Dr. Lize Schroé
ActiveSummary
Dr. Lize Schroé has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100k and a net result of €30k. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 13% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+25
Solvency34▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.35 against 0.13 in 2024; short-term debt: 15.2% and cash: 5% of total assets), and 90.8% 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 →
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
9.2%
Return on assets
2.8%
Age of the figures
9 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 16546 sector peers (2025).
NBB · sector comparisonPosition among 16546 sector peers
Solvency
better than 13%
← 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 31-08-2026, 31 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
61 d late
2022
31 d late
2021
30 d late
2020
30 d late
2019
94 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
€100k▲ 41.9%
2024 · €70k
2019: €59k
2020: €77k
2021: €81k
2022: €80k
2023: €86k
2024: €70k
2019 → 2025
Total assets
€1.08M▼ 0.9%
2024 · €1.09M
2019: €101k
2020: €134k
2021: €380k
2022: €541k
2023: €1.08M
2024: €1.09M
2019 → 2025
Net result
€30k
2024 · €-15k
2019: €41k
2020: €19k
2021: €5k
2022: €406
2023: €16k
2024: €-15k
2019 → 2025
Working capital
€-106k▲ 22.3%
2024 · €-137k
2019: €17k
2020: €42k
2021: €49k
2022: €31k
2023: €818
2024: €-137k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€81k-€80k▼ 0.5%€86k▲ 6.8%€70k▼ 18.2%€100k▲ 41.9%
Operating result€11k-€11k▼ 2.5%€28k▲ 159%€-4k€44k
Net result€5k-€406▼ 91.6%€16k▲ 3,906%€-15k€30k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €44k after a loss of €4k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.08M
Fixed assets
€1.02M ▼ 4.4%
Current assets
€58k ▲ 177%
Equity and liabilities €1.08M
Equity
€100k ▲ 41.9%
Debt
€982k ▼ 3.8%
Debt's share of the balance-sheet total falls from 93.6% to 90.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€91k▲
2024 · €37k
Cash flow
€77k▲
2024 · €27k
Current ratio
0.35▲
2024 · 0.13
Debt to equity
9.85▼
2024 · 14.54
ROE
30.4%▲
2024 · -21.0%
ROA
2.8%▲
2024 · -1.4%
Interest coverage
9.28▲
2024 · 3.58
Debt ≤ 1 year
€164k▲
2024 · €158k
Debt > 1 year
€815k▼
2024 · €863k
Income taxes
€4k▲
2024 · €128
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.09M€1.08M▼
Fixed assets21/28€1.07M€1.02M▼
Tangible fixed assets22/27€1.07M€1.02M▼
Land and buildings22€1.04M€1.00M▼
Plant, machinery and equipment23€23k€19k▼
Furniture and vehicles24€4k€3k▼
Assets under construction and advance payments27€0-
Current assets29/58€21k€58k▲
Amounts receivable within one year40/41€6k€872▼
Trade receivables40€198€0▼
Other amounts receivable41€6k€872▼
Cash at bank and in hand54/58€14k€54k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.09M€1.08M▼
Equity10/15€70k€100k▲
Contributions10/11€19k€19k=
Reserves13€52k€81k▲
Distributable reserves133€52k€81k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.02M€982k▼
Amounts payable after more than one year17€863k€815k▼
Financial debts170/4€863k€815k▼
Amounts payable within one year42/48€158k€164k▲
Current portion of amounts payable after more than one year42€48k€48k▲
Trade debts44€100€206▲
Suppliers440/4€100€206▲
Taxes, remuneration and social security45€250€4k▲
Taxes450/3€250€4k▲
Other amounts payable47/48€109k€111k▲
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€47k▲
Other operating charges640/8€1k€4k▲
Gross operating margin9900€38k€95k▲
Operating profit (loss)9901€-4k€44k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€10k€10k▼
Recurring financial charges65€10k€10k▼
Profit (loss) for the period before taxes9903€-15k€34k▲
Income taxes67/77€128€4k▲
Profit (loss) for the period9904€-15k€30k▲
Profit (loss) for the period to be appropriated9905€-15k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€30k▲
Transfer from equity791/2€16k€0▼
Transfer to equity691/2€0€29k▲
To other reserves6921€0€29k▲
Profit to be distributed694/7€833€833=
Return on contributions (dividend)694€833€833=
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €-15k ▼191%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
02-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 94 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, Holsbeek · 1 establishment unit since 2018
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.
Chartreuzenberg 523220 HolsbeekGround area
1,223 m²
Building footprint
157 m²
Volume, LiDAR
889 m³
Parcel 24043E0259/00T000, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dr. Lize Schroé
since 20182.281.870.362
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24043E0259/00T000 | Flanders | 1,223 m² | 1 · 157 m² | 10.8 m · 2 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. 5,268 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
Founded18-09-2018
Fiscal year end31-12
Activities, NACEBEL 2025
86210General medical practice
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.