DR. NAIM JERJIR
ActiveSummary
DR. NAIM JERJIR has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €586k and a net result of €512k. Equity is growing by ~20% per year across the filed fiscal years. Its solvency ranks better than 67% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 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
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 4.51 against 13.51 in 2024; short-term debt: 21.7% and cash: 12.3% of total assets), and 21.7% 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
78.3%
Return on assets
68.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 6 filingsDeviation from the deadline
2025
29 d late
2024
on the day
2023
20 d late
2022
25 d late
2021
39 d late
2020
111 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
€586k▼ 32.3%
2024 · €866k
2020: €244k
2021: €472k
2022: €728k
2023: €1.11M
2024: €866k
2020 → 2025
Total assets
€749k▼ 19.8%
2024 · €934k
2020: €251k
2021: €484k
2022: €740k
2023: €1.11M
2024: €934k
2020 → 2025
Net result
€512k▲ 6.6%
2024 · €480k
2020: €244k
2021: €228k
2022: €256k
2023: €386k
2024: €480k
2020 → 2025
Working capital
€572k▼ 32.4%
2024 · €846k
2020: €216k
2021: €428k
2022: €695k
2023: €1.09M
2024: €846k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€472k-€728k▲ 54.3%€1.11M▲ 53.0%€866k▼ 22.3%€586k▼ 32.3%
Operating result€295k-€331k▲ 12.4%€502k▲ 51.4%€637k▲ 26.9%€686k▲ 7.8%
Net result€228k-€256k▲ 12.6%€386k▲ 50.5%€480k▲ 24.4%€512k▲ 6.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €749k
Fixed assets
€14k ▼ 29.0%
Current assets
€735k ▼ 19.6%
Equity and liabilities €749k
Equity
€586k ▼ 32.3%
Debt
€163k ▲ 141%
Debt's share of the balance-sheet total rises from 7.2% to 21.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€692k▲
2024 · €642k
Cash flow
€518k▲
2024 · €486k
Current ratio
4.51▼
2024 · 13.51
Debt to equity
0.28▲
2024 · 0.08
ROE
87.3%▲
2024 · 55.4%
ROA
68.3%▲
2024 · 51.4%
Interest coverage
217.28▼
2024 · 633.64
Debt ≤ 1 year
€163k▲
2024 · €68k
Income taxes
€172k▲
2024 · €162k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€934k€749k▼
Fixed assets21/28€20k€14k▼
Tangible fixed assets22/27€20k€14k▼
Land and buildings22€17k€14k▼
Plant, machinery and equipment23€777-
Furniture and vehicles24€2k-
Financial fixed assets28€100€100=
Current assets29/58€914k€735k▼
Amounts receivable within one year40/41€316k-
Other amounts receivable41€316k-
Current investments50/53€526k€643k▲
Cash at bank and in hand54/58€68k€92k▲
Deferred charges and accrued income490/1€3k€47▼
Equity and liabilities
Total equity and liabilities10/49€934k€749k▼
Equity10/15€866k€586k▼
Contributions10/11€100€100=
Profit (loss) carried forward14€866k€586k▼
Amounts payable17/49€68k€163k▲
Amounts payable within one year42/48€68k€163k▲
Trade debts44€7k€45k▲
Suppliers440/4€7k€45k▲
Taxes, remuneration and social security45€41k€82k▲
Taxes450/3€41k€82k▲
Other amounts payable47/48€19k€36k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€644k€694k▲
Operating profit (loss)9901€637k€686k▲
Financial income75/76B€7k€864▼
Recurring financial income75€7k€864▼
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€642k€684k▲
Income taxes67/77€162k€172k▲
Profit (loss) for the period9904€480k€512k▲
Profit (loss) for the period to be appropriated9905€480k€512k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.12M€1.38M▲
Profit (loss) brought forward from the previous period14P€642k€866k▲
Transfer from equity791/2€472k-
Profit to be distributed694/7€728k€792k▲
Return on contributions (dividend)694€728k€792k▲
The notes to these accounts (5 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-12
Financial
Highest result since 2020net €512k ▲6.6%
Operating result €686k, net result €512k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Liquidity times 37current ratio 2208.29
Current ratio from 59.78 to 2208.29; short-term debt falls from €12k to €494.
31-12
Financial
Equity above €1MEq €1.11M ▲53%
4 profitable years in a row build equity to €1.11M.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Equity above €500kEq €728k ▲54.3%
3 profitable years in a row build equity to €728k.
08-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 39 days late
2021
31-12
Financial
Weakest financial yearnet €228k ▼6.7%
Net result drops to €228k, the lowest in the series; recovery starts the following year.
19-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 111 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, Antwerpen · 1 establishment unit since 2019
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.
Belgiëlei 232018 AntwerpenGround area
868 m²
Building footprint
269 m²
Volume, LiDAR
5,814 m³
Parcel 11806F1234/00D013, Flanders · tallest building 30.2 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
DR. NAIM JERJIR
since 20192.295.685.934
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11806F1234/00D013 | Flanders | 868 m² | 1 · 269 m² | 30.2 m · 9 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.
Similar companies · same sector, comparable size
Dr. S. Platteaux & Dr. G. Huysmans
BE 0809.234.673
Puurs-Sint-Amands · Eq €586,090
Dr. Matijn Weren & Dr. Cindy Malliet
BE 0810.654.635
Oud-Heverlee · Eq €586,532
SRL CABINET MEDICAL DU DOCTEUR MARC SIMON
BE 0459.894.519
Arlon · Eq €586,577
DR.JOHAN KUSTERS NEUROPSYCHIATER
BE 0862.513.706
Hasselt · Eq €585,872
DR. KATHLEEN WEEMAES
BE 0478.602.948
Kampenhout · Eq €585,783
Of 16,627 companies in sector 86220 we hold annual accounts for 7,974. 6,310 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
Founded16-10-2019
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.