Financial income75/76B€3k€6k▲
Recurring financial income75€3k€6k▲
Financial charges65/66B€70€47▼
Recurring financial charges65€70€47▼
Profit (loss) for the period before taxes9903€164k€166k▲
Income taxes67/77€37k€37k▲
Profit (loss) for the period9904€127k€129k▲
Profit (loss) for the period to be appropriated9905€127k€129k▲
Appropriation of the result
Profit (loss) to be appropriated9906€127k€129k▲
Transfer to equity691/2€127k€129k▲
To other reserves6921€127k€129k▲
The notes to these accounts (4 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
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €129k ▲1.7%
Net result €129k, the highest in the series.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €249k ▲103%
2 profitable years in a row build equity to €249k.
27-06
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, Roeselare · 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.
Sint-Michielsstraat 38800 RoeselareGround area
1,491 m²
Building footprint
1,491 m²
Volume, LiDAR
19,226 m³
Parcel 36503C1580/00H000, Flanders · tallest building 22.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Dr. J. Van Cutsem
since 20222.338.415.721
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36503C1580/00H000 | Flanders | 1,491 m² | 1 · 1,491 m² | 22.8 m · 5 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 5,984 companies in sector 86940 we hold annual accounts for 1,809. 1,098 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-10-2022
Fiscal year end31-12
Abbreviation NL
Dr. JVC
Activities, NACEBEL
86906Human health activities
86940Nursing and midwifery
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.