Dr. Saskia Paulissen
ActiveDr. Saskia Paulissen has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €353k and a net result of €61k. Equity is growing by ~2.8% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
89
/ 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
Profitability90▲+5
Solvency100=
Growth67▲+17
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 6.76 against 20.8 in 2023; short-term debt: 13.7% and cash: 72.5% of total assets), and 21.6% 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 · 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-05-2025, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
71 d early
2023
65 d early
2022
68 d early
2021
61 d early
2020
71 d early
2019
49 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Turnover
€361k▲ 9.7%
2023 · €329k
2018: €282k
2019: €221k
2020: €225k
2021: €263k
2022: €250k
2023: €329k
2018 → 2024
EBIT margin
23.7%▲ 6.5pp
2023 · 17.1%
2018: 23.3%
2019: 14.7%
2020: 15.1%
2021: 21.8%
2022: 6.9%
2023: 17.1%
2018 → 2024
Net result
€61k▲ 48.6%
2023 · €41k
2018: €48k
2019: €24k
2020: €25k
2021: €43k
2022: €14k
2023: €41k
2018 → 2024
Working capital
€355k▲ 6.6%
2023 · €334k
2018: €258k
2019: €265k
2020: €306k
2021: €359k
2022: €306k
2023: €334k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€225k-€263k▲ 16.7%€250k▼ 5.1%€329k▲ 31.7%€361k▲ 9.7%
Equity€344k-€388k▲ 12.6%€317k▼ 18.3%€358k▲ 12.9%€353k▼ 1.2%
Operating result€34k-€57k▲ 68.7%€17k▼ 70.0%€56k▲ 228%€85k▲ 51.4%
Net result€25k-€43k▲ 71.8%€14k▼ 67.2%€41k▲ 188%€61k▲ 48.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 51% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €451k
Fixed assets
€34k▲ 39.6%
Current assets
€417k▲ 19.0%
Equity and liabilities €451k
Equity
€353k▼ 1.2%
Debt
€97k▲ 478%
The debt ratio rises from 4.5% to 21.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€91k▲
2023 · €59k
Cash flow
€66k▲
2023 · €43k
Solvency
78.4%▼
2023 · 95.5%
Current ratio
6.76▼
2023 · 20.80
Quick ratio
6.76▼
2023 · 20.80
Debt / equity
0.28▲
2023 · 0.05
ROE
17.2%▲
2023 · 11.4%
ROA
13.5%▲
2023 · 10.9%
Interest coverage
781.14▲
2023 · 575.81
Debt
€97k▲
2023 · €17k
Debt ≤ 1 year
€62k▲
2023 · €17k
Income taxes
€25k▲
2023 · €17k
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€375k€451k▲
Fixed assets21/28€24k€34k▲
Tangible fixed assets22/27€9k€19k▲
Plant, machinery and equipment23€457€1k▲
Furniture and vehicles24€7k€17k▲
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€15k€15k=
Current assets29/58€350k€417k▲
Amounts receivable after more than one year29-€12k
Trade receivables290-€12k
Amounts receivable within one year40/41€36k€23k▼
Other amounts receivable41€36k€23k▼
Current investments50/53-€50k
Cash at bank and in hand54/58€315k€327k▲
Deferred charges and accrued income490/1-€5k
Equity and liabilities
Total equity and liabilities10/49€375k€451k▲
Equity10/15€358k€353k▼
Contributions10/11€19k€19k=
Reserves13€339k€335k▼
Distributable reserves133€339k€335k▼
Amounts payable17/49€17k€97k▲
Amounts payable within one year42/48€17k€62k▲
Taxes, remuneration and social security45€17k€42k▲
Taxes450/3€17k€42k▲
Other amounts payable47/48-€20k
Accrued charges and deferred income492/3-€36k
Income statement
Code20232024
Turnover70€329k€361k▲
Goods, raw materials, services and sundry goods60/61€269k€269k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€5k▲
Other operating charges640/8€1k€998▼
Gross operating margin9900€60k€92k▲
Operating profit (loss)9901€56k€85k▲
Financial income75/76B€2k€440▼
Recurring financial income75€2k€440▼
Financial charges65/66B€102€116▲
Recurring financial charges65€102€116▲
Profit (loss) for the period before taxes9903€58k€86k▲
Income taxes67/77€17k€25k▲
Profit (loss) for the period9904€41k€61k▲
Profit (loss) for the period to be appropriated9905€41k€61k▲
Appropriation of the result
Profit (loss) to be appropriated9906€41k€61k▲
Transfer from equity791/2-€65k
Transfer to equity691/2€41k€61k▲
To other reserves6921€41k€61k▲
Profit to be distributed694/7-€65k
Return on contributions (dividend)694-€65k
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
21-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €61k ▲48.6%
Operating result €85k, net result €61k, both a record.
27-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity times 5current ratio 20.80
Current ratio from 4.26 to 20.80; short-term debt falls from €94k to €17k.
24-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €14k ▼67.2%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
21-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity doublescurrent ratio 346.83
Current ratio from 152.63 to 346.83; short-term debt falls from €2k to €885.
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Liquidity times 8current ratio 152.63
Current ratio from 18.11 to 152.63; short-term debt falls from €15k to €2k.
29-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
31-05
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
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, Dendermonde
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.
Sint-Onolfsdijk (DEN) 169200 DendermondeGround area
1,513 m²
Building footprint
219 m²
Volume, LiDAR
1,152 m³
Parcel 42006B0319/00L000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42006B0319/00L000 | Flanders | 1,513 m² | 1 · 219 m² | 9.0 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-01-2004
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.