FACE CLINIC
ActiveSummary
FACE CLINIC has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €695k and a net result of €319k. Equity is growing by ~27.3% per year across the filed fiscal years. Its solvency ranks better than 36% of 2331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
75
/ 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
Profitability94▼-2
Solvency68▼-14
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity short (current ratio 0.25 against 0.32 in 2024; short-term debt: 36.3% and cash: 6.8% of total assets), and 56.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 →
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
43.3%
Return on assets
19.8%
Age of the figures
9 mo
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
29 d late
2023
28 d late
2022
58 d late
2021
6 d early
2020
17 d early
2019
8 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€319k▼ 16.4%
2024 · €381k
2018: €111k
2019: €117k
2020: €179k
2021: €248k
2022: €275k
2023: €340k
2024: €381k
2018 → 2025
Working capital
€-440k▼ 67.3%
2024 · €-263k
2018: €286k
2019: €4k
2020: €71k
2021: €12k
2022: €249k
2023: €220k
2024: €-263k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€215k-€489k▲ 128%€701k▲ 43.3%€977k▲ 39.3%€695k▼ 28.8%
Operating result€332k-€390k▲ 17.6%€469k▲ 20.3%€515k▲ 9.7%€429k▼ 16.6%
Net result€248k-€275k▲ 10.7%€340k▲ 23.9%€381k▲ 12.1%€319k▼ 16.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.61M
Fixed assets
€1.46M▼ 8.5%
Current assets
€144k▲ 14.6%
Equity and liabilities €1.61M
Equity
€695k▼ 28.8%
Debt
€912k▲ 22.0%
The debt ratio rises from 43.3% to 56.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€632k▼
2024 · €682k
Cash flow
€522k▼
2024 · €549k
Solvency
43.3%▼
2024 · 56.7%
Current ratio
0.25▼
2024 · 0.32
Quick ratio
0.25▼
2024 · 0.32
Debt / equity
1.31▲
2024 · 0.77
ROE
45.8%▲
2024 · 39.1%
ROA
19.8%▼
2024 · 22.1%
Interest coverage
63.51▼
2024 · 64.66
Debt
€912k▲
2024 · €747k
Debt ≤ 1 year
€584k▲
2024 · €389k
Debt > 1 year
€328k▼
2024 · €359k
Income taxes
€101k▼
2024 · €123k
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€1.72M€1.61M▼
Fixed assets21/28€1.60M€1.46M▼
Intangible fixed assets21€313-
Tangible fixed assets22/27€1.60M€1.46M▼
Land and buildings22€1.18M€1.07M▼
Plant, machinery and equipment23€298k€309k▲
Furniture and vehicles24€107k€72k▼
Other tangible fixed assets26€9k€8k▼
Financial fixed assets28€1k€1k=
Current assets29/58€126k€144k▲
Amounts receivable within one year40/41€3k€22k▲
Trade receivables40€3k€3k=
Other amounts receivable41-€19k
Cash at bank and in hand54/58€119k€109k▼
Deferred charges and accrued income490/1€4k€14k▲
Equity and liabilities
Total equity and liabilities10/49€1.72M€1.61M▼
Equity10/15€977k€695k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€956k€675k▼
Amounts payable17/49€747k€912k▲
Amounts payable after more than one year17€359k€328k▼
Financial debts170/4€359k€328k▼
Amounts payable within one year42/48€389k€584k▲
Current portion of amounts payable after more than one year42€121k€31k▼
Financial debts43€4k-
Credit institutions430/8€4k-
Trade debts44€102k€10k▼
Suppliers440/4€102k€10k▼
Taxes, remuneration and social security45€97k€63k▼
Taxes450/3€97k€63k▼
Other amounts payable47/48€64k€479k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€168k€203k▲
Other operating charges640/8€4k€1k▼
Gross operating margin9900€686k€634k▼
Operating profit (loss)9901€515k€429k▼
Financial income75/76B€710€535▼
Recurring financial income75€323€9▼
Non-recurring financial income76B€388€526▲
Financial charges65/66B€11k€10k▼
Recurring financial charges65€11k€10k▼
Profit (loss) for the period before taxes9903€505k€420k▼
Income taxes67/77€123k€101k▼
Profit (loss) for the period9904€381k€319k▼
Profit (loss) for the period to be appropriated9905€381k€319k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.06M€1.27M▲
Profit (loss) brought forward from the previous period14P€681k€956k▲
Profit to be distributed694/7€106k€600k▲
Return on contributions (dividend)694€106k€600k▲
The notes to these accounts (12 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
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €381k ▲12.1%
Operating result €515k, net result €381k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 28 days late
2023
31-12
Financial
Equity above €500kEq €701k ▲43.3%
6 profitable years in a row build equity to €701k.
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 3.07
Current ratio from 1.04 to 3.07; short-term debt falls from €259k to €120k.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €215k ▲49.3%
4 profitable years in a row build equity to €215k.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €100kEq €144k ▲309%
3 profitable years in a row build equity to €144k.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Waterloo · 2 establishment units since 2015
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.
Chaussée de Mont-St-Jean 2891410 WaterlooGround area
2,046 m²
Building footprint
254 m²
Volume, LiDAR
1,719 m³
2 parcels, Wallonia · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
FACE CLINIC
since 20152.245.775.870
Chaussée de Bruxelles 406, 1410 Waterloo
since 20242.362.269.407
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25762H0493/00B000 | Wallonia | 1,651 m² | 1 · 183 m² | 8.1 m · 2 fl. |
| 25110A0398/00A000 | Wallonia | 395 m² | 1 · 71 m² | 11.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 2
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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DR. M. CLAUS
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Of 16,627 companies in sector 86220 we hold annual accounts for 7,974. 6,162 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-09-2015
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:laurence.raymond66@gmail.com