Dr. Rick Roels
ActiveSummary
Dr. Rick Roels has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €95k and a net result of €57k. Equity is growing by ~23.1% per year across the filed fiscal years. Its solvency ranks better than 13% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+9
Solvency34▲+5
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.28 against 0.27 in 2024; short-term debt: 11.2% and cash: 0.9% of total assets), and 90.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 2025Solvency, return and age of the figures
Solvency
9.1%
Return on assets
5.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 16546 sector peers (2025).
NBB · sector comparisonPosition among 16546 sector peers
Solvency
better than 13%
← weakest
strongest →
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 23-07-2026, 8 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
8 d early
2024
1 d early
2023
48 d late
2022
31 d late
2021
75 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€95k▲ 144%
2024 · €39k
2021: €32k
2022: €59k
2023: €86k
2024: €39k
2021 → 2025
Total assets
€1.04M▲ 2.3%
2024 · €1.01M
2021: €50k
2022: €992k
2023: €1.01M
2024: €1.01M
2021 → 2025
Net result
€57k▲ 46.4%
2024 · €39k
2021: €32k
2022: €28k
2023: €26k
2024: €39k
2021 → 2025
Working capital
€-84k▲ 27.6%
2024 · €-116k
2021: €32k
2022: €-22k
2023: €-78k
2024: €-116k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€59k▲ 87.2%€86k▲ 44.3%€39k▼ 54.8%€95k▲ 144%
Operating result€41k-€50k▲ 20.6%€52k▲ 5.2%€70k▲ 33.4%€92k▲ 31.3%
Net result€32k-€28k▼ 12.8%€26k▼ 4.9%€39k▲ 47.2%€57k▲ 46.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 31% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.04M
Fixed assets
€1.01M ▲ 3.5%
Current assets
€32k ▼ 23.9%
Equity and liabilities €1.04M
Equity
€95k ▲ 144%
Debt
€943k ▼ 3.3%
Debt's share of the balance-sheet total falls from 96.2% to 90.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€124k▲
2024 · €99k
Cash flow
€88k▲
2024 · €68k
Current ratio
0.28▲
2024 · 0.27
Debt to equity
9.95▼
2024 · 25.13
ROE
59.9%▼
2024 · 100.0%
ROA
5.5%▲
2024 · 3.8%
Interest coverage
6.56▲
2024 · 5.18
Debt ≤ 1 year
€117k▼
2024 · €159k
Debt > 1 year
€826k▲
2024 · €816k
Income taxes
€16k▲
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.01M€1.04M▲
Fixed assets21/28€971k€1.01M▲
Tangible fixed assets22/27€971k€1.01M▲
Land and buildings22€956k€985k▲
Plant, machinery and equipment23€4k€4k▼
Furniture and vehicles24€11k€16k▲
Assets under construction and advance payments27€0-
Current assets29/58€43k€32k▼
Amounts receivable within one year40/41€227€15k▲
Trade receivables40€227€0▼
Other amounts receivable41-€15k
Cash at bank and in hand54/58€34k€9k▼
Deferred charges and accrued income490/1€8k€8k▼
Equity and liabilities
Total equity and liabilities10/49€1.01M€1.04M▲
Equity10/15€39k€95k▲
Contributions10/11€1€1=
Reserves13€39k€95k▲
Distributable reserves133€39k€95k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€975k€943k▼
Amounts payable after more than one year17€816k€826k▲
Financial debts170/4€816k€826k▲
Amounts payable within one year42/48€159k€117k▼
Current portion of amounts payable after more than one year42€45k€46k▲
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€7k€6k▼
Suppliers440/4€7k€6k▼
Taxes, remuneration and social security45€29k€9k▼
Taxes450/3€29k€9k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€77k€53k▼
Accrued charges and deferred income492/3€750€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€32k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€104k€128k▲
Operating profit (loss)9901€70k€92k▲
Financial income75/76B€31€28▼
Recurring financial income75€31€28▼
Financial charges65/66B€19k€19k▼
Recurring financial charges65€19k€19k▼
Profit (loss) for the period before taxes9903€51k€73k▲
Income taxes67/77€12k€16k▲
Profit (loss) for the period9904€39k€57k▲
Profit (loss) for the period to be appropriated9905€39k€57k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€57k▲
Transfer from equity791/2€86k€0▼
Transfer to equity691/2€39k€56k▲
To other reserves6921€39k€56k▲
Profit to be distributed694/7€86k€833▼
Return on contributions (dividend)694€86k€833▼
The notes to these accounts (9 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €57k ▲46.4%
Operating result €92k, net result €57k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 48 days late
2023
31-12
Financial
Weakest financial yearnet €26k ▼4.9%
Net result drops to €26k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
17-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Brussel · 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.
Parkdreef 411000 BrusselGround area
44.0 ha
Building footprint
630 m²
Volume, LiDAR
26,937 m³
2 parcels, Brussels, Flanders · tallest building 64.6 m, ±14 floors. Linked by address, not a title deed.
1 establishment unit
Dr. Rick Roels
since 20212.315.780.572
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24505K0046/00S004 | Flanders | 42.5 ha | - | - |
| 21814P0388/00K007 | Brussels | 1.5 ha | 1 · 630 m² | 64.6 m · 14 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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VISUS
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Of 16,627 companies in sector 86220 we hold annual accounts for 7,974. 6,219 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-02-2021
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.