ELHM · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of ELHM is 2.0% (moderate). The 2025 annual accounts show equity of €686k and a net result of €176k. The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-02-2026, 159 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 8 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 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	22-02-2026	159 d early	2026-00042648
31-12-2024	31-07-2025	30-08-2025	30 d late	2025-00449721
31-12-2023	31-07-2024	27-05-2024	65 d early	2024-00096149
31-12-2022	31-07-2023	01-09-2023	32 d late	2023-00410763
31-12-2021	31-07-2022	01-09-2022	32 d late	2022-20425883
31-12-2020	31-07-2021	30-09-2021	61 d late	2021-70700300
31-12-2019	31-07-2020	21-01-2021	174 d late	2021-02100493
31-12-2018	31-07-2019	31-08-2019	31 d late	2019-62600107

Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. 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 2018, 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

2.0% Moderate

0%0,5%1,5%4%10%≥25%

No NACE activity registered +Multiple establishment units +Higher-failure-rate region +

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

Financials

TurnoverNot published (micro schema)

EBIT marginNot published (micro schema)

Net result€176k-3.1%

Working capital€636k+39.5%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 22-02-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

EBITDA

€246k

-14.7% 24-25

Net profit

€176k

-3.1% 24-25

Cash flow

€201k

-25.9% 24-25

Total assets

€1.26M

+16.7% 24-25

Equity

€686k

+34.4% 24-25

Working capital

€636k

+39.5% 24-25

Staff costs

€4k

-3.5% 24-25

Income taxes

€59k

+94.6% 24-25

Show 10 other metrics

Debt

€572k

+0.8% 24-25

Debt ≤ 1y

€83k

+40.7% 24-25

Debt > 1y

€489k

-3.9% 24-25

Current ratio

8.64

-0.8% 24-25

Quick ratio

8.64

-0.8% 24-25

Solvency

54.5%

+15.2% 24-25

Debt / equity

0.83

-25.0% 24-25

ROE

25.6%

-27.9% 24-25

ROA

13.9%

-17.0% 24-25

Interest coverage

12.76

-49.6% 24-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro schema
Revenue	-
EBITDA	€246k
Net profit	€176k
Cash flow	€201k
Staff costs	€4k
Income taxes	€59k
Dividends	-
Total assets	€1.26M
Equity	€686k
Debt	€572k
of which ≤ 1y	€83k
of which > 1y	€489k
Working capital	€636k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	8.64
Quick ratio	8.64
Working capital ratio	50.5%
Solvency	54.5%
Debt / equity	0.83
Long-term debt ratio	0.71
Interest coverage	12.76
Gross margin	-
Net margin	-
ROA	13.9%
ROE	25.6%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €540k · 42.9% Current assets €719k · 57.1%

Equity & liabilities

Equity €686k · 54.5% Debt €572k · 45.5%

Full annual accounts (23 line items)

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

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.26M
Fixed assets	21/28	€540k
Tangible fixed assets	22/27	€529k
Financial fixed assets	28	€11k
Current assets	29/58	€719k
Cash & bank	54/58	€82k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.26M
Equity	10/15	€686k
Contributions / capital	10/11	€19k
Reserves	13	€41k
Accumulated profits (losses)	14	€627k
Amounts payable	17/49	€572k
Amounts payable after one year	17	€489k
Amounts payable within one year	42/48	€83k
Trade debts payable within one year	44	€1k
Income statement
Gross operating margin	9900	€255k
Operating result	9901	€221k
Financial income	75	€32k
Financial charges	65	€19k
Result before taxes	9903	€234k
Income taxes	67/77	€59k
Net result for the period	9904	€176k
Result to be appropriated	9905	€176k

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

93 / 100 Excellent

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.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Directors

Directors & mandates

no sitting director

4 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.

Former directors (1)

Mariem Nouri
Director
State Gazette act 25071184 (06-06-2025)

Former
- → 31-12-2023

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	-
Legal form	Private limited company (pre-2019)(015)
Incorporation	02-02-2018
Status	Active
Postal code	1410

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

2 locations

ELHM SPRL

Jetse Laan 308, 1090 JetteActiviteiten van tandartspraktijken

since 20182.277.532.779

My Clinic Dentiste Nivelles

Rue du Géant 8, 1400 NivellesActiviteiten van tandartspraktijken

since 20202.332.109.533

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

Parcels3

Ground area2,831 m²

Buildings3

Building footprint771 m²

Volume (LiDAR)10,312 m³

Tallest building20.0 m · ±5 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.

Wallonia 2 (66.7%) Brussels 1 (33.3%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25782D0599/00M000	Wallonia	1,557 m²	1 · 498 m²	20.0 m · 5 fl.
25764N0661/00_000	Wallonia	1,078 m²	1 · 157 m²	7.4 m · 2 fl.
21464E0002/02Z003	Brussels	196 m²	1 · 116 m²	17.4 m · 4 fl.

Methodology

via registered seat: 1 · via establishment units: 2

3 of 3 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

Belgisch Staatsblad · acts

1 act

All acts · 1 updated 1 year ago

2025

06-06-2025 Mariem Nouri resigns as director Director changes

Mariem Nouri, Bestuurder

Original publication ↗

Analysis

Financial profile

5 of 5 axes measured

88 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 93

Profitability 100

Solvency 97

Growth 52

Stability 100

Credit advice

verdict per customer and amount

Company registry

Company registry (CBE)

Crossroads Bank

Names & trade names

Legal nameFR

ELHM

Registered office

Avenue du Verseau 20

1410 Waterloo, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.