DR. Patrick Van Petegem
ActiveDR. Patrick Van Petegem has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €424k and a net result of €93k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 91% of 16491 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
99
/ 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
Profitability95▲+3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 16.14 against 18.02 in 2024; short-term debt: 5.2% and cash: 41% of total assets), and 5.2% 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
94.8%
Return on assets
20.8%
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
100 d early
2023
30 d late
2022
70 d late
2021
29 d late
2020
65 d late
2019
74 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€424k▲ 6.8%
2024 · €397k
2018: €308k
2019: €290k
2020: €301k
2021: €403k
2022: €402k
2023: €451k
2024: €397k
2018 → 2025
Total assets
€447k▲ 8.1%
2024 · €414k
2018: €375k
2019: €399k
2020: €357k
2021: €457k
2022: €468k
2023: €467k
2024: €414k
2018 → 2025
Net result
€93k▲ 19.3%
2024 · €78k
2018: €56k
2019: €60k
2020: €6k
2021: €102k
2022: €75k
2023: €50k
2024: €78k
2018 → 2025
Working capital
€352k▲ 22.7%
2024 · €287k
2018: €215k
2019: €241k
2020: €266k
2021: €275k
2022: €252k
2023: €343k
2024: €287k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€403k-€402k▼ 0.3%€451k▲ 12.3%€397k▼ 12.1%€424k▲ 6.8%
Operating result€147k-€113k▼ 23.5%€65k▼ 42.6%€106k▲ 64.6%€107k▲ 0.8%
Net result€102k-€75k▼ 26.2%€50k▼ 34.1%€78k▲ 57.4%€93k▲ 19.3%
Turnover and EBIT margin not published: the micro 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 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €447k
Fixed assets
€72k▼ 34.7%
Current assets
€375k▲ 23.6%
Equity and liabilities €447k
Equity
€424k▲ 6.8%
Debt
€23k▲ 38.0%
The debt ratio rises from 4.1% to 5.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€146k▲
2024 · €145k
Cash flow
€132k▲
2024 · €117k
Solvency
94.8%▼
2024 · 95.9%
Current ratio
16.14▼
2024 · 18.02
Quick ratio
16.14▼
2024 · 18.02
Debt / equity
0.05▲
2024 · 0.04
ROE
22.0%▲
2024 · 19.7%
ROA
20.8%▲
2024 · 18.9%
Interest coverage
72.42▼
2024 · 629.71
Debt
€23k▲
2024 · €17k
Debt ≤ 1 year
€23k▲
2024 · €17k
Income taxes
€33k▲
2024 · €32k
Staff costs
€63k▲
2024 · €55k
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€414k€447k▲
Fixed assets21/28€110k€72k▼
Tangible fixed assets22/27€107k€69k▼
Land and buildings22€38k€34k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€66k€32k▼
Financial fixed assets28€3k€3k=
Current assets29/58€304k€375k▲
Amounts receivable within one year40/41€9k€3k▼
Other amounts receivable41€9k€3k▼
Current investments50/53€260k€187k▼
Cash at bank and in hand54/58€32k€183k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€414k€447k▲
Equity10/15€397k€424k▲
Contributions10/11€19k€19k=
Reserves13€378k€405k▲
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€376k€405k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€17k€23k▲
Amounts payable within one year42/48€17k€23k▲
Trade debts44€8k€2k▼
Suppliers440/4€8k€2k▼
Taxes, remuneration and social security45€9k€15k▲
Taxes450/3€9k€8k▼
Remuneration and social security454/9-€7k
Other amounts payable47/48-€6k
Income statement
Code20242025
Remuneration, social security and pensions62€55k€63k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€39k▲
Other operating charges640/8€3k€1k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€203k€211k▲
Operating profit (loss)9901€106k€107k▲
Financial income75/76B€4k€20k▲
Recurring financial income75€4k€20k▲
Financial charges65/66B€231€2k▲
Recurring financial charges65€231€2k▲
Profit (loss) for the period before taxes9903€110k€126k▲
Income taxes67/77€32k€33k▲
Profit (loss) for the period9904€78k€93k▲
Profit (loss) for the period to be appropriated9905€78k€93k▲
Appropriation of the result
Profit (loss) to be appropriated9906€136k€93k▼
Profit (loss) brought forward from the previous period14P€58k€0▼
Transfer from equity791/2€75k€66k▼
Transfer to equity691/2€78k€93k▲
To other reserves6921€78k€93k▲
Profit to be distributed694/7€133k€66k▼
Return on contributions (dividend)694€133k€66k▼
The notes to these accounts (14 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Liquidity times 5current ratio 23.56
Current ratio from 4.81 to 23.56; short-term debt falls from €66k to €15k.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Highest result since 2018net €102k ▲1607%
Operating result €147k, net result €102k, both a record.
04-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 65 days late
2020
31-12
Financial
Weakest financial yearnet €6k ▼90.1%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
13-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 74 days late
2019
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 56 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 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
4 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, Assenede · 2 establishment units 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.
Leegstraat 129960 AssenedeGround area
1,486 m²
Building footprint
636 m²
Volume, LiDAR
3,661 m³
2 parcels, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Kasteelstraat 49, 9960 Assenede
since 20082.228.971.809
Leegstraat 12, 9960 Assenede
since 20082.228.971.512
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43002E0395/00T000 | Flanders | 894 m² | 1 · 229 m² | 8.1 m · 2 fl. |
| 43002E0933/00G000 | Flanders | 592 m² | 1 · 407 m² | 11.2 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.
Recognitions · licences · registrations
Legal Entity Identifier
648874Q6CHO3XYM55997
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Of 9,120 companies in sector 86210 we hold annual accounts for 6,336. 5,025 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-07-2008
Fiscal year end31-12
Activities, NACEBEL
86210General medical practice
96301Funeral services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.