Drs. Vandenecker - Decock
ActiveDrs. Vandenecker - Decock has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €221k and a net result of €62k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 79% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 5.22 against 10.25 in 2024; short-term debt: 12.1% and cash: 56.3% of total assets), and 12.5% 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+raises 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
87.5%
Return on assets
24.7%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
8 d early
2024
28 d early
2023
9 d early
2022
17 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€221k▼ 56.9%
2024 · €513k
2022: €61k
2023: €221k
2024: €513k
2022 → 2025
Total assets
€253k▼ 55.3%
2024 · €566k
2022: €113k
2023: €247k
2024: €566k
2022 → 2025
Net result
€62k▼ 78.6%
2024 · €292k
2022: €58k
2023: €162k
2024: €292k
2022 → 2025
Working capital
€129k▼ 68.9%
2024 · €414k
2022: €61k
2023: €167k
2024: €414k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€61k-€221k▲ 261%€513k▲ 132%€221k▼ 56.9%
Operating result€80k-€233k▲ 191%€387k▲ 66.1%€81k▼ 79.2%
Net result€58k-€162k▲ 180%€292k▲ 80.5%€62k▼ 78.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 79% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €253k
Fixed assets
€93k▼ 12.5%
Current assets
€160k▼ 65.2%
Equity and liabilities €253k
Equity
€221k▼ 56.9%
Debt
€32k▼ 39.9%
The debt ratio rises from 9.3% to 12.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€108k▼
2024 · €401k
Cash flow
€90k▼
2024 · €307k
Solvency
87.5%▼
2024 · 90.7%
Current ratio
5.22▼
2024 · 10.25
Quick ratio
5.22▼
2024 · 10.25
Debt / equity
0.14▲
2024 · 0.10
ROE
28.2%▼
2024 · 56.9%
ROA
24.7%▼
2024 · 51.6%
Interest coverage
87.81▼
2024 · 251.82
Debt
€32k▼
2024 · €53k
Debt ≤ 1 year
€31k▼
2024 · €45k
Income taxes
€17k▼
2024 · €93k
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€566k€253k▼
Fixed assets21/28€107k€93k▼
Tangible fixed assets22/27€107k€93k▼
Furniture and vehicles24€103k€90k▼
Other tangible fixed assets26€4k€4k▼
Current assets29/58€459k€160k▼
Amounts receivable within one year40/41€7k€13k▲
Other amounts receivable41€7k€13k▲
Cash at bank and in hand54/58€410k€142k▼
Deferred charges and accrued income490/1€42k€5k▼
Equity and liabilities
Total equity and liabilities10/49€566k€253k▼
Equity10/15€513k€221k▼
Contributions10/11€5k€5k=
Reserves13€508k€216k▼
Distributable reserves133€508k€216k▼
Amounts payable17/49€53k€32k▼
Amounts payable within one year42/48€45k€31k▼
Trade debts44€15k€16k▲
Suppliers440/4€15k€16k▲
Other amounts payable47/48€30k€14k▼
Accrued charges and deferred income492/3€8k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€27k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€403k€109k▼
Operating profit (loss)9901€387k€81k▼
Financial income75/76B€159€496▲
Recurring financial income75€159€496▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€385k€80k▼
Income taxes67/77€93k€17k▼
Profit (loss) for the period9904€292k€62k▼
Profit (loss) for the period to be appropriated9905€292k€62k▼
Appropriation of the result
Profit (loss) to be appropriated9906€292k€62k▼
Transfer from equity791/2-€292k
Transfer to equity691/2€292k-
To other reserves6921€292k-
Profit to be distributed694/7-€354k
Return on contributions (dividend)694-€354k
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
Next filing, fiscal year 2026, expected by
2026
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €292k ▲80.5%
Operating result €387k, net result €292k, both a record.
31-12
Financial
Equity above €500kEq €513k ▲132%
3 profitable years in a row build equity to €513k.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 8.09
Current ratio from 2.17 to 8.09; short-term debt falls from €52k to €24k.
31-12
Financial
Equity above €200kEq €221k ▲261%
2 profitable years in a row build equity to €221k.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Maarkedal · 1 establishment unit since 2022
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.
Heidje 89681 MaarkedalGround area
998 m²
Building footprint
171 m²
Parcel 45032A0160/00B000, Flanders. Linked by address, not a title deed.
1 establishment unit
Drs. Vandenecker - Decock
since 20222.334.565.712
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45032A0160/00B000 | Flanders | 998 m² | 1 · 171 m² | - |
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.
Similar companies · same sector, comparable size
MEDIHART
BE 0833.792.501
Koekelberg · Eq €221k
DOKTER ELS JOUCK
BE 0653.961.825
Hasselt · Eq €221k
Dr. Cadron Annelies Huisarts
BE 0725.659.770
Beveren-Kruibeke-Zwijndrecht · Eq €221k
Dokter Lisa Vander Stichele
BE 0798.110.753
Zedelgem · Eq €221k
Dr. Panis Karolien - huisarts
BE 0777.511.220
Lanaken · Eq €221k
Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 5,341 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-08-2022
Fiscal year end31-12
Activities, NACEBEL
86210General medical practice
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.