DR. TOM DE BACKER
ActiveDR. TOM DE BACKER has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.04M and a net result of €435k. Equity is growing by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 82% of 2324 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
97
/ 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
Profitability92▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €190k at 30 days acceptable
Liquidity ample (current ratio 7.08 against 5.13 in 2024; short-term debt: 11.3% and cash: 33.1% of total assets), and 11.3% 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 86
Relative position
BE, all sectors
reference
Sector 86
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
88.7%
Return on assets
18.9%
Age of the figures
9 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
50 d late
2023
30 d late
2022
21 d early
2021
31 d late
2020
30 d late
2019
31 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.04M▲ 15.1%
2024 · €1.78M
2018: €1.30M
2019: €1.44M
2020: €1.41M
2021: €1.40M
2022: €1.33M
2023: €1.51M
2024: €1.78M
2018 → 2025
Total assets
€2.30M▲ 7.2%
2024 · €2.15M
2018: €1.34M
2019: €1.47M
2020: €1.66M
2021: €1.78M
2022: €1.92M
2023: €1.88M
2024: €2.15M
2018 → 2025
Net result
€435k▲ 5.0%
2024 · €414k
2018: €175k
2019: €145k
2020: €167k
2021: €192k
2022: €283k
2023: €351k
2024: €414k
2018 → 2025
Working capital
€1.58M▲ 5.3%
2024 · €1.50M
2018: €1.21M
2019: €1.32M
2020: €1.33M
2021: €1.33M
2022: €1.29M
2023: €1.39M
2024: €1.50M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.40M-€1.33M▼ 5.0%€1.51M▲ 13.2%€1.78M▲ 17.9%€2.04M▲ 15.1%
Operating result€282k-€398k▲ 41.2%€492k▲ 23.6%€595k▲ 20.8%€612k▲ 2.9%
Net result€192k-€283k▲ 47.1%€351k▲ 24.0%€414k▲ 18.2%€435k▲ 5.0%
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 has risen four years in a row; 2025 is 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.30M
Fixed assets
€465k▲ 61.8%
Current assets
€1.84M▼ 1.3%
Equity and liabilities €2.30M
Equity
€2.04M▲ 15.1%
Debt
€260k▼ 30.6%
The debt ratio falls from 17.4% to 11.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€692k▲
2024 · €635k
Cash flow
€516k▲
2024 · €454k
Solvency
88.7%▲
2024 · 82.6%
Current ratio
7.08▲
2024 · 5.13
Quick ratio
7.08▲
2024 · 5.13
Debt / equity
0.13▼
2024 · 0.21
ROE
21.3%▼
2024 · 23.3%
ROA
18.9%▼
2024 · 19.3%
Interest coverage
39.49▼
2024 · 165.46
Debt
€260k▼
2024 · €374k
Debt ≤ 1 year
€260k▼
2024 · €363k
Income taxes
€202k▲
2024 · €197k
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€2.15M€2.30M▲
Fixed assets21/28€287k€465k▲
Tangible fixed assets22/27€281k€455k▲
Furniture and vehicles24€34k€117k▲
Other tangible fixed assets26€246k€338k▲
Financial fixed assets28€7k€10k▲
Current assets29/58€1.86M€1.84M▼
Amounts receivable within one year40/41€27k€22k▼
Other amounts receivable41€27k€22k▼
Current investments50/53€1.53M€1.05M▼
Cash at bank and in hand54/58€302k€762k▲
Equity and liabilities
Total equity and liabilities10/49€2.15M€2.30M▲
Equity10/15€1.78M€2.04M▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€1.76M€2.03M▲
Distributable reserves133€1.76M€2.03M▲
Amounts payable17/49€374k€260k▼
Amounts payable after more than one year17€11k-
Financial debts170/4€11k-
Amounts payable within one year42/48€363k€260k▼
Current portion of amounts payable after more than one year42€27k€11k▼
Trade debts44€5k€13k▲
Suppliers440/4€5k€13k▲
Taxes, remuneration and social security45€150k€65k▼
Taxes450/3€150k€65k▼
Other amounts payable47/48€181k€171k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€81k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€638k€695k▲
Operating profit (loss)9901€595k€612k▲
Financial income75/76B€21k€42k▲
Recurring financial income75€21k€42k▲
Financial charges65/66B€4k€18k▲
Recurring financial charges65€4k€18k▲
Profit (loss) for the period before taxes9903€611k€637k▲
Income taxes67/77€197k€202k▲
Profit (loss) for the period9904€414k€435k▲
Profit (loss) for the period to be appropriated9905€414k€435k▲
Appropriation of the result
Profit (loss) to be appropriated9906€414k€435k▲
Transfer from equity791/2€145k€167k▲
Transfer to equity691/2€414k€435k▲
To other reserves6921€414k€435k▲
Profit to be distributed694/7€145k€167k▲
Return on contributions (dividend)694€145k€167k▲
The notes to these accounts (10 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €435k ▲5%
Operating result €612k, net result €435k, both a record.
31-12
Financial
Equity above €2MEq €2.04M ▲15.1%
8 profitable years in a row build equity to €2.04M.
19-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 50 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €145k ▼17.2%
Net result drops to €145k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB 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 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Knokke-Heist · 1 establishment unit since 2019
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.
Kalfstraat 268300 Knokke-HeistGround area
3,536 m²
Building footprint
698 m²
Volume, LiDAR
3,629 m³
2 parcels, Flanders · tallest building 20.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dr Tom De Backer
since 20192.294.497.485
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23021A0343/00G000 | Flanders | 2,350 m² | 1 · 421 m² | 20.1 m · 2 fl. |
| 31333I0792/00M002 | Flanders | 1,186 m² | 1 · 277 m² | 10.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
25490003SRF008D64G94
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Of 16,628 companies in sector 86220 we hold annual accounts for 7,973. 4,583 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-03-2005
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.