DR. STEFAN CLOCKAERTS
ActiveSummary
DR. STEFAN CLOCKAERTS has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €116k and a net result of €198k. Equity is shrinking by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 31% of 19908 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
79
/ 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
Profitability100=
Solvency70▲+35
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.74 against 1.11 in 2023; short-term debt: 54.6% and cash: 1.4% of total assets), but 54.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €116k
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 23-06-2025, 38 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
37 d early
2022
35 d early
2021
38 d early
2020
37 d early
2019
4 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€116k▲ 526%
2023 · €19k
2018: €65k
2019: €167k
2020: €20k
2021: €20k
2022: €19k
2023: €19k
2018 → 2024
Total assets
€257k▲ 42.5%
2023 · €180k
2018: €99k
2019: €209k
2020: €94k
2021: €189k
2022: €216k
2023: €180k
2018 → 2024
Net result
€198k▲ 43.5%
2023 · €138k
2018: €78k
2019: €102k
2020: €111k
2021: €137k
2022: €174k
2023: €138k
2018 → 2024
Working capital
€104k▲ 475%
2023 · €18k
2018: €65k
2019: €158k
2020: €44k
2021: €15k
2022: €16k
2023: €18k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€20k-€20k=€19k▼ 9.1%€19k=€116k▲ 526%
Operating result€141k-€179k▲ 26.4%€225k▲ 26.0%€179k▼ 20.4%€261k▲ 45.6%
Net result€111k-€137k▲ 22.9%€174k▲ 27.5%€138k▼ 20.9%€198k▲ 43.5%
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 2024; 2024 is 46% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €257k
Fixed assets
€12k ▲ 2,313%
Current assets
€244k ▲ 36.0%
Equity and liabilities €257k
Equity
€116k ▲ 526%
Debt
€140k ▼ 13.2%
Debt's share of the balance-sheet total falls from 89.7% to 54.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€263k▲
2023 · €182k
Cash flow
€200k▲
2023 · €140k
Current ratio
1.74▲
2023 · 1.11
Debt to equity
1.20▼
2023 · 8.68
ROE
169.9%▼
2023 · 741.2%
ROA
77.1%▲
2023 · 76.6%
Interest coverage
104.49▲
2023 · 80.73
Debt ≤ 1 year
€140k▼
2023 · €161k
Income taxes
€62k▲
2023 · €42k
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 · 2024 against 2023 · 44 lines
Balance sheet
Code20232024
Assets
Total assets20/58€180k€257k▲
Fixed assets21/28€516€12k▲
Tangible fixed assets22/27€516€12k▲
Plant, machinery and equipment23€258-
Furniture and vehicles24€257€12k▲
Current assets29/58€180k€244k▲
Amounts receivable within one year40/41-€39k
Trade receivables40-€2k
Other amounts receivable41-€37k
Cash at bank and in hand54/58€18k€4k▼
Deferred charges and accrued income490/1€161k€201k▲
Equity and liabilities
Total equity and liabilities10/49€180k€257k▲
Equity10/15€19k€116k▲
Contributions10/11€19k€19k=
Reserves13-€98k
Distributable reserves133-€98k
Amounts payable17/49€161k€140k▼
Amounts payable within one year42/48€161k€140k▼
Current portion of amounts payable after more than one year42€14k€29k▲
Financial debts43€210€516▲
Credit institutions430/8€210€516▲
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Taxes, remuneration and social security45€2k€7k▲
Taxes450/3€2k€7k▲
Other amounts payable47/48€141k€100k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€341€415▲
Non-recurring operating charges66A-€257
Gross operating margin9900€182k€264k▲
Operating profit (loss)9901€179k€261k▲
Financial income75/76B€3k€1k▼
Recurring financial income75€3k€1k▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€179k€259k▲
Income taxes67/77€42k€62k▲
Profit (loss) for the period9904€138k€198k▲
Profit (loss) for the period to be appropriated9905€138k€198k▲
Appropriation of the result
Profit (loss) to be appropriated9906€138k€198k▲
Transfer to equity691/2-€98k
To other reserves6921-€98k
Profit to be distributed694/7€138k€100k▼
Return on contributions (dividend)694€138k€100k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
04-08
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- Board meeting, 23/06/2026
- Registered-office move, Laarstraat 34, 2840 Reet
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €198k ▲43.5%
Operating result €261k, net result €198k, both a record.
31-12
Financial
Equity above €100kEq €116k ▲526%
7 profitable years in a row build equity to €116k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €167k ▲158%
2 profitable years in a row build equity to €167k.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Rumst · 1 establishment unit since 2017
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.
Laarstraat 342840 RumstGround area
1,813 m²
Building footprint
376 m²
Volume, LiDAR
1,610 m³
Parcel 11036C0124/00H002, Flanders · tallest building 8.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DR. STEFAN CLOCKAERTS
since 20172.262.839.061
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11036C0124/00H002 | Flanders | 1,813 m² | 1 · 376 m² | 8.4 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 16,627 companies in sector 86220 we hold annual accounts for 7,974. 6,501 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
Founded24-02-2017
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
70200Business and other management consultancy
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.