Financials
- Financial year
- 2025
- Total assets
- €48,815
- Profit
- €36,357
- Solvency
- 76.5%
Dr. Julie Cottem
ActiveSummary
Dr. Julie Cottem has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37,357 and a net result of €36,357. Its solvency ranks better than 65% of 20,397 sector peers (NACE 86, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Activity
General medical practice
NACE 86210
1 site
Size
€48,815total assets 2025
- Equity
- €37,357
- Profit
- €36,357
Turnover not published (micro format)
Structure
Accounts filed 4 days late
Why 97raises riskFounded in 2025lowers riskSector: Human health activities (NACE 86)Liquidity: current ratio 4.10, cash €41,098Equity €37,357 (76.5% of total assets)Show the evidence
Checked score
Score 2025
97
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 80% of its sector peers (NACE 86, micro)
Financial strength
Strong
Solvency
100
equity 76.5% of total assets
Liquidity
92
short-term debt 23.5% · cash 84.2%
Profitability
100
return on assets 74.5%
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
02-2026: 0.3%
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.4%▲ +0.1 percentage points vs 06-2026
08-2026: 0.4%● unchanged vs 07-2026highest value
09-2026: < 0.1%▼ -0.4 percentage points vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026lowest value
Credit of up to €3,500 on 30-day terms is acceptable
Liquidity ample (current ratio 4.1, above the usual 1.5; short-term debt: 23.5% and cash: 84.2% of total assets), and 23.5% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 86, micro): better than 82% on solvency, 77% on liquidity and 80% on profitability.
The bankruptcy probability was computed on 15-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Five signals.
lowers riskraises riskneutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
4 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointment: COTTEM Julie Rita Krista…
Key points
By topic
Timeline
- Events
- 2
- Since
- 2025
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- General medical practiceNACE 86210
- Founded
- 10-01-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 11
- Who signs
- Each director alone
- Annual meeting
- Last Friday of June at 20:00
- Purpose
- “De uitoefening van de geneeskunde als huisarts door de arts-aandeelhouder, met…” (deed in Dutch)
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