Dr. Thomas Ecker · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Dr. Thomas Ecker is 0.2% (very low). The 2024 annual accounts show equity of €81k and a net result of €-34k. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 80% of 6574 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

1 signal · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 80% of 6574 peers (2024). A comfortable equity buffer.

View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 13 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	30-09-2025	61 d late	2025-00529671
31-12-2023	31-07-2024	30-09-2024	61 d late	2024-00498301
31-12-2022	31-07-2023	31-08-2023	31 d late	2023-00419665
31-12-2021	31-07-2022	31-08-2022	31 d late	2022-20362198

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

Turnover€0

EBIT marginNot published (abbreviated filing)

Net result€-34k

Working capital€59k-39.5%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · micro

RevenueOperating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~7.1%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 86, Human health · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	86.3%	66.7%	better than 80% of 6574 sector peers
Net result	€-34k	€46k	better than 5% of 6568 sector peers
Equity	€81k	€79k	better than 51% of 6574 sector peers
Gross operating margin	€-27k	€78k	better than 5% of 6576 sector peers
Total assets	€94k	€154k	better than 32% of 6577 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P80

Improving position over 2021-2024 · n=1833-6574

Net result P5

Weakening position over 2021-2024 · n=1833-6568

Equity P51

Stable position over 2021-2024 · n=1833-6574

Gross operating margin P5

Weakening position over 2021-2024 · n=1834-6576

Describes the position versus peers, not a forecast.

Revenue

€0

- 21-24

EBITDA

€-28k

- 21-24

Net profit

€-34k

- 21-24

Cash flow

€-30k

- 21-24

Total assets

€94k

-21.4% 21-24

Equity

€81k

-29.4% 21-24

Working capital

€59k

-39.5% 21-24

Income taxes

€161

-90.2% 21-24

Debt

€13k

+169.1% 21-24

Debt ≤ 1y

€13k

+169.1% 21-24

Current ratio

5.56

-73.9% 21-24

Quick ratio

5.56

-73.9% 21-24

Solvency

86.3%

-10.1% 21-24

Debt / equity

0.16

+281.0% 21-24

ROE

-41.6%

- 21-24

ROA

-35.9%

- 21-24

Interest coverage

-8.29

- 21-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	€0
EBITDA	€-28k
Net profit	€-34k
Cash flow	€-30k
Staff costs	-
Income taxes	€161
Dividends	-
Total assets	€94k
Equity	€81k
Debt	€13k
of which ≤ 1y	€13k
of which > 1y	-
Working capital	€59k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	5.56
Quick ratio	5.56
Working capital ratio	62.5%
Solvency	86.3%
Debt / equity	0.16
Long-term debt ratio	-
Interest coverage	-8.29
Gross margin	-
Net margin	-
ROA	-35.9%
ROE	-41.6%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €22k · 23.8% Current assets €72k · 76.2%

Equity & liabilities

Equity €81k · 86.3% Debt €13k · 13.7%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€94k
Fixed assets	21/28	€22k
Tangible fixed assets	22/27	€22k
Current assets	29/58	€72k
Amounts receivable within one year	40/41	€239
Investments	50/53	€31k
Cash & bank	54/58	€40k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€94k
Equity	10/15	€81k
Contributions / capital	10/11	€5k
Accumulated profits (losses)	14	€76k
Amounts payable	17/49	€13k
Amounts payable within one year	42/48	€13k
Trade debts payable within one year	44	€1k
Income statement
Turnover	70	€0
Gross operating margin	9900	€-27k
Operating result	9901	€-32k
Financial income	75	€1k
Financial charges	65	€3k
Result before taxes	9903	€-34k
Income taxes	67/77	€161
Net result for the period	9904	€-34k
Result to be appropriated	9905	€-34k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

52 / 100 Fair

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Leuvensesteenweg 7283070 Kortenberg

Establishment units

1 location

Dr. Thomas Ecker

Leuvensesteenweg 728, 3070 KortenbergActiviteiten van medisch specialisten

since 20212.319.347.796

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area255 m²

Buildings1

Building footprint157 m²

Volume (LiDAR)1,332 m³

Tallest building10.8 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24055B0189/00S007	Flanders	255 m²	1 · 157 m²	10.8 m · 3 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

60 / 100

Strong profile, led by solvency.

All 5 axes are computed from data Checked has read.

Health 52

Profitability 0

Solvency 100

Growth 52

Stability 94

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