Dr. Ph. Van Hover
ActiveDr. Ph. Van Hover has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €2.77M and a net result of €548k. Equity is growing by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 74% of 2152 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
86
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability89▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €230k at 30 days acceptable
Liquidity ample (current ratio 5.99 against 70.73 in 2023; short-term debt: 16.5% and cash: 5.7% of total assets), and 16.8% 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○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 · 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
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
83.2%
Return on assets
16.5%
Age of the figures
21 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-09-2025, 47 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
47 d late
2023
6 d early
2022
3 d early
2021
3 d early
2020
33 d late
2019
2 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€2.77M▼ 13.8%
2023 · €3.22M
2018: €1.89M
2019: €2.40M
2020: €2.42M
2021: €2.59M
2022: €3.09M
2023: €3.22M
2018 → 2024
Total assets
€3.33M▲ 0.9%
2023 · €3.30M
2018: €2.43M
2019: €2.68M
2020: €2.75M
2021: €2.79M
2022: €3.24M
2023: €3.30M
2018 → 2024
Net result
€548k▼ 1.2%
2023 · €555k
2018: €482k
2019: €511k
2020: €456k
2021: €588k
2022: €508k
2023: €555k
2018 → 2024
Working capital
€2.73M▼ 13.0%
2023 · €3.14M
2018: €1.75M
2019: €2.29M
2020: €2.34M
2021: €2.42M
2022: €2.97M
2023: €3.14M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€2.42M-€2.59M▲ 6.9%€3.09M▲ 19.6%€3.22M▲ 4.0%€2.77M▼ 13.8%
Operating result€661k-€850k▲ 28.6%€755k▼ 11.2%€779k▲ 3.2%€758k▼ 2.7%
Net result€456k-€588k▲ 28.9%€508k▼ 13.6%€555k▲ 9.3%€548k▼ 1.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 3% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.33M
Fixed assets
€50k▼ 56.6%
Current assets
€3.28M▲ 3.0%
Equity and liabilities €3.33M
Equity
€2.77M▼ 13.8%
Debt
€558k▲ 566%
The debt ratio rises from 2.5% to 16.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€824k▼
2023 · €868k
Cash flow
€614k▼
2023 · €644k
Solvency
83.2%▼
2023 · 97.5%
Current ratio
5.99▼
2023 · 70.73
Quick ratio
5.99▼
2023 · 70.73
Debt / equity
0.20▲
2023 · 0.03
ROE
19.8%▲
2023 · 17.3%
ROA
16.5%▼
2023 · 16.8%
Interest coverage
86.49▼
2023 · 93.73
Debt
€558k▲
2023 · €84k
Debt ≤ 1 year
€548k▲
2023 · €45k
Debt > 1 year
€10k▼
2023 · €39k
Income taxes
€248k▼
2023 · €252k
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€3.30M€3.33M▲
Fixed assets21/28€116k€50k▼
Tangible fixed assets22/27€116k€50k▼
Land and buildings22€39k€1k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€77k€49k▼
Current assets29/58€3.18M€3.28M▲
Amounts receivable after more than one year29€1.40M€1.36M▼
Trade receivables290€0-
Other amounts receivable291€1.40M€1.36M▼
Amounts receivable within one year40/41€41k€216k▲
Trade receivables40€0-
Other amounts receivable41€41k€216k▲
Current investments50/53€1.10M€1.21M▲
Cash at bank and in hand54/58€362k€188k▼
Deferred charges and accrued income490/1€281k€311k▲
Equity and liabilities
Total equity and liabilities10/49€3.30M€3.33M▲
Equity10/15€3.22M€2.77M▼
Contributions10/11€112k€112k=
Reserves13€3.11M€2.66M▼
Non-distributable reserves130/1€11k€0▼
Reserves not available under the articles1311€11k€0▼
Distributable reserves133€3.09M€2.66M▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€84k€558k▲
Amounts payable after more than one year17€39k€10k▼
Financial debts170/4€39k€10k▼
Amounts payable within one year42/48€45k€548k▲
Current portion of amounts payable after more than one year42€40k€28k▼
Trade debts44€5k€9k▲
Suppliers440/4€5k€9k▲
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€846€511k▲
Income statement
Code20232024
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€89k€66k▼
Other operating charges640/8€6k€7k▲
Gross operating margin9900€874k€831k▼
Operating profit (loss)9901€779k€758k▼
Financial income75/76B€37k€48k▲
Recurring financial income75€37k€48k▲
Non-recurring financial income76B€0-
Financial charges65/66B€9k€10k▲
Recurring financial charges65€9k€10k▲
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€807k€797k▼
Income taxes67/77€252k€248k▼
Profit (loss) for the period9904€555k€548k▼
Profit (loss) for the period to be appropriated9905€555k€548k▼
Appropriation of the result
Profit (loss) to be appropriated9906€555k€548k▼
Transfer from equity791/2€432k€993k▲
Transfer to equity691/2€555k€548k▼
To other reserves6921€555k€548k▼
Profit to be distributed694/7€432k€993k▲
Return on contributions (dividend)694€432k€993k▲
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
16-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 47 days late
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-07
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
Highest result since 2018net €588k ▲28.9%
Operating result €850k, net result €588k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 29.86
Current ratio from 14.58 to 29.86; short-term debt falls from €172k to €84k.
02-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 33 days late
2020
31-12
Financial
Weakest financial yearnet €456k ▼10.7%
Net result drops to €456k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Liquidity quadruplescurrent ratio 27.79
Current ratio from 6.77 to 27.79; short-term debt falls from €303k to €85k.
31-12
Financial
Equity above €2MEq €2.40M ▲27.1%
2 profitable years in a row build equity to €2.40M.
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 1 day late
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
01-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Aalst · 1 establishment unit 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.
Affligemdreef 1509300 AalstGround area
2,930 m²
Building footprint
307 m²
Volume, LiDAR
1,676 m³
Parcel 41304F0240/00D000, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dr. Ph. Van Hover
since 20062.232.616.534
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41304F0240/00D000 | Flanders | 2,930 m² | 1 · 307 m² | 10.4 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400ZAEQLAUWRHQQ37
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Of 16,628 companies in sector 86220 we hold annual accounts for 7,973. 3,877 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-04-2004
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.