Checked.be
Active
BE 0795.100.486Private limited company
Dr. Raf Celus
Sint-Jansberg 50 ·3680 Maaseik, Belgium· 3 yrs active
Sector: General medical practice
(86210)
Conclusion
The computed 12-month bankruptcy probability of Dr. Raf Celus is 0.2% (very low). The 2025 annual accounts show equity of €425k and a net result of €163k. Its solvency ranks better than 92% of 2198 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Key figures
| Equity | €425k |
| Net result | €163k |
| Better than sector | 92% |
| Active | 3 yrs |
Snowflake analysis
84
/ 100
Exceptional profile, strong across almost every axis.
Health
93
Profitability
100
Solvency
100
Growth
50
Stability
79
Bankruptcy probability (12 mo)
0.2%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Annual accounts: healthy financial profile
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags
No administrative flags
Health barometer
93
/ 100
Excellent
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview
Annual accounts filed on 01-04-2026 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 86, Human health · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 94.5% | 58.0% | |
| Net result | €163k | €60k | |
| Equity | €425k | €74k | |
| Gross operating margin | €227k | €96k | |
| Total assets | €449k | €187k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2025 |
|---|---|
| Revenue | - |
| EBITDA | €227k |
| Net profit | €163k |
| Cash flow | €178k |
| Staff costs | - |
| Income taxes | €52k |
| Dividends | - |
| Total assets | €449k |
| Equity | €425k |
| Debt | €25k |
| of which ≤ 1y | €25k |
| of which > 1y | - |
| Working capital | €350k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 15.10 |
| Quick ratio | 15.10 |
| Working capital ratio | 77.8% |
| Solvency | 94.5% |
| Debt / equity | 0.06 |
| Long-term debt ratio | - |
| Interest coverage | 74.44 |
| Gross margin | - |
| Net margin | - |
| ROA | 36.2% |
| ROE | 38.3% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €449k |
| Fixed assets | 21/28 | €75k |
| Intangible fixed assets | 21 | €63k |
| Tangible fixed assets | 22/27 | €13k |
| Current assets | 29/58 | €374k |
| Amounts receivable within one year | 40/41 | €3k |
| Cash & bank | 54/58 | €345k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €449k |
| Equity | 10/15 | €425k |
| Contributions / capital | 10/11 | €2k |
| Reserves | 13 | €423k |
| Amounts payable | 17/49 | €25k |
| Amounts payable within one year | 42/48 | €25k |
| Trade debts payable within one year | 44 | €2k |
| Income statement | ||
| Gross operating margin | 9900 | €227k |
| Operating result | 9901 | €212k |
| Financial income | 75 | €6k |
| Financial charges | 65 | €3k |
| Result before taxes | 9903 | €214k |
| Income taxes | 67/77 | €52k |
| Net result for the period | 9904 | €163k |
| Result to be appropriated | 9905 | €163k |
Ratios computed by Checked.
Legal Structure
| NACE primary | General medical practice(86210) |
| Legal form | Private limited company(610) |
| Incorporation | 20-12-2022 |
| Status | Active |
| Postal code | 3680 |
Establishment units
Dr. Raf Celus
since 20222.340.115.793
Dr. Raf Celus
since 20222.340.115.892
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72021A1132/00E008 | Flanders | 1,203 m² | 1 · 246 m² | 10.6 m · 3 fl. |
| 72021A1058/00A003 | Flanders | 1,148 m² | 1 · 260 m² | - |
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.
Updates
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
2026
01-04-2026
NBB filing
Annual accounts filed
2025
20-07-2025
NBB filing
Annual accounts filed
2024
02-10-2024
NBB filing
Annual accounts filed
Credit advice
AI due-diligence brief
Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE)
Activities
Huisartspraktijken86210Activiteiten van huisartspraktijken86210
Primary activity highlighted.
Names & trade names
| Legal nameNL | Dr. Raf Celus |
Registered office
Sint-Jansberg 50
3680 Maaseik, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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