Dr. Julie Cauwelier
ActiveSummary
Dr. Julie Cauwelier has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €137k and a net result of €132k. Equity is growing by ~33.1% per year across the filed fiscal years. Its solvency ranks better than 20% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-8
Solvency45▼-55
Growth78=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.37 against 8.96 in 2024; short-term debt: 38.1% and cash: 40.8% of total assets), and 80.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
19.7%
Return on assets
19%
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 20% of 16546 sector peers (2025).
NBB · sector comparisonPosition among 16546 sector peers
Solvency
better than 20%
← 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 28-08-2026, 28 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 · 4 filingsDeviation from the deadline
2025
28 d late
2024
14 d early
2023
30 d late
2022
29 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
€137k▼ 64.0%
2024 · €382k
2022: €123k
2023: €245k
2024: €382k
2022 → 2025
Total assets
€697k▲ 61.6%
2024 · €431k
2022: €171k
2023: €325k
2024: €431k
2022 → 2025
Net result
€132k▼ 2.9%
2024 · €136k
2022: €118k
2023: €122k
2024: €136k
2022 → 2025
Working capital
€98k▼ 74.4%
2024 · €382k
2022: €116k
2023: €243k
2024: €382k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€123k-€245k▲ 99.1%€382k▲ 55.5%€137k▼ 64.0%
Operating result€154k-€156k▲ 1.0%€172k▲ 10.3%€154k▼ 10.4%
Net result€118k-€122k▲ 3.3%€136k▲ 11.5%€132k▼ 2.9%
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 10% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €697k
Fixed assets
€334k ▲ 21,920%
Current assets
€363k ▼ 15.5%
Equity and liabilities €697k
Equity
€137k ▼ 64.0%
Debt
€559k ▲ 1,029%
Debt's share of the balance-sheet total rises from 11.5% to 80.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€213k▲
2024 · €175k
Cash flow
€192k▲
2024 · €140k
Current ratio
1.37▼
2024 · 8.96
Debt to equity
4.07▲
2024 · 0.13
ROE
96.4%▲
2024 · 35.7%
ROA
19.0%▼
2024 · 31.6%
Interest coverage
128.65▼
2024 · 347.70
Debt ≤ 1 year
€265k▲
2024 · €48k
Debt > 1 year
€293k
Income taxes
€35k▼
2024 · €40k
Staff costs
€717▼
2024 · €838
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€431k€697k▲
Fixed assets21/28€2k€334k▲
Tangible fixed assets22/27€2k€334k▲
Land and buildings22-€300k
Furniture and vehicles24€2k€34k▲
Current assets29/58€430k€363k▼
Amounts receivable within one year40/41€13k€13k▲
Trade receivables40€6k€30▼
Other amounts receivable41€7k€13k▲
Current investments50/53€348k€52k▼
Cash at bank and in hand54/58€56k€284k▲
Deferred charges and accrued income490/1€13k€14k▲
Equity and liabilities
Total equity and liabilities10/49€431k€697k▲
Equity10/15€382k€137k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€377k€132k▼
Amounts payable17/49€50k€559k▲
Amounts payable after more than one year17-€293k
Financial debts170/4-€293k
Amounts payable within one year42/48€48k€265k▲
Current portion of amounts payable after more than one year42-€27k
Trade debts44€1k€898▼
Suppliers440/4€1k€898▼
Taxes, remuneration and social security45€43k€43k=
Taxes450/3€40k€40k=
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€4k€194k▲
Accrued charges and deferred income492/3€2k€833▼
Income statement
Code20242025
Non-recurring operating income76A-€500
Remuneration, social security and pensions62€838€717▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€60k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€34€0▼
Other operating charges640/8€607€336▼
Gross operating margin9900€177k€215k▲
Operating profit (loss)9901€172k€154k▼
Financial income75/76B€5k€15k▲
Recurring financial income75€5k€15k▲
Financial charges65/66B€504€2k▲
Recurring financial charges65€504€2k▲
Profit (loss) for the period before taxes9903€176k€167k▼
Income taxes67/77€40k€35k▼
Profit (loss) for the period9904€136k€132k▼
Profit (loss) for the period to be appropriated9905€136k€132k▼
Appropriation of the result
Profit (loss) to be appropriated9906€377k€509k▲
Profit (loss) brought forward from the previous period14P€240k€377k▲
Profit to be distributed694/7-€377k
Return on contributions (dividend)694-€377k
The notes to these accounts (11 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €136k ▲11.5%
Operating result €172k, net result €136k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 8.96
Current ratio from 4.07 to 8.96; short-term debt falls from €79k to €48k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €200kEq €245k ▲99.1%
2 profitable years in a row build equity to €245k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Koksijde · 1 establishment unit since 2021
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.
Leopold II Laan(Odk) 2238670 KoksijdeGround area
1,059 m²
Building footprint
905 m²
Volume, LiDAR
9,362 m³
2 parcels, Flanders · tallest building 22.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Dr. Julie Cauwelier
since 20212.322.067.162
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38502F1109/00A000 | Flanders | 628 m² | 1 · 474 m² | 18.8 m · 2 fl. |
| 38502F0147/00A000 | Flanders | 431 m² | 1 · 431 m² | 22.3 m · 6 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.
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Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 5,446 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
Founded17-09-2021
Fiscal year end31-12
Activities, NACEBEL 2025
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:cauwelierjulie@gmail.com
Phone:+32(473)605794