Dr. Simons - Dr. Annaert
ActiveDr. Simons - Dr. Annaert has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €718k and a net result of €250k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 42% of 518 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
98
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency96▼-4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 1.98 against 4.67 in 2024), and 46.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 72
Relative position
BE, all sectors
reference
Sector 72
lower
← fewer bankruptcies
more bankruptcies →
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
53.6%
Return on assets
18.6%
Age of the figures
8 mo
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 · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
31 d early
2023
33 d early
2022
7 d early
2021
1 d early
2020
25 d early
2019
21 d early
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€718k▼ 31.3%
2024 · €1.05M
2018: €398k
2019: €548k
2020: €685k
2021: €797k
2022: €897k
2023: €976k
2024: €1.05M
2018 → 2025
Total assets
€1.34M▼ 3.8%
2024 · €1.39M
2018: €773k
2019: €871k
2020: €968k
2021: €1.16M
2022: €1.37M
2023: €1.35M
2024: €1.39M
2018 → 2025
Net result
€250k▲ 13.8%
2024 · €219k
2018: €148k
2019: €150k
2020: €137k
2021: €212k
2022: €228k
2023: €228k
2024: €219k
2018 → 2025
Working capital
€494k▼ 40.6%
2024 · €832k
2018: €284k
2019: €397k
2020: €493k
2021: €604k
2022: €658k
2023: €752k
2024: €832k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€797k-€897k▲ 12.6%€976k▲ 8.8%€1.05M▲ 7.1%€718k▼ 31.3%
Operating result€243k-€331k▲ 36.3%€336k▲ 1.5%€320k▼ 4.8%€358k▲ 12.0%
Net result€212k-€228k▲ 7.8%€228k▼ 0.4%€219k▼ 3.6%€250k▲ 13.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 12% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.34M
Fixed assets
€338k▲ 1.7%
Current assets
€1,000k▼ 5.5%
Equity and liabilities €1.34M
Equity
€718k▼ 31.3%
Debt
€620k▲ 79.5%
The debt ratio rises from 24.8% to 46.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€411k▲
2024 · €375k
Cash flow
€302k▲
2024 · €275k
Solvency
53.6%▼
2024 · 75.2%
Current ratio
1.98▼
2024 · 4.67
Quick ratio
1.98▼
2024 · 4.67
Debt / equity
0.86▲
2024 · 0.33
ROE
34.8%▲
2024 · 21.0%
ROA
18.6%▲
2024 · 15.8%
Interest coverage
76.00▲
2024 · 68.22
Debt
€620k▲
2024 · €345k
Debt ≤ 1 year
€506k▲
2024 · €227k
Debt > 1 year
€82k▼
2024 · €119k
Income taxes
€115k▲
2024 · €104k
Staff costs
€6k▼
2024 · €7k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.39M€1.34M▼
Fixed assets21/28€332k€338k▲
Tangible fixed assets22/27€332k€338k▲
Land and buildings22€240k€222k▼
Plant, machinery and equipment23€37k€34k▼
Furniture and vehicles24€55k€81k▲
Financial fixed assets28€45€45=
Current assets29/58€1.06M€1,000k▼
Amounts receivable after more than one year29€37k€0▼
Other amounts receivable291€37k€0▼
Amounts receivable within one year40/41€76k€30▼
Trade receivables40-€30
Other amounts receivable41€76k€0▼
Current investments50/53€755k€753k▼
Cash at bank and in hand54/58€51k€108k▲
Deferred charges and accrued income490/1€139k€140k▲
Equity and liabilities
Total equity and liabilities10/49€1.39M€1.34M▼
Equity10/15€1.05M€718k▼
Contributions10/11€13k€13k=
Reserves13€1.03M€705k▼
Distributable reserves133€1.03M€705k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€345k€620k▲
Amounts payable after more than one year17€119k€82k▼
Financial debts170/4€119k€82k▼
Amounts payable within one year42/48€227k€506k▲
Current portion of amounts payable after more than one year42€60k€62k▲
Trade debts44€5k€6k▲
Suppliers440/4€5k€6k▲
Taxes, remuneration and social security45€13k€22k▲
Taxes450/3€12k€22k▲
Remuneration and social security454/9€241€440▲
Other amounts payable47/48€150k€415k▲
Accrued charges and deferred income492/3-€33k
Income statement
Code20242025
Remuneration, social security and pensions62€7k€6k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€53k▼
Other operating charges640/8€1k€3k▲
Gross operating margin9900€383k€420k▲
Operating profit (loss)9901€320k€358k▲
Financial income75/76B€9k€12k▲
Recurring financial income75€9k€12k▲
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€323k€365k▲
Income taxes67/77€104k€115k▲
Profit (loss) for the period9904€219k€250k▲
Profit (loss) for the period to be appropriated9905€219k€250k▲
Appropriation of the result
Profit (loss) to be appropriated9906€219k€250k▲
Transfer from equity791/2€150k€577k▲
Transfer to equity691/2€219k€250k▲
To other reserves6921€219k€250k▲
Profit to be distributed694/7€150k€577k▲
Return on contributions (dividend)694€150k€577k▲
The notes to these accounts (15 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 2018net €250k ▲13.8%
Operating result €358k, net result €250k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €1MEq €1.05M ▲7.1%
7 profitable years in a row build equity to €1.05M.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €137k ▼8.8%
Net result drops to €137k, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €500kEq €548k ▲37.7%
2 profitable years in a row build equity to €548k.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Lummen
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.
Hoogstraat 913560 LummenGround area
1,569 m²
Building footprint
181 m²
Volume, LiDAR
674 m³
Parcel 71037C2452/00F000, Flanders · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71037C2452/00F000 | Flanders | 1,568 m² | 1 · 181 m² | 6.5 m · 1 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.
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Of 756 companies in sector 72101 we hold annual accounts for 478. 308 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-09-2006
Fiscal year end31-12
Activities, NACEBEL
72101Research and development on biotechnology
86220Specialist medical practice
72109Other research and development on natural sciences
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.