Financials
- Fiscal year
- 2025
- Total assets
- €115,627
- Profit
- €5,309
- Solvency
- 73.1%
Total assets▼ 16.1%
Net result
20232025
Grâce Pham
ActiveSummary
Grâce Pham has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €84,486 and a net result of €5,309. Equity is growing by ~28.9% per year across the filed fiscal years. Its solvency ranks better than 60% of 18230 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Overview
What they do
General medical practice
NACE 86210
1 site
How big
€115,627total assets 2025
- Equity
- €84,486
- Profit
- €5,309
Turnover not published (abridged schema)
Who decides
Accounts filed 27 d late0 of 1 deed read
Why 94+ Sector Human health activities (NACE 86)+ Liquidity: current ratio 6.05, cash €41,593+ Figures for FY 2025 (filed 28-05-2026)+ Equity €84,486 (73.1% of total assets)Show the evidence
Checked score
Score 2025
94
/ 100
Excellent
Probability in this band: under 0.55%
Better than 48% of its sector peers (NACE 86, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
98+15
equity 73.1% of total assets
Liquidity
94+51
short-term debt 11.0% · cash 36.0%
Profitability
36-64
return on assets 4.6%
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 3 months
08-2026: < 0.1%highest value
09-2026: < 0.1%▼ -12.1% vs 08-2026lowest value
10-2026: < 0.1%● 0.0% vs 09-2026lowest value
- Sector Human health activities (NACE 86) lowers the probability
- Liquidity: current ratio 6.05, cash €41,593 lowers the probability
- Figures for FY 2025 (filed 28-05-2026) lowers the probability
- Equity €84,486 (73.1% of total assets) lowers the probability
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 6.05 against 2.92 in 2024; short-term debt: 11% and cash: 36% of total assets), and 26.9% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 86, micro). Better than this share of them on solvency 61%, liquidity 81%, profitability 6%, growth against the median 45%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-05-2026, 27 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 · 3 filingsDeviation from the deadline
2025
27 d late
2024
on the day
2023
5 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 7 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 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 30 April (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close02-10-2026 today30-04-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet €5,309 ▼87.4%
- Liquidity doublescurrent ratio 6.05
Key points
By topic
Timeline
- Events
- 6
- Since
- 2024
- Next accounts
- by 30-04-2027
- 27-05-2026Annual accounts filed
- 30-09-2025Weakest financial year
- 30-09-2025Liquidity doubles
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- General medical practiceNACE 86210
- Founded
- 29-12-2022
- Year ends
- 30-09
- Peppol
- Reachable for e-invoices
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