DR. TEMPELS
ActiveSummary
DR. TEMPELS has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.46M and a net result of €336k. Equity is growing by ~26.2% per year across the filed fiscal years. Its solvency ranks better than 86% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
96
/ 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▲+5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 11.94 against 9.64 in 2024; short-term debt: 8.1% and cash: 34.6% of total assets), and 8.1% 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○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 · 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
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
91.9%
Return on assets
21.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 14-01-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
43 d early
2023
49 d early
2022
on the day
2021
49 d early
2020
47 d early
2019
2 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.46M▲ 22.7%
2024 · €1.19M
2019: €329k
2020: €398k
2021: €568k
2022: €753k
2023: €1.00M
2024: €1.19M
2019 → 2025
Total assets
€1.59M▲ 20.6%
2024 · €1.31M
2019: €347k
2020: €422k
2021: €645k
2022: €809k
2023: €1.10M
2024: €1.31M
2019 → 2025
Net result
€336k▲ 47.0%
2024 · €229k
2019: €42k
2020: €68k
2021: €170k
2022: €184k
2023: €249k
2024: €229k
2019 → 2025
Working capital
€1.40M▲ 27.6%
2024 · €1.10M
2019: €306k
2020: €377k
2021: €548k
2022: €730k
2023: €894k
2024: €1.10M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€568k-€753k▲ 32.5%€1.00M▲ 33.0%€1.19M▲ 18.6%€1.46M▲ 22.7%
Operating result€245k-€265k▲ 8.2%€356k▲ 34.1%€334k▼ 6.2%€463k▲ 38.6%
Net result€170k-€184k▲ 8.2%€249k▲ 34.8%€229k▼ 8.0%€336k▲ 47.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 39% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.59M
Fixed assets
€55k ▼ 37.8%
Current assets
€1.53M ▲ 24.8%
Equity and liabilities €1.59M
Equity
€1.46M ▲ 22.7%
Debt
€129k ▲ 1.1%
The debt ratio falls from 9.7% to 8.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€481k▲
2024 · €360k
Cash flow
€354k▲
2024 · €255k
Current ratio
11.94▲
2024 · 9.64
Quick ratio
11.72▲
2024 · 9.16
Debt / equity
0.09▼
2024 · 0.11
ROE
23.1%▲
2024 · 19.2%
ROA
21.2%▲
2024 · 17.4%
Interest coverage
138.39▲
2024 · 75.28
Debt ≤ 1 year
€128k▲
2024 · €127k
Income taxes
€152k▲
2024 · €102k
Staff costs
€39k▲
2024 · €32k
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.31M€1.59M▲
Fixed assets21/28€88k€55k▼
Tangible fixed assets22/27€88k€55k▼
Land and buildings22€7k€6k▼
Plant, machinery and equipment23€79k€47k▼
Furniture and vehicles24€2k€2k▼
Current assets29/58€1.23M€1.53M▲
Stocks and contracts in progress3€61k€28k▼
Stocks30/36€61k€28k▼
Amounts receivable within one year40/41€4k€2k▼
Trade receivables40€4k€2k▼
Current investments50/53€580k€947k▲
Cash at bank and in hand54/58€576k€549k▼
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€1.31M€1.59M▲
Equity10/15€1.19M€1.46M▲
Contributions10/11€12k€12k=
Reserves13€1.12M€1.38M▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€1.12M€1.38M▲
Profit (loss) carried forward14€60k€60k=
Amounts payable17/49€127k€129k▲
Amounts payable within one year42/48€127k€128k▲
Trade debts44€3k€6k▲
Suppliers440/4€3k€6k▲
Taxes, remuneration and social security45€84k€58k▼
Taxes450/3€79k€53k▼
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€40k€64k▲
Accrued charges and deferred income492/3-€495
Income statement
Code20242025
Non-recurring operating income76A-€8k
Remuneration, social security and pensions62€32k€39k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€18k▼
Other operating charges640/8€8k€2k▼
Non-recurring operating charges66A€205€2k▲
Gross operating margin9900€401k€525k▲
Operating profit (loss)9901€334k€463k▲
Financial income75/76B€2k€28k▲
Recurring financial income75€2k€28k▲
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€331k€488k▲
Income taxes67/77€102k€152k▲
Profit (loss) for the period9904€229k€336k▲
Profit (loss) for the period to be appropriated9905€229k€336k▲
Appropriation of the result
Profit (loss) to be appropriated9906€289k€396k▲
Profit (loss) brought forward from the previous period14P€60k€60k=
Transfer from equity791/2€42k€67k▲
Transfer to equity691/2€229k€336k▲
To other reserves6921€229k€336k▲
Profit to be distributed694/7€42k€67k▲
Return on contributions (dividend)694€42k€67k▲
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
14-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €336k ▲47%
Operating result €463k, net result €336k, both a record.
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
13-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-06
Financial
Equity above €1MEq €1.00M ▲33%
5 profitable years in a row build equity to €1.00M.
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
12-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-04
Financial
Equity above €500kEq €568k ▲42.8%
3 profitable years in a row build equity to €568k.
2020
14-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
28-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
30-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
17-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
05-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 5 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Scherpenheuvel-Zichem · 1 establishment unit since 2018
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.
Basilieklaan 823270 Scherpenheuvel-ZichemGround area
462 m²
Building footprint
208 m²
Volume, LiDAR
1,887 m³
Parcel 24098A0372/00V000, Flanders · tallest building 13.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
DR. TEMPELS
since 20182.276.266.732
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24098A0372/00V000 | Flanders | 462 m² | 1 · 208 m² | 13.5 m · 4 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 402 EUR awarded · 402 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 402 EUR | 402 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 3,505 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-05-1988
Fiscal year end30-06
Activities, NACEBEL
86210General medical practice
72109Other research and development on natural sciences
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.