Dr. Julie Van Acker
ActiveDr. Julie Van Acker has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €194k and a net result of €100k. Equity is growing by ~91.3% per year across the filed fiscal years. Its solvency ranks better than 67% of 16511 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
98
/ 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
Profitability100=
Solvency100▲+13
Growth78=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 4.96 against 3.04 in 2024; short-term debt: 11.2% and cash: 39% of total assets), and 21.6% 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
78.4%
Return on assets
40.4%
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 07-05-2026, 85 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
85 d early
2024
28 d late
2023
23 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€194k▲ 106%
2024 · €94k
2023: €22k
2024: €94k
2023 → 2025
Total assets
€247k▲ 62.0%
2024 · €152k
2023: €32k
2024: €152k
2023 → 2025
Net result
€100k▲ 37.7%
2024 · €72k
2023: €18k
2024: €72k
2023 → 2025
Working capital
€109k▲ 136%
2024 · €46k
2023: €19k
2024: €46k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€22k-€94k▲ 322%€194k▲ 106%
Operating result€23k-€93k▲ 307%€128k▲ 38.3%
Net result€18k-€72k▲ 300%€100k▲ 37.7%
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 two years in a row; 2025 is 38% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €247k
Fixed assets
€110k▲ 31.7%
Current assets
€137k▲ 98.7%
Equity and liabilities €247k
Equity
€194k▲ 106%
Debt
€53k▼ 9.0%
The debt ratio falls from 38.4% to 21.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€140k▲
2024 · €101k
Cash flow
€112k▲
2024 · €81k
Solvency
78.4%▲
2024 · 61.6%
Current ratio
4.96▲
2024 · 3.04
Quick ratio
4.96▲
2024 · 3.04
Debt / equity
0.27▼
2024 · 0.62
ROE
51.5%▼
2024 · 77.2%
ROA
40.4%▼
2024 · 47.6%
Interest coverage
64.96▼
2024 · 66.12
Debt
€53k▼
2024 · €58k
Debt ≤ 1 year
€28k▲
2024 · €23k
Debt > 1 year
€25k▼
2024 · €36k
Income taxes
€28k▲
2024 · €19k
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€152k€247k▲
Fixed assets21/28€83k€110k▲
Tangible fixed assets22/27€48k€41k▼
Furniture and vehicles24€48k€41k▼
Financial fixed assets28€35k€69k▲
Current assets29/58€69k€137k▲
Amounts receivable within one year40/41€3k€35k▲
Trade receivables40-€640
Other amounts receivable41€3k€35k▲
Cash at bank and in hand54/58€61k€96k▲
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€152k€247k▲
Equity10/15€94k€194k▲
Contributions10/11€5k€5k=
Reserves13€89k€189k▲
Distributable reserves133€89k€189k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€58k€53k▼
Amounts payable after more than one year17€36k€25k▼
Financial debts170/4€36k€25k▼
Amounts payable within one year42/48€23k€28k▲
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€7k€12k▲
Taxes450/3€7k€12k▲
Other amounts payable47/48€3k€4k▲
Accrued charges and deferred income492/3€288€309▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€12k▲
Other operating charges640/8€192€296▲
Gross operating margin9900€101k€140k▲
Operating profit (loss)9901€93k€128k▲
Financial income75/76B€319€2k▲
Recurring financial income75€319€2k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€91k€127k▲
Income taxes67/77€19k€28k▲
Profit (loss) for the period9904€72k€100k▲
Profit (loss) for the period to be appropriated9905€72k€100k▲
Appropriation of the result
Profit (loss) to be appropriated9906€72k€100k▲
Transfer to equity691/2€72k€100k▲
To other reserves6921€72k€100k▲
Profit to be distributed694/7€859€0▼
Return on contributions (dividend)694€859€0▼
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
07-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €100k ▲37.7%
Operating result €128k, net result €100k, both a record.
31-12
Financial
Equity above €150kEq €194k ▲106%
3 profitable years in a row build equity to €194k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2023
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.
Grote Baan(MEL) 1279120 Beveren-Kruibeke-ZwijndrechtGround area
2,648 m²
Building footprint
870 m²
Volume, LiDAR
3,374 m³
Parcel 46016C0434/00Y003, Flanders · tallest building 13.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Dr. Julie Van Acker
since 20232.349.440.562
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46016C0434/00Y003 | Flanders | 2,648 m² | 1 · 870 m² | 13.2 m · 1 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. 5,410 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-09-2023
Fiscal year end31-12
Activities, NACEBEL
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.