Dr. Katrien Bruyninckx
ActiveSummary
Dr. Katrien Bruyninckx has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €137k and a net result of €17k. Equity is growing by ~27.2% per year across the filed fiscal years. Its solvency ranks better than 71% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-18
Solvency100=
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 3.98 against 6.75 in 2024; short-term debt: 18.4% and cash: 52.1% of total assets), and 18.4% 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 · 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
81.6%
Return on assets
10.2%
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 12-05-2026, 80 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
80 d early
2024
29 d late
2023
64 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▼ 21.7%
2024 · €175k
2023: €62k
2024: €175k
2023 → 2025
Total assets
€168k▼ 14.2%
2024 · €195k
2023: €113k
2024: €195k
2023 → 2025
Net result
€17k▼ 84.7%
2024 · €112k
2023: €70k
2024: €112k
2023 → 2025
Working capital
€92k▼ 22.8%
2024 · €119k
2023: €-4k
2024: €119k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€62k-€175k▲ 180%€137k▼ 21.7%
Operating result€93k-€143k▲ 53.7%€22k▼ 84.8%
Net result€70k-€112k▲ 59.8%€17k▼ 84.7%
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 85% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €168k
Fixed assets
€45k ▼ 19.1%
Current assets
€123k ▼ 12.2%
Equity and liabilities €168k
Equity
€137k ▼ 21.7%
Debt
€31k ▲ 49.0%
Debt's share of the balance-sheet total rises from 10.6% to 18.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€32k▼
2024 · €154k
Cash flow
€28k▼
2024 · €123k
Current ratio
3.98▼
2024 · 6.75
Debt to equity
0.23▲
2024 · 0.12
ROE
12.5%▼
2024 · 64.2%
ROA
10.2%▼
2024 · 57.4%
Interest coverage
92.63▼
2024 · 3545.62
Debt ≤ 1 year
€31k▲
2024 · €21k
Income taxes
€5k▼
2024 · €31k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€195k€168k▼
Fixed assets21/28€55k€45k▼
Intangible fixed assets21€24k€21k▼
Tangible fixed assets22/27€31k€23k▼
Land and buildings22€14k€12k▼
Plant, machinery and equipment23€3k€858▼
Furniture and vehicles24€15k€10k▼
Financial fixed assets28€600€600=
Current assets29/58€140k€123k▼
Amounts receivable within one year40/41€28k-
Other amounts receivable41€28k-
Current investments50/53-€27k
Cash at bank and in hand54/58€82k€87k▲
Deferred charges and accrued income490/1€30k€8k▼
Equity and liabilities
Total equity and liabilities10/49€195k€168k▼
Equity10/15€175k€137k▼
Contributions10/11€1k€1k=
Reserves13€174k€136k▼
Distributable reserves133€174k€136k▼
Amounts payable17/49€21k€31k▲
Amounts payable within one year42/48€21k€31k▲
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€17k€22k▲
Taxes450/3€17k€22k▲
Other amounts payable47/48-€8k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▼
Other operating charges640/8€387€400▲
Gross operating margin9900€155k€33k▼
Operating profit (loss)9901€143k€22k▼
Financial income75/76B€0€224▲
Recurring financial income75€0€224▲
Financial charges65/66B€44€351▲
Recurring financial charges65€44€351▲
Profit (loss) for the period before taxes9903€143k€22k▼
Income taxes67/77€31k€5k▼
Profit (loss) for the period9904€112k€17k▼
Profit (loss) for the period to be appropriated9905€112k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€112k€17k▼
Transfer from equity791/2-€55k
Transfer to equity691/2€112k€17k▼
To other reserves6921€112k€17k▼
Profit to be distributed694/7-€55k
Return on contributions (dividend)694-€55k
The notes to these accounts (8 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
12-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €17k ▼84.7%
Net result drops to €17k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2023net €112k ▲59.8%
Operating result €143k, net result €112k, both a record.
31-12
Financial
Liquidity times 7current ratio 6.75
Current ratio from 0.92 to 6.75; short-term debt falls from €50k to €21k.
31-12
Financial
Equity above €150kEq €175k ▲180%
2 profitable years in a row build equity to €175k.
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 64 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, Aarschot · 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.
Vennestraat 1133201 AarschotGround area
2,147 m²
Building footprint
621 m²
Volume, LiDAR
2,711 m³
2 parcels, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HG
since 20232.347.999.321
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24652G0575/00M000 | Flanders | 1,686 m² | 1 · 161 m² | 6.6 m · 2 fl. |
| 24652G0186/00P000 | Flanders | 460 m² | 1 · 460 m² | 8.6 m · 1 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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IMMOJUMED
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Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 5,447 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
Founded12-07-2023
Fiscal year end31-12
Activities, NACEBEL 2025
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.