Dr. Marjolein Truyers
ActiveSummary
Dr. Marjolein Truyers has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €144k and a net result of €62k. Equity is shrinking by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 18% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-4
Solvency42▼-1
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.37 against 0.54 in 2024; short-term debt: 21.3% and cash: 7.8% of total assets), and 83% 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
17%
Return on assets
7.3%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 18% of 16546 sector peers (2025).
NBB · sector comparisonPosition among 16546 sector peers
Solvency
better than 18%
← 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 18-08-2026, 18 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 · 10 filingsDeviation from the deadline
2025
18 d late
2024
12 d late
2023
7 d late
2022
153 d late
2021
31 d late
2020
31 d late
2019
92 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
€144k▼ 18.3%
2024 · €177k
2018: €154k
2019: €205k
2020: €269k
2021: €269k
2022: €208k
2023: €177k
2024: €177k
2018 → 2025
Total assets
€847k▼ 12.7%
2024 · €970k
2018: €323k
2019: €352k
2020: €410k
2021: €684k
2022: €918k
2023: €1.10M
2024: €970k
2018 → 2025
Net result
€62k▼ 37.4%
2024 · €99k
2018: €43k
2019: €51k
2020: €64k
2021: €38k
2022: €87k
2023: €81k
2024: €99k
2018 → 2025
Working capital
€-114k▼ 9.4%
2024 · €-104k
2018: €80k
2019: €141k
2020: €187k
2021: €169k
2022: €209k
2023: €-64k
2024: €-104k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€269k-€208k▼ 22.7%€177k▼ 15.0%€177k=€144k▼ 18.3%
Operating result€56k-€121k▲ 116%€109k▼ 9.7%€148k▲ 35.7%€99k▼ 33.2%
Net result€38k-€87k▲ 127%€81k▼ 7.5%€99k▲ 22.4%€62k▼ 37.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €847k
Fixed assets
€781k ▼ 7.9%
Current assets
€67k ▼ 45.6%
Equity and liabilities €847k
Equity
€144k ▼ 18.3%
Debt
€703k ▼ 11.4%
Debt's share of the balance-sheet total rises from 81.8% to 83.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€173k▼
2024 · €226k
Cash flow
€137k▼
2024 · €177k
Current ratio
0.37▼
2024 · 0.54
Debt to equity
4.87▲
2024 · 4.49
ROE
42.9%▼
2024 · 56.0%
ROA
7.3%▼
2024 · 10.2%
Interest coverage
14.72▲
2024 · 10.30
Debt ≤ 1 year
€180k▼
2024 · €226k
Debt > 1 year
€517k▼
2024 · €561k
Income taxes
€25k▼
2024 · €27k
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€970k€847k▼
Fixed assets21/28€848k€781k▼
Tangible fixed assets22/27€848k€781k▼
Land and buildings22€676k€629k▼
Plant, machinery and equipment23€170k€148k▼
Furniture and vehicles24€2k€4k▲
Current assets29/58€122k€67k▼
Amounts receivable within one year40/41€38k€469▼
Other amounts receivable41€38k€469▼
Cash at bank and in hand54/58€84k€66k▼
Equity and liabilities
Total equity and liabilities10/49€970k€847k▼
Equity10/15€177k€144k▼
Contributions10/11€19k€19k=
Reserves13€158k€126k▼
Non-distributable reserves130/1€158k-
Other1319€158k-
Distributable reserves133-€126k
Amounts payable17/49€793k€703k▼
Amounts payable after more than one year17€561k€517k▼
Financial debts170/4€561k€517k▼
Amounts payable within one year42/48€226k€180k▼
Current portion of amounts payable after more than one year42€37k€38k▲
Trade debts44€14k€195▼
Suppliers440/4€14k€195▼
Taxes, remuneration and social security45€18k-
Taxes450/3€15k-
Remuneration and social security454/9€3k-
Other amounts payable47/48€157k€142k▼
Accrued charges and deferred income492/3€6k€6k=
Income statement
Code20242025
Non-recurring operating income76A€73k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€78k€75k▼
Other operating charges640/8€7k€4k▼
Gross operating margin9900€232k€177k▼
Operating profit (loss)9901€148k€99k▼
Financial income75/76B€453€524▲
Recurring financial income75€453€524▲
Financial charges65/66B€22k€12k▼
Recurring financial charges65€22k€12k▼
Profit (loss) for the period before taxes9903€126k€87k▼
Income taxes67/77€27k€25k▼
Profit (loss) for the period9904€99k€62k▼
Profit (loss) for the period to be appropriated9905€99k€62k▼
Appropriation of the result
Profit (loss) to be appropriated9906€99k€62k▼
Transfer from equity791/2-€94k
Transfer to equity691/2-€62k
To other reserves6921-€62k
Profit to be distributed694/7€99k€94k▼
Return on contributions (dividend)694€99k€94k▼
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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
31-12
Financial
Highest result since 2018net €99k ▲22.4%
Operating result €148k, net result €99k, both a record.
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2023
31-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 153 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €38k ▼39.8%
Net result drops to €38k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 9.57
Current ratio from 3.82 to 9.57; short-term debt falls from €28k to €16k.
31-12
Financial
Equity above €200kEq €205k ▲33.5%
2 profitable years in a row build equity to €205k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
12-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 43 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Mechelen · 1 establishment unit since 2013
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.
Magdalenasteenweg(MZN) 462812 MechelenGround area
580 m²
Building footprint
287 m²
Volume, LiDAR
1,327 m³
2 parcels, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Magdalenasteenweg(MZN) '46, 2812 Mechelen
since 20132.225.469.911
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12409A0361/00Z000 | Flanders | 498 m² | 1 · 229 m² | 7.4 m · 1 fl. |
| 12409A0230/00P002 | Flanders | 82 m² | 1 · 59 m² | 9.9 m · 2 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. 5,453 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
Founded18-11-2013
Fiscal year end31-12
Activities, NACEBEL 2025
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.