Dr. Naessens Benedicte
ActiveSummary
Dr. Naessens Benedicte has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €706k and a net result of €85k. Equity is growing by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 78% of 524 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
87
/ 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
Profitability82▲+2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 3.2 against 2.03 in 2024; short-term debt: 10.4% and cash: 14.1% of total assets), and 12.6% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 72
Relative position
BE, all sectors
reference
Sector 72
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
87.4%
Return on assets
10.5%
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 · 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
13 d early
2023
5 d early
2022
30 d late
2021
23 d late
2020
30 d late
2019
1 d early
← 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
€706k▲ 13.5%
2024 · €622k
2018: €358k
2019: €401k
2020: €426k
2021: €471k
2022: €491k
2023: €547k
2024: €622k
2018 → 2025
Total assets
€808k▼ 0.2%
2024 · €810k
2018: €934k
2019: €918k
2020: €867k
2021: €847k
2022: €796k
2023: €819k
2024: €810k
2018 → 2025
Net result
€85k▲ 11.4%
2024 · €76k
2018: €68k
2019: €43k
2020: €26k
2021: €46k
2022: €21k
2023: €57k
2024: €76k
2018 → 2025
Working capital
€185k▲ 72.3%
2024 · €107k
2018: €885
2019: €5k
2020: €17k
2021: €43k
2022: €18k
2023: €40k
2024: €107k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€471k-€491k▲ 4.3%€547k▲ 11.4%€622k▲ 13.8%€706k▲ 13.5%
Operating result€80k-€46k▼ 42.8%€93k▲ 102%€117k▲ 26.4%€125k▲ 6.7%
Net result€46k-€21k▼ 54.3%€57k▲ 170%€76k▲ 34.4%€85k▲ 11.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €808k
Fixed assets
€539k ▼ 10.0%
Current assets
€269k ▲ 27.5%
Equity and liabilities €808k
Equity
€706k ▲ 13.5%
Debt
€102k ▼ 45.7%
Debt's share of the balance-sheet total falls from 23.2% to 12.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€186k▼
2024 · €187k
Cash flow
€146k▼
2024 · €146k
Current ratio
3.20▲
2024 · 2.03
Debt to equity
0.14▼
2024 · 0.30
ROE
12.0%▼
2024 · 12.2%
ROA
10.5%▲
2024 · 9.4%
Interest coverage
20.94▲
2024 · 17.43
Debt ≤ 1 year
€84k▼
2024 · €104k
Debt > 1 year
€17k▼
2024 · €83k
Income taxes
€34k▲
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€810k€808k▼
Fixed assets21/28€599k€539k▼
Intangible fixed assets21€4k€0▼
Tangible fixed assets22/27€595k€539k▼
Land and buildings22€571k€531k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€22k€6k▼
Financial fixed assets28€275€275=
Current assets29/58€211k€269k▲
Amounts receivable within one year40/41€82k€2k▼
Trade receivables40€82k€0▼
Other amounts receivable41-€2k
Current investments50/53€64k€63k▼
Cash at bank and in hand54/58€57k€114k▲
Deferred charges and accrued income490/1€7k€90k▲
Equity and liabilities
Total equity and liabilities10/49€810k€808k▼
Equity10/15€622k€706k▲
Contributions10/11€19k€19k=
Reserves13€604k€688k▲
Distributable reserves133€604k€688k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€188k€102k▼
Amounts payable after more than one year17€83k€17k▼
Financial debts170/4€83k€17k▼
Amounts payable within one year42/48€104k€84k▼
Current portion of amounts payable after more than one year42€72k€66k▼
Trade debts44€6k€1k▼
Suppliers440/4€6k€1k▼
Taxes, remuneration and social security45€11k€3k▼
Taxes450/3€11k€3k▼
Other amounts payable47/48€15k€14k▼
Accrued charges and deferred income492/3€2k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€70k€61k▼
Other operating charges640/8€5k€4k▼
Gross operating margin9900€192k€190k▼
Operating profit (loss)9901€117k€125k▲
Financial income75/76B€659€3k▲
Recurring financial income75€659€3k▲
Financial charges65/66B€11k€9k▼
Recurring financial charges65€11k€9k▼
Profit (loss) for the period before taxes9903€107k€119k▲
Income taxes67/77€31k€34k▲
Profit (loss) for the period9904€76k€85k▲
Profit (loss) for the period to be appropriated9905€76k€85k▲
Appropriation of the result
Profit (loss) to be appropriated9906€76k€85k▲
Transfer from equity791/2€833€833=
Transfer to equity691/2€76k€85k▲
To other reserves6921€76k€85k▲
Profit to be distributed694/7€833€833=
Return on contributions (dividend)694€833€833=
The notes to these accounts (15 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
Highest result since 2018net €85k ▲11.4%
Operating result €125k, net result €85k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €500kEq €547k ▲11.4%
6 profitable years in a row build equity to €547k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €21k ▼54.3%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 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, Laarne · 1 establishment unit since 2008
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.
Bontinkstraat 1229270 LaarneGround area
3.0 ha
Building footprint
1.2 ha
Volume, LiDAR
140,183 m³
2 parcels, Flanders · tallest building 28.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Moerlandstraat 1, 9100 Sint-Niklaas
since 20082.207.369.216
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46445D1294/00E002 | Flanders | 2.8 ha | 1 · 1.1 ha | 28.6 m · 4 fl. |
| 42009B0540/00B000 | Flanders | 1,462 m² | 1 · 292 m² | 12.9 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Legal Entity Identifier
984500808BCB95AA8005
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Of 761 companies in sector 72101 we hold annual accounts for 481. 312 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
Founded03-09-2008
Fiscal year end31-12
Activities, NACEBEL 2025
72101Research and development on biotechnology
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:benedicte.naessens@telenet.be
Phone:03/7602861