DR. PIL DAVID
ActiveDR. PIL DAVID has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €180k and a net result of €91k. Its solvency ranks better than 80% of 2152 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
97
/ 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=
Growth78
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 7.99 against 4.72 in 2023; short-term debt: 12.4% and cash: 74.8% of total assets), and 12.4% 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
87.6%
Return on assets
44.2%
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 30-09-2025, 61 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
61 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€180k▲ 102%
2023 · €89k
2023: €89k
2023 → 2024
Total assets
€206k▲ 82.9%
2023 · €113k
2023: €113k
2023 → 2024
Net result
€91k▲ 5.6%
2023 · €86k
2023: €86k
2023 → 2024
Working capital
€179k▲ 106%
2023 · €87k
2023: €87k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€89k-€180k▲ 102%
Operating result€110k-€116k▲ 5.9%
Net result€86k-€91k▲ 5.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 6% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €206k
Fixed assets
€1k▼ 46.2%
Current assets
€205k▲ 85.9%
Equity and liabilities €206k
Equity
€180k▲ 102%
Debt
€26k▲ 9.9%
The debt ratio falls from 20.7% to 12.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€117k▲
2023 · €113k
Cash flow
€92k▲
2023 · €90k
Solvency
87.6%▲
2023 · 79.3%
Current ratio
7.99▲
2023 · 4.72
Quick ratio
7.99▲
2023 · 4.72
Debt / equity
0.14▼
2023 · 0.26
ROE
50.5%▼
2023 · 96.6%
ROA
44.2%▼
2023 · 76.6%
Interest coverage
2697.34▲
2023 · 1946.18
Debt
€26k▲
2023 · €23k
Debt ≤ 1 year
€26k▲
2023 · €23k
Income taxes
€25k▲
2023 · €23k
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€113k€206k▲
Formation expenses20€147€0▼
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€110k€205k▲
Amounts receivable within one year40/41€28k€49k▲
Trade receivables40€23k€45k▲
Other amounts receivable41€5k€5k▼
Cash at bank and in hand54/58€80k€154k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€113k€206k▲
Equity10/15€89k€180k▲
Contributions10/11€3k€3k=
Reserves13€86k€177k▲
Distributable reserves133€86k€177k▲
Profit (loss) carried forward14€27€0▼
Amounts payable17/49€23k€26k▲
Amounts payable within one year42/48€23k€26k▲
Trade debts44-€605
Suppliers440/4-€605
Taxes, remuneration and social security45€23k€25k▲
Taxes450/3€23k€25k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€1k▼
Other operating charges640/8€732€387▼
Gross operating margin9900€114k€118k▲
Operating profit (loss)9901€110k€116k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€58€44▼
Recurring financial charges65€58€44▼
Profit (loss) for the period before taxes9903€110k€116k▲
Income taxes67/77€23k€25k▲
Profit (loss) for the period9904€86k€91k▲
Profit (loss) for the period to be appropriated9905€86k€91k▲
Appropriation of the result
Profit (loss) to be appropriated9906€86k€91k▲
Profit (loss) brought forward from the previous period14P-€27
Transfer to equity691/2€86k€91k▲
To other reserves6921€86k€91k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
31-12
Financial
Equity above €150kEq €180k ▲102%
2 profitable years in a row build equity to €180k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated 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 2022
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.
Broekstraat(LUB) 483210 LubbeekGround area
1,242 m²
Building footprint
183 m²
Volume, LiDAR
1,397 m³
2 parcels, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DR. PIL DAVID
since 20222.340.494.984
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24066H0160/00R000 | Flanders | 876 m² | 1 · 105 m² | 10.9 m · 3 fl. |
| 24053B0180/00X007 | Flanders | 366 m² | 1 · 78 m² | 10.4 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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Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 5,484 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2022
Fiscal year end31-12
Activities, NACEBEL
86210General medical practice
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.