Dr. Jolien Zwaneveld
ActiveSummary
Dr. Jolien Zwaneveld has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13k and a net result of €11k. Its solvency ranks better than 51% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency89
Growth-
Track record67
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 3.83; short-term debt: 26.1% and cash: 66.1% of total assets), and 36.1% 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
63.9%
Return on assets
52.6%
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 01-04-2026, 121 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
121 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€13k
Total assets
€21k
Net result
€11k
Working capital
€15k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €21k
Equity
€13k
Debt
€8k
Debt finances 36.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€17k
Cash flow
€13k
Current ratio
3.83
Debt to equity
0.56
ROE
82.2%
ROA
52.6%
Interest coverage
70.94
Debt ≤ 1 year
€5k
Income taxes
€3k
Filed annual accounts As filed with the NBB · 2025 · 31 lines
Balance sheet
Code2025
Assets
Total assets20/58€21k
Current assets29/58€21k
Cash at bank and in hand54/58€14k
Deferred charges and accrued income490/1€7k
Equity and liabilities
Total equity and liabilities10/49€21k
Equity10/15€13k
Contributions10/11€3k
Reserves13€10k
Distributable reserves133€10k
Amounts payable17/49€8k
Amounts payable within one year42/48€5k
Trade debts44€426
Suppliers440/4€426
Taxes, remuneration and social security45€3k
Taxes450/3€3k
Other amounts payable47/48€2k
Accrued charges and deferred income492/3€2k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k
Gross operating margin9900€17k
Operating profit (loss)9901€14k
Financial charges65/66B€233
Recurring financial charges65€233
Profit (loss) for the period before taxes9903€14k
Income taxes67/77€3k
Profit (loss) for the period9904€11k
Profit (loss) for the period to be appropriated9905€11k
Appropriation of the result
Profit (loss) to be appropriated9906€11k
Transfer to equity691/2€10k
To other reserves6921€10k
Profit to be distributed694/7€630
Return on contributions (dividend)694€630
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
01-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Putte · 1 establishment unit since 2025
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.
Bloemenweg 52580 PutteGround area
1,451 m²
Building footprint
177 m²
Volume, LiDAR
119 m³
Parcel 12029A0752/00Y003, Flanders · tallest building 8.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Dr. Jolien Zwaneveld
since 20252.377.876.014
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12029A0752/00Y003 | Flanders | 1,451 m² | 1 · 177 m² | 8.4 m · 3 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 9,124 companies in sector 86210 we hold annual accounts for 6,337. 2,598 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
Founded19-08-2025
Fiscal year end31-12
Activities, NACEBEL 2025
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.