Dr. Sarah Van Loo
ActiveSummary
Dr. Sarah Van Loo has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €652k and a net result of €209k. Equity is growing by ~51.2% per year across the filed fiscal years. Its solvency ranks better than 52% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
95
/ 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
Solvency90▲+9
Growth78=
Track record94
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 3.97 against 3.27 in 2024; short-term debt: 15.5% and cash: 59.7% of total assets), and 34.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
65.5%
Return on assets
21%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 4 filingsDeviation from the deadline
2025
26 d late
2024
48 d early
2023
28 d early
2022
31 d late
← 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
€652k▲ 47.0%
2024 · €443k
2022: €115k
2023: €261k
2024: €443k
2022 → 2025
Total assets
€995k▲ 26.7%
2024 · €785k
2022: €531k
2023: €664k
2024: €785k
2022 → 2025
Net result
€209k▲ 14.4%
2024 · €183k
2022: €113k
2023: €147k
2024: €183k
2022 → 2025
Working capital
€459k▲ 70.3%
2024 · €269k
2022: €49k
2023: €199k
2024: €269k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€115k-€261k▲ 127%€443k▲ 69.7%€652k▲ 47.0%
Operating result€165k-€217k▲ 31.2%€268k▲ 23.5%€301k▲ 12.4%
Net result€113k-€147k▲ 30.6%€183k▲ 24.2%€209k▲ 14.4%
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 three years in a row; 2025 is 12% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €995k
Fixed assets
€382k ▼ 3.7%
Current assets
€613k ▲ 57.8%
Equity and liabilities €995k
Equity
€652k ▲ 47.0%
Debt
€344k ▲ 0.4%
Debt's share of the balance-sheet total falls from 43.6% to 34.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€350k▲
2024 · €334k
Cash flow
€258k▲
2024 · €249k
Current ratio
3.97▲
2024 · 3.27
Debt to equity
0.53▼
2024 · 0.77
ROE
32.1%▼
2024 · 41.2%
ROA
21.0%▼
2024 · 23.3%
Interest coverage
127.50▲
2024 · 106.23
Debt ≤ 1 year
€154k▲
2024 · €119k
Debt > 1 year
€189k▼
2024 · €223k
Income taxes
€94k▲
2024 · €82k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€785k€995k▲
Fixed assets21/28€397k€382k▼
Intangible fixed assets21€245k€210k▼
Tangible fixed assets22/27€150k€170k▲
Land and buildings22€119k€115k▼
Plant, machinery and equipment23€22k€50k▲
Furniture and vehicles24€9k€4k▼
Financial fixed assets28€3k€3k=
Current assets29/58€388k€613k▲
Current investments50/53€200k-
Cash at bank and in hand54/58€176k€594k▲
Deferred charges and accrued income490/1€13k€19k▲
Equity and liabilities
Total equity and liabilities10/49€785k€995k▲
Equity10/15€443k€652k▲
Contributions10/11€3k€3k=
Reserves13€439k€648k▲
Distributable reserves133€439k€648k▲
Profit (loss) carried forward14€930€977▲
Amounts payable17/49€342k€344k▲
Amounts payable after more than one year17€223k€189k▼
Financial debts170/4€223k€189k▼
Amounts payable within one year42/48€119k€154k▲
Current portion of amounts payable after more than one year42€34k€35k▲
Trade debts44€2k€6k▲
Suppliers440/4€2k€6k▲
Taxes, remuneration and social security45€82k€110k▲
Taxes450/3€82k€110k▲
Other amounts payable47/48€934€3k▲
Accrued charges and deferred income492/3-€891
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€66k€49k▼
Other operating charges640/8€314€641▲
Gross operating margin9900€334k€351k▲
Operating profit (loss)9901€268k€301k▲
Financial income75/76B-€5k
Recurring financial income75-€5k
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€265k€303k▲
Income taxes67/77€82k€94k▲
Profit (loss) for the period9904€183k€209k▲
Profit (loss) for the period to be appropriated9905€183k€209k▲
Appropriation of the result
Profit (loss) to be appropriated9906€184k€210k▲
Profit (loss) brought forward from the previous period14P€908€930▲
Transfer to equity691/2€182k€208k▲
To other reserves6921€182k€208k▲
Profit to be distributed694/7€800€833▲
Return on contributions (dividend)694€800€833▲
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
Next filing, fiscal year 2026, expected by
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Highest result since 2022net €209k ▲14.4%
Operating result €301k, net result €209k, both a record.
31-12
Financial
Equity above €500kEq €652k ▲47%
4 profitable years in a row build equity to €652k.
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €261k ▲127%
2 profitable years in a row build equity to €261k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 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, Stekene · 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.
Edgard Tinelstraat(KLS) 79190 StekeneGround area
1,489 m²
Building footprint
273 m²
Volume, LiDAR
1,328 m³
Parcel 46324E0440/00K000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dr. Sarah Van Loo
since 20212.328.462.729
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46324E0440/00K000 | Flanders | 1,489 m² | 1 · 273 m² | 7.3 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.
Similar companies · same sector, comparable size
SD ANGIO
BE 0633.655.171
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DOKTERS VAN GEYT – DE SMET GERIATRIE - ENDOCRINOLOGIE
BE 0773.425.144
Merelbeke-Melle · Eq €651,406
DERMATOLOGY and LASER PRACTICE
BE 0463.844.003
Sint-Gillis (bij-Brussel) · Eq €651,903
DR. GEERT PAGE
BE 0474.796.588
Poperinge · Eq €651,347
DR. JOS CALLENS
BE 0468.321.839
Brasschaat · Eq €652,025
Of 16,627 companies in sector 86220 we hold annual accounts for 7,974. 6,217 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
Founded30-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.