GEMBER
ActiveSummary
GEMBER has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €161,680 and a net result of €23,266. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 79% of 16754 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability84▼-6
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days acceptable
Liquidity ample (current ratio 6.59 against 4.23 in 2024; short-term debt: 12.6% and cash: 56.5% of total assets), and 12.6% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
87.4%
Return on assets
12.6%
Age of the figures
18 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-11-2025, 30 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
30 d late
2024
30 d late
2023
30 d late
2022
on the day
2021
on the day
2020
30 d late
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 17 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close28-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€161,680▲ 8.9%
2024 · €148,415
Total assets
€184,977▲ 1.8%
2024 · €181,715
Net result
€23,266▼ 25.5%
2024 · €31,234
Working capital
€130,257▲ 21.2%
2024 · €107,458
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€37,894▲ 162%€30,271▼ 20.1%€25,237▼ 16.6%€41,108▲ 62.9%€35,955▼ 12.5%
Net result€26,569within the sector's middle half▲ 226%€20,854within the sector's middle half▼ 21.5%€17,006below the sector's middle half▼ 18.5%€31,234within the sector's middle half▲ 83.7%€23,266within the sector's middle half▼ 25.5%
Equity€118,321within the sector's middle half▲ 24.9%€137,175within the sector's middle half▲ 15.9%€137,181within the sector's middle half=€148,415within the sector's middle half▲ 8.2%€161,680within the sector's middle half▲ 8.9%
Total assets€176,361within the sector's middle half▲ 4.6%€176,838within the sector's middle half▲ 0.3%€176,752within the sector's middle half=€181,715within the sector's middle half▲ 2.8%€184,977within the sector's middle half▲ 1.8%
Debt€58,040▼ 21.5%€39,663▼ 31.7%€39,571▼ 0.2%€33,300▼ 15.8%€23,297▼ 30.0%
Working capital€82,101within the sector's middle half▲ 46.5%€106,026within the sector's middle half▲ 29.1%€118,627within the sector's middle half▲ 11.9%€107,458within the sector's middle half▼ 9.4%€130,257within the sector's middle half▲ 21.2%
Solvency67.1%within the sector's middle half▲ 10.9pp77.6%within the sector's middle half▲ 10.5pp77.6%within the sector's middle half=81.7%within the sector's middle half▲ 4.1pp87.4%above the sector's middle half▲ 5.7pp
Current ratio4.16within the sector's middle half▲ 0.835.57within the sector's middle half▲ 1.425.01within the sector's middle half▼ 0.564.23within the sector's middle half▼ 0.786.59within the sector's middle half▲ 2.36
Return on assets (ROA)15.1%within the sector's middle half▲ 10.2pp11.8%within the sector's middle half▼ 3.3pp9.6%within the sector's middle half▼ 2.2pp17.2%within the sector's middle half▲ 7.6pp12.6%within the sector's middle half▼ 4.6pp
above
within
below
the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings.
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 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €184,977
Fixed assets
€31,423 ▼ 23.3%
Current assets
€153,554 ▲ 9.1%
Equity and liabilities €184,977
Equity
€161,680 ▲ 8.9%
Debt
€23,297 ▼ 30.0%
Debt's share of the balance-sheet total falls from 18.3% to 12.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€45,489▼
2024 · €47,765
Cash flow
€32,800▼
2024 · €37,891
Debt to equity
0.14▼
2024 · 0.22
ROE
14.4%▼
2024 · 21.0%
Interest coverage
249.94▲
2024 · 59.93
Debt ≤ 1 year
€23,297▼
2024 · €33,300
Income taxes
€13,350▲
2024 · €9,673
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €802 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25,396 | €26,262 | €21,963 | €6,657 | €9,534 | ▲ 43.2% |
| Other operating charges640/8 | - | €1,744 | €1,782 | €1,928 | €1,022 | ▼ 47.0% |
| Gross operating margin9900 | €65,114 | €58,277 | €48,982 | €50,495 | €46,511 | ▼ 7.9% |
| Operating profit (loss)9901 | €37,894 | €30,271 | €25,237 | €41,108 | €35,955 | ▼ 12.5% |
| Financial income75/76B | - | €7 | €44 | €596 | €843 | ▲ 41.4% |
| Recurring financial income75 | - | €7 | €44 | €596 | €843 | ▲ 41.4% |
| Financial charges65/66B | - | €1,194 | €784 | €797 | €182 | ▼ 77.2% |
| Recurring financial charges65 | €2,083 | €1,194 | €784 | €797 | €182 | ▼ 77.2% |
| Profit (loss) for the period before taxes9903 | €35,811 | €29,084 | €24,497 | €40,907 | €36,616 | ▼ 10.5% |
| Income taxes67/77 | €9,242 | €8,230 | €7,491 | €9,673 | €13,350 | ▲ 38.0% |
| Profit (loss) for the period9904 | €26,569 | €20,854 | €17,006 | €31,234 | €23,266 | ▼ 25.5% |
| Profit (loss) for the period to be appropriated9905 | €26,569 | €20,854 | €17,006 | €31,234 | €23,266 | ▼ 25.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €176,361 | €176,838 | €176,752 | €181,715 | €184,977 | ▲ 1.8% |
| Fixed assets21/28 | €68,240 | €47,626 | €28,554 | €40,957 | €31,423 | ▼ 23.3% |
| Tangible fixed assets22/27 | €68,240 | €47,626 | €28,554 | €40,957 | €31,423 | ▼ 23.3% |
| Plant, machinery and equipment23 | - | - | - | €2,262 | €1,802 | ▼ 20.3% |
| Furniture and vehicles24 | - | €3,039 | €2,219 | €17,880 | €13,708 | ▼ 23.3% |
| Leasing and similar rights25 | - | €6,693 | - | - | - | - |
| Other tangible fixed assets26 | - | €37,894 | €26,335 | €20,815 | €15,913 | ▼ 23.6% |
| Current assets29/58 | €108,121 | €129,212 | €148,198 | €140,758 | €153,554 | ▲ 9.1% |
| Amounts receivable within one year40/41 | €44,065 | €49,995 | €55,418 | €63,982 | €48,986 | ▼ 23.4% |
| Other amounts receivable41 | - | €49,995 | €55,418 | €63,982 | €48,986 | ▼ 23.4% |
| Cash at bank and in hand54/58 | €63,331 | €78,959 | €92,754 | €76,776 | €104,568 | ▲ 36.2% |
| Deferred charges and accrued income490/1 | - | €258 | €26 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €176,361 | €176,838 | €176,752 | €181,715 | €184,977 | ▲ 1.8% |
| Equity10/15 | €118,321 | €137,175 | €137,181 | €148,415 | €161,680 | ▲ 8.9% |
| Contributions10/11 | €12,519 | €12,519 | €12,519 | €12,519 | €12,519 | = |
| Reserves13 | €71,359 | €91,359 | €90,359 | €105,359 | €118,359 | ▲ 12.3% |
| Non-distributable reserves130/1 | - | €91,359 | €90,359 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Other1319 | - | €89,500 | €88,500 | - | - | - |
| Distributable reserves133 | - | - | - | €103,500 | €116,500 | ▲ 12.6% |
| Profit (loss) carried forward14 | €34,443 | €33,297 | €34,303 | €30,537 | €30,802 | ▲ 0.9% |
| Amounts payable17/49 | €58,040 | €39,663 | €39,571 | €33,300 | €23,297 | ▼ 30.0% |
| Amounts payable after more than one year17 | €22,020 | €6,477 | - | - | - | - |
| Financial debts170/4 | - | €6,477 | - | - | - | - |
| Amounts payable within one year42/48 | €26,020 | €23,186 | €29,571 | €33,300 | €23,297 | ▼ 30.0% |
| Current portion of amounts payable after more than one year42 | - | €15,543 | €6,477 | - | - | - |
| Financial debts43 | - | €1,693 | €2,544 | - | - | - |
| Credit institutions430/8 | - | €1,693 | €2,544 | - | - | - |
| Taxes, remuneration and social security45 | - | €3,950 | €3,550 | €25,800 | €15,797 | ▼ 38.8% |
| Taxes450/3 | - | €3,950 | €3,550 | €5,800 | €5,797 | ▼ 0.1% |
| Remuneration and social security454/9 | - | - | - | €20,000 | €10,000 | ▼ 50.0% |
| Other amounts payable47/48 | - | €2,000 | €17,000 | €7,500 | €7,500 | = |
| Accrued charges and deferred income492/3 | - | €10,000 | €10,000 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €26,569 | €20,854 | €17,006 | €31,234 | €23,266 | ▼ 25.5% |
| + Depreciation and write-downs630 | €25,396 | €26,262 | €21,963 | €6,657 | €9,534 | ▲ 43.2% |
| Operating cash flow (approximation) | €51,965 | €47,116 | €38,969 | €37,891 | €32,800 | ▼ 13.4% |
| Investment in fixed assets (approximation) | - | -€5,648 | -€2,891 | -€19,060 | €0 | ▲ 100% |
| Change in cash | - | €15,628 | €13,795 | -€15,978 | €27,792 | ▲ 274% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
30-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
31-03
Financial
Equity above €150,000Eq €161,680 ▲8.9%
7 profitable years in a row build equity to €161,680.
2024
30-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
31-03
Financial
Highest result since 2019net €31,234 ▲83.7%
Operating result €41,108, net result €31,234, both a record.
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Equity above €100,000Eq €118,321 ▲24.9%
3 profitable years in a row build equity to €118,321.
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
31-03
Financial
Weakest financial yearnet €8,139 ▼30.3%
Net result drops to €8,139, the lowest in the series; recovery starts the following year.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
29-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2017
28-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2016
31-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Merelbeke-Melle · 1 establishment unit since 2003
Ground area
705 m²
Building footprint
106 m²
Volume, LiDAR
740 m³
Parcel 44043A0254/00K006, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GEMBER
since 20032.303.635.776
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44043A0254/00K006 | Flanders | 705 m² | 1 · 106 m² | 10.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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DOCTEUR FERDINANDO MARINO
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Of 9,128 companies in sector 86210 we hold annual accounts for 6,335. 5,475 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded08-04-1999
Fiscal year end31-03
Activities, NACEBEL 2025
86210General medical practice
86220Specialist medical practice
E-invoicing
Reachable via Peppol
Peppol ID
0208:0465834976
Also
9925:BE0465834976
Registered
18-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.