Financials
- Financial year
- 2025
- Total assets
- €66,785
- Profit
- €22,196
- Solvency
- 37.7%
Dr. Stefan Ernens
ActiveSummary
Dr. Stefan Ernens has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25,196 and a net result of €22,196. The computed 12-month bankruptcy probability is 1.2% (low).
Overview
Activity
“De uitoefening van de geneeskunde in naam en voor rekening van de vennootschap en…” (deed in Dutch)
From the articles, 4 activitiesNo NACE code in the KBO yet1 site
Size
€66,785total assets 2025
- Equity
- €25,196
- Profit
- €22,196
Turnover not published (abbreviated format)
Why 66raises riskFounded in 2025No main activity registeredlowers riskSize: total assets €66,785Liquidity: current ratio 0.54, cash €15,219Show the evidence
Checked score
Score 2025
66
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 52% of its sector peers (no NACE code, micro)
Financial strength
Strong
Solvency
63
equity 37.7% of total assets
Liquidity
46
short-term debt 62.3% · cash 22.8%
Profitability
100
return on assets 33.2%
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.54, below 1; short-term debt: 62.3% and cash: 22.8% of total assets), and 62.3% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 37% on solvency, 28% on liquidity and 90% on profitability.
The bankruptcy probability was computed on 18-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Five signals.
lowers riskraises riskneutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
28 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · abbreviated…
- IncorporationAppointment: ERNENS Stefan Armel (director)…
Key points
By topic
Board & ownership
- Board
- 1 member
- ERNENS Stefan ArmelDirector
Timeline
- Events
- 2
- Since
- 2025
Company details
- Sites
- 1
- Legal form
- Private limited company
- Founded
- 13-10-2025
- Year ends
- 31-12
- Peppol
- Not found in the Peppol directory
Articles of association
- Provisions read
- 11
- Annual meeting
- Last Wednesday of June at 14:00
- Purpose
- “De uitoefening van de geneeskunde in naam en voor rekening van de vennootschap en meer…” (deed in Dutch)
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