DR. OMEY STEIN
ActiveDR. OMEY STEIN has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €340k and a net result of €90k. Equity is growing by ~46.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 19906 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
98
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 50.26 against 8.24 in 2023; short-term debt: 1.7% and cash: 74.5% of total assets), and 1.8% 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 →
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 2024Solvency, return and age of the figures
Solvency
98.2%
Return on assets
25.9%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-08-2025, 20 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
20 d late
2023
30 d late
2022
60 d late
2021
61 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€340k▲ 35.8%
2023 · €250k
2021: €109k
2022: €160k
2023: €250k
2021 → 2024
Total assets
€346k▲ 25.1%
2023 · €277k
2021: €152k
2022: €205k
2023: €277k
2021 → 2024
Net result
€90k▼ 0.5%
2023 · €90k
2021: €104k
2022: €51k
2023: €90k
2021 → 2024
Working capital
€286k▲ 49.7%
2023 · €191k
2021: €84k
2022: €115k
2023: €191k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€109k-€160k▲ 46.5%€250k▲ 56.1%€340k▲ 35.8%
Operating result€134k-€65k▼ 51.3%€115k▲ 76.8%€114k▼ 0.9%
Net result€104k-€51k▼ 51.3%€90k▲ 76.8%€90k▼ 0.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 1% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €346k
Fixed assets
€55k▼ 8.2%
Current assets
€292k▲ 34.2%
Equity and liabilities €346k
Equity
€340k▲ 35.8%
Debt
€6k▼ 75.9%
The debt ratio falls from 9.5% to 1.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€122k▼
2023 · €123k
Cash flow
€97k▼
2023 · €97k
Solvency
98.2%▲
2023 · 90.5%
Current ratio
50.26▲
2023 · 8.24
Quick ratio
50.26▲
2023 · 8.24
Debt / equity
0.02▼
2023 · 0.11
ROE
26.3%▼
2023 · 36.0%
ROA
25.9%▼
2023 · 32.5%
Interest coverage
2799.69▼
2023 · 3139.55
Debt
€6k▼
2023 · €26k
Debt ≤ 1 year
€6k▼
2023 · €26k
Income taxes
€25k▼
2023 · €25k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€277k€346k▲
Fixed assets21/28€59k€55k▼
Tangible fixed assets22/27€59k€55k▼
Land and buildings22€59k€55k▼
Current assets29/58€217k€292k▲
Amounts receivable within one year40/41€90k€33k▼
Trade receivables40€50k€21k▼
Other amounts receivable41€40k€12k▼
Cash at bank and in hand54/58€127k€258k▲
Deferred charges and accrued income490/1€549€512▼
Equity and liabilities
Total equity and liabilities10/49€277k€346k▲
Equity10/15€250k€340k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€245k€335k▲
Amounts payable17/49€26k€6k▼
Amounts payable within one year42/48€26k€6k▼
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€25k€2k▼
Taxes450/3€25k€2k▼
Other amounts payable47/48-€3k
Accrued charges and deferred income492/3-€550
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€124k€123k▼
Operating profit (loss)9901€115k€114k▼
Financial charges65/66B€39€44▲
Recurring financial charges65€39€44▲
Profit (loss) for the period before taxes9903€115k€114k▼
Income taxes67/77€25k€25k▼
Profit (loss) for the period9904€90k€90k▼
Profit (loss) for the period to be appropriated9905€90k€90k▼
Appropriation of the result
Profit (loss) to be appropriated9906€245k€335k▲
Profit (loss) brought forward from the previous period14P€155k€245k▲
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
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Liquidity times 6current ratio 50.26
Current ratio from 8.24 to 50.26; short-term debt falls from €26k to €6k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 8.24
Current ratio from 3.58 to 8.24; short-term debt falls from €45k to €26k.
31-12
Financial
Equity above €200kEq €250k ▲56.1%
3 profitable years in a row build equity to €250k.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Weakest financial yearnet €51k ▼51.3%
Net result drops to €51k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €160k ▲46.5%
2 profitable years in a row build equity to €160k.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lubbeek · 1 establishment unit since 2021
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.
Heurbeek(LUB) 203210 LubbeekGround area
3,446 m²
Building footprint
304 m²
Volume, LiDAR
2,086 m³
2 parcels, Flanders · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DR. OMEY STEIN
since 20212.315.626.857
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24066F0322/00Y000 | Flanders | 2,922 m² | 1 · 143 m² | 9.0 m · 2 fl. |
| 24107B0157/00C007 | Flanders | 524 m² | 1 · 161 m² | 13.2 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.
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CHÂTEAU DE LA SOURCE
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Of 9,120 companies in sector 86210 we hold annual accounts for 6,336. 5,164 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-04-2021
Fiscal year end31-12
Activities, NACEBEL
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.