DR. MICHEL VAN LOO
ActiveDR. MICHEL VAN LOO has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.34M and a net result of €666k. Equity is growing by ~19.8% per year across the filed fiscal years. Its solvency ranks better than 79% of 2297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (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
Profitability100▲+4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €210k at 30 days acceptable
Liquidity ample (current ratio 10.07 against 7.75 in 2024; short-term debt: 7.6% and cash: 13.1% of total assets), and 13% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
87%
Return on assets
24.7%
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
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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
on the day
2023
on the day
2022
7 d early
2021
3 d early
2020
8 d early
2019
31 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.34M▲ 34.1%
2024 · €1.75M
2018: €550k
2019: €747k
2020: €940k
2021: €1.06M
2022: €877k
2023: €1.28M
2024: €1.75M
2018 → 2025
Total assets
€2.69M▲ 28.6%
2024 · €2.09M
2018: €1.05M
2019: €1.11M
2020: €1.46M
2021: €1.47M
2022: €1.64M
2023: €1.72M
2024: €2.09M
2018 → 2025
Net result
€666k▲ 43.2%
2024 · €465k
2018: €170k
2019: €197k
2020: €193k
2021: €336k
2022: €461k
2023: €405k
2024: €465k
2018 → 2025
Working capital
€1.86M▲ 62.4%
2024 · €1.15M
2018: €106k
2019: €193k
2020: €281k
2021: €365k
2022: €226k
2023: €690k
2024: €1.15M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.06M-€877k▼ 17.6%€1.28M▲ 46.1%€1.75M▲ 36.3%€2.34M▲ 34.1%
Operating result€489k-€636k▲ 30.1%€594k▼ 6.6%€666k▲ 12.1%€925k▲ 38.9%
Net result€336k-€461k▲ 37.0%€405k▼ 12.2%€465k▲ 14.9%€666k▲ 43.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 39% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.69M
Fixed assets
€628k▼ 19.5%
Current assets
€2.07M▲ 57.1%
Equity and liabilities €2.69M
Equity
€2.34M▲ 34.1%
Debt
€351k▲ 0.8%
The debt ratio falls from 16.6% to 13.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1.08M▲
2024 · €828k
Cash flow
€825k▲
2024 · €626k
Solvency
87.0%▲
2024 · 83.4%
Current ratio
10.07▲
2024 · 7.75
Quick ratio
10.07▲
2024 · 7.75
Debt / equity
0.15▼
2024 · 0.20
ROE
28.4%▲
2024 · 26.6%
ROA
24.7%▲
2024 · 22.2%
Interest coverage
144.35▲
2024 · 105.11
Debt
€351k▲
2024 · €348k
Debt ≤ 1 year
€205k▲
2024 · €170k
Debt > 1 year
€136k▼
2024 · €178k
Income taxes
€283k▲
2024 · €214k
Staff costs
€112k▼
2024 · €118k
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€2.09M€2.69M▲
Fixed assets21/28€780k€628k▼
Tangible fixed assets22/27€780k€628k▼
Land and buildings22€623k€518k▼
Plant, machinery and equipment23€9k€5k▼
Furniture and vehicles24€148k€104k▼
Current assets29/58€1.32M€2.07M▲
Amounts receivable after more than one year29€82k€82k=
Other amounts receivable291€82k€82k=
Amounts receivable within one year40/41€247k€246k▼
Trade receivables40€201k€190k▼
Other amounts receivable41€46k€56k▲
Current investments50/53€225k€1.34M▲
Cash at bank and in hand54/58€752k€352k▼
Deferred charges and accrued income490/1€9k€48k▲
Equity and liabilities
Total equity and liabilities10/49€2.09M€2.69M▲
Equity10/15€1.75M€2.34M▲
Contributions10/11€14k€14k=
Reserves13€1.73M€2.33M▲
Tax-exempt reserves132€126k€316k▲
Distributable reserves133€1.61M€2.01M▲
Amounts payable17/49€348k€351k▲
Amounts payable after more than one year17€178k€136k▼
Financial debts170/4€175k€128k▼
Other amounts payable178/9€3k€8k▲
Amounts payable within one year42/48€170k€205k▲
Current portion of amounts payable after more than one year42€76k€46k▼
Trade debts44€2k€15k▲
Suppliers440/4€2k€15k▲
Taxes, remuneration and social security45€92k€98k▲
Taxes450/3€78k€84k▲
Remuneration and social security454/9€14k€14k▲
Other amounts payable47/48€165€45k▲
Accrued charges and deferred income492/3-€9k
Income statement
Code20242025
Remuneration, social security and pensions62€118k€112k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€161k€159k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€60k€-1k▼
Other operating charges640/8€14k€16k▲
Non-recurring operating charges66A-€901
Gross operating margin9900€1.02M€1.21M▲
Operating profit (loss)9901€666k€925k▲
Financial income75/76B€21k€31k▲
Recurring financial income75€21k€31k▲
Financial charges65/66B€8k€8k▼
Recurring financial charges65€8k€8k▼
Profit (loss) for the period before taxes9903€679k€949k▲
Income taxes67/77€214k€283k▲
Profit (loss) for the period9904€465k€666k▲
Transfer to tax-exempt reserves689-€189k
Profit (loss) for the period to be appropriated9905€465k€476k▲
Appropriation of the result
Profit (loss) to be appropriated9906€465k€476k▲
Transfer from equity791/2-€70k
Transfer to equity691/2€465k€476k▲
To other reserves6921€465k€476k▲
Profit to be distributed694/7-€70k
Return on contributions (dividend)694-€70k
Social balance
Average headcount (FTE)90871.31.3=
The notes to these accounts (20 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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €666k ▲43.2%
Operating result €925k, net result €666k, both a record.
31-12
Financial
Equity above €2MEq €2.34M ▲34.1%
8 profitable years in a row build equity to €2.34M.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity triplescurrent ratio 4.77
Current ratio from 1.38 to 4.77; short-term debt falls from €600k to €183k.
31-12
Financial
Equity above €1MEq €1.28M ▲46.1%
6 profitable years in a row build equity to €1.28M.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €1MEq €1.06M ▲13.3%
4 profitable years in a row build equity to €1.06M.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Schilde · 2 establishment units since 2006
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.
Blijde Inkomst 362970 SchildeGround area
4,451 m²
Building footprint
1,460 m²
Volume, LiDAR
48,872 m³
2 parcels, Flanders · tallest building 44.1 m, ±13 floors. Linked by address, not a title deed.
2 establishment units
Blijde Inkomst 36, 2970 Schilde
since 20062.302.762.974
Dr. Michel Van Loo
since 20212.314.415.644
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11003A0345/00D000 | Flanders | 2,246 m² | 1 · 1,172 m² | 44.1 m · 13 fl. |
| 11041B0128/00V000 | Flanders | 2,205 m² | 1 · 288 m² | 16.1 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.
Recognitions · licences · registrations
Legal Entity Identifier
9676008F5CLIISKVLR59
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Of 16,617 companies in sector 86220 we hold annual accounts for 7,970. 4,262 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-02-2006
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
68201Renting and operating of own or leased residential real estate, excluding social housing
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.