GRUMAZ ANNA PEDIATRIE
ActiveSummary
GRUMAZ ANNA PEDIATRIE has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €253k and a net result of €-3k. Equity is growing by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 28% of 2331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+6
Solvency58▲+4
Growth59▲+10
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 2.02 against 3.8 in 2024; short-term debt: 14.9% and cash: 11% of total assets), but 67.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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 · 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
18192122232425
2018 to 2025 · latest year €-3k
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-06-2026, 61 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
61 d late
2024
301 d late
2023
153 d late
2022
151 d late
2021
323 d late
2019
146 d late
2018
153 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€252k▲ 74.4%
2024 · €145k
2018: €122k
2019: €196k
2021: €159k
2022: €182k
2023: €201k
2024: €145k
2018 → 2025
EBIT margin
11.5%▲ 8.1pp
2024 · 3.4%
2018: 16.5%
2019: 40.0%
2021: 6.7%
2022: 22.9%
2023: 9.9%
2024: 3.4%
2018 → 2025
Net result
€-3k▲ 78.8%
2024 · €-16k
2018: €12k
2019: €52k
2021: €-16k
2022: €25k
2023: €12k
2024: €-16k
2018 → 2025
Working capital
€118k▼ 41.1%
2024 · €199k
2018: €155k
2019: €202k
2021: €240k
2022: €245k
2023: €221k
2024: €199k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€159k-€182k▲ 14.3%€201k▲ 10.4%€145k▼ 28.0%€252k▲ 74.4%
Equity€236k-€261k▲ 10.6%€273k▲ 4.6%€257k▼ 5.8%€253k▼ 1.3%
Operating result€11k-€42k▲ 290%€20k▼ 52.1%€5k▼ 75.5%€29k▲ 493%
Net result€-16k-€25k€12k▼ 51.5%€-16k€-3k▲ 78.8%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 493% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €773k
Fixed assets
€540k ▼ 10.6%
Current assets
€233k ▼ 13.9%
Equity and liabilities €773k
Equity
€253k ▼ 1.3%
Debt
€520k ▼ 15.9%
Debt's share of the balance-sheet total falls from 70.6% to 67.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€95k▲
2024 · €63k
Cash flow
€63k▲
2024 · €42k
Current ratio
2.02▼
2024 · 3.80
Debt to equity
2.05▼
2024 · 2.41
ROE
-1.3%▲
2024 · -6.2%
ROA
-0.4%▲
2024 · -1.8%
Interest coverage
5.60▲
2024 · 4.78
Debt ≤ 1 year
€116k▲
2024 · €71k
Debt > 1 year
€404k▼
2024 · €547k
Income taxes
€15k▲
2024 · €8k
Staff costs
€37k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€875k€773k▼
Fixed assets21/28€604k€540k▼
Tangible fixed assets22/27€604k€540k▼
Land and buildings22€563k€518k▼
Furniture and vehicles24€41k€23k▼
Current assets29/58€271k€233k▼
Amounts receivable after more than one year29€116k€116k=
Other amounts receivable291€116k€116k=
Cash at bank and in hand54/58€128k€85k▼
Deferred charges and accrued income490/1€27k€32k▲
Equity and liabilities
Total equity and liabilities10/49€875k€773k▼
Equity10/15€257k€253k▼
Contributions10/11€14k€14k=
Profit (loss) carried forward14€242k€239k▼
Amounts payable17/49€618k€520k▼
Amounts payable after more than one year17€547k€404k▼
Financial debts170/4€547k€404k▼
Amounts payable within one year42/48€71k€116k▲
Current portion of amounts payable after more than one year42€53k€74k▲
Trade debts44€15k€15k▲
Suppliers440/4€15k€15k▲
Taxes, remuneration and social security45-€6k
Remuneration and social security454/9-€6k
Other amounts payable47/48€3k€20k▲
Income statement
Code20242025
Turnover70€145k€252k▲
Goods, raw materials, services and sundry goods60/61€88k€127k▲
Remuneration, social security and pensions62-€37k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€66k▲
Other operating charges640/8€836€2k▲
Gross operating margin9900€64k€134k▲
Operating profit (loss)9901€5k€29k▲
Financial income75/76B€167€81▼
Recurring financial income75€167€81▼
Financial charges65/66B€13k€17k▲
Recurring financial charges65€13k€17k▲
Profit (loss) for the period before taxes9903€-8k€12k▲
Income taxes67/77€8k€15k▲
Profit (loss) for the period9904€-16k€-3k▲
Profit (loss) for the period to be appropriated9905€-16k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€242k€239k▼
Profit (loss) brought forward from the previous period14P€258k€242k▼
The notes to these accounts (7 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 61 days late
25-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 301 days late
2024
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 153 days late
30-09
Financial
Weakest financial yearnet €-16k ▼232%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
2023
29-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 151 days late
19-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 323 days late
2022
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
2021
31-12
Financial
Equity above €200kEq €236k ▲20.8%
Equity rises from €195k to €236k.
2020
24-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 146 days late
2019
31-12
Financial
Highest result since 2018net €52k ▲323%
Operating result €79k, net result €52k, both a record.
31-12
Financial
Equity above €150kEq €195k ▲36.7%
2 profitable years in a row build equity to €195k.
31-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 153 days late
Show earlier events
15-02
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 929 days late
13-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 562 days late
05-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 189 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Charleroi · 2 establishment units since 2012
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 de Follonica 136061 CharleroiGround area
336 m²
Building footprint
152 m²
Volume, LiDAR
493 m³
2 parcels, Wallonia · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Rue de Follonica 13, 6061 Charleroi
since 20122.215.009.450
Centre Médical Sainte-Anne
since 20242.359.727.809
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52049B1095/00N003 | Wallonia | 231 m² | 1 · 64 m² | 9.4 m · 3 fl. |
| 52363E0514/00N003 | Wallonia | 106 m² | 1 · 88 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
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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DOKTER LINDSEY CAMPANA
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Dr. Louise Erens, huisarts
BE 0772.909.955
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Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 5,298 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-12-2012
Fiscal year end30-09
Activities, NACEBEL 2025
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.