FM GYNECOLOGIE
ActiveFM GYNECOLOGIE has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €302k and a net result of €105k. Equity is growing by ~49.1% per year across the filed fiscal years. Its solvency ranks better than 61% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
98
/ 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
Profitability100▲+15
Solvency99▲+13
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.01 against 1.66 in 2024; short-term debt: 24.9% and cash: 56.2% of total assets), and 26.4% 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 →
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
73.6%
Return on assets
25.7%
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 28-08-2026, 28 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 · 4 filingsDeviation from the deadline
2025
28 d late
2024
25 d late
2023
28 d late
2022
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€302k▲ 53.7%
2024 · €196k
2022: €89k
2023: €155k
2024: €196k
2022 → 2025
Total assets
€410k▲ 27.6%
2024 · €321k
2022: €284k
2023: €378k
2024: €321k
2022 → 2025
Net result
€105k▲ 157%
2024 · €41k
2022: €86k
2023: €66k
2024: €41k
2022 → 2025
Working capital
€206k▲ 171%
2024 · €76k
2022: €-85k
2023: €15k
2024: €76k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€89k-€155k▲ 73.7%€196k▲ 26.5%€302k▲ 53.7%
Operating result€123k-€99k▼ 19.9%€69k▼ 30.2%€147k▲ 113%
Net result€86k-€66k▼ 23.7%€41k▼ 37.6%€105k▲ 157%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 113% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €409k
Fixed assets
€101k▼ 21.4%
Current assets
€308k▲ 60.9%
Equity and liabilities €410k
Equity
€302k▲ 53.7%
Debt
€108k▼ 13.5%
The debt ratio falls from 38.9% to 26.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€176k▲
2024 · €98k
Cash flow
€135k▲
2024 · €70k
Solvency
73.6%▲
2024 · 61.1%
Current ratio
3.01▲
2024 · 1.66
Quick ratio
3.01▲
2024 · 1.66
Debt / equity
0.36▼
2024 · 0.64
ROE
34.9%▲
2024 · 20.9%
ROA
25.7%▲
2024 · 12.8%
Interest coverage
15.85▲
2024 · 8.72
Debt
€108k▼
2024 · €125k
Debt ≤ 1 year
€102k▼
2024 · €115k
Income taxes
€30k▲
2024 · €16k
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€321k€410k▲
Formation expenses20€614€314▼
Fixed assets21/28€129k€101k▼
Intangible fixed assets21€116k€87k▼
Tangible fixed assets22/27€2k€3k▲
Furniture and vehicles24€2k€3k▲
Financial fixed assets28€12k€12k=
Current assets29/58€191k€308k▲
Amounts receivable after more than one year29€19k€19k=
Other amounts receivable291€19k€19k=
Cash at bank and in hand54/58€131k€230k▲
Deferred charges and accrued income490/1€42k€59k▲
Equity and liabilities
Total equity and liabilities10/49€321k€410k▲
Equity10/15€196k€302k▲
Contributions10/11€3k€3k=
Reserves13€193k€193k=
Distributable reserves133€193k€193k=
Profit (loss) carried forward14-€105k
Amounts payable17/49€125k€108k▼
Amounts payable within one year42/48€115k€102k▼
Trade debts44€2k€8k▲
Suppliers440/4€2k€8k▲
Taxes, remuneration and social security45€43k€25k▼
Taxes450/3€43k€25k▼
Other amounts payable47/48€71k€69k▼
Accrued charges and deferred income492/3€9k€6k▼
Income statement
Code20242025
Non-recurring operating income76A€2k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€30k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€100k€179k▲
Operating profit (loss)9901€69k€147k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€11k€11k▼
Recurring financial charges65€11k€11k▼
Profit (loss) for the period before taxes9903€58k€136k▲
Income taxes67/77€16k€30k▲
Profit (loss) for the period9904€41k€105k▲
Profit (loss) for the period to be appropriated9905€41k€105k▲
Appropriation of the result
Profit (loss) to be appropriated9906€41k€105k▲
Transfer to equity691/2€41k€0▼
To other reserves6921€41k€0▼
The notes to these accounts (14 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2022net €105k ▲157%
Operating result €147k, net result €105k, both a record.
31-12
Financial
Equity above €200kEq €302k ▲53.7%
4 profitable years in a row build equity to €302k.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Weakest financial yearnet €41k ▼37.6%
Net result drops to €41k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Equity above €150kEq €155k ▲73.7%
2 profitable years in a row build equity to €155k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Verviers · 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.
Rue Fonds de Loup 74800 VerviersGround area
35 m²
Parcel 63079A0016/00Y002, Wallonia. Linked by address, not a title deed.
1 establishment unit
FM GYNECOLOGIE
since 20222.331.293.446
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63079A0016/00Y002 | Wallonia | 35 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
Poliklinieken Solidaris Limburg
BE 0410.518.450
Hasselt · Eq €302k
Dr Julie GOUJON-DUBOIS
BE 0811.667.492
Clavier · Eq €302k
JEROLIST
BE 0808.935.161
Wetteren · Eq €302k
Dr. Goeminne Sofie
BE 0744.820.339
Herentals · Eq €302k
Dr. Alexander Strobbe
BE 0803.235.620
Herent · Eq €301k
Of 16,628 companies in sector 86220 we hold annual accounts for 7,974. 6,661 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-2022
Fiscal year end31-12
Activities, NACEBEL
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.