Checked.be
Active
BE 0798.914.170Private limited company
HANDIG
Generaal Lemanstraat 91 ·1040 Etterbeek, Belgium· 3 yrs active
Sector: Specialist medical practice
(86220)
Conclusion
HANDIG has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €265k and a net result of €135k. Equity is growing by ~94.4% per year across the filed fiscal years. Its solvency ranks better than 64% of 2224 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Based on the State Gazette, CBE and 3 annual accounts.
Key figures
| Equity | €265k |
| Net result | €135k |
| Better than sector | 64% |
| Active | 3 yrs |
Financial profile
94
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
100
Profitability
100
Solvency
100
Growth
78
Stability
94
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
100
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€25k
estimate, not credit advice
Score history
85
2023
93
2024
100
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 3.84 (≥ 1.5)
+10
Quick ratio
Quick ratio 3.84 (≥ 1.0)
+5
Leverage
Debt/equity 0.35 (< 1.0)
+10
Profitability
ROE 51% (≥ 10%)
+10
Interest coverage
Interest coverage 1063.7× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 21-07-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~94.4%/year over 3 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 86, Human health activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 74.0% | 57.9% | |
| Net result | €135k | €59k | |
| Equity | €265k | €74k | |
| Gross operating margin | €174k | €95k | |
| Total assets | €358k | €187k |
€173k
-
23-25
€135k
+24.2%
23-25
€136k
-
23-25
€358k
+101.5%
23-25
€265k
+104.5%
23-25
€264k
+103.8%
23-25
€41k
-14.9%
23-25
€93k
+93.4%
23-25
€93k
+93.4%
23-25
3.84
+3.9%
23-25
3.84
+3.9%
23-25
74.0%
+1.5%
23-25
0.35
-5.4%
23-25
51.1%
-39.3%
23-25
37.8%
-38.4%
23-25
1063.71
-
23-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema |
| Revenue | - | - | - |
| EBITDA | €173k | - | - |
| Net profit | €135k | €109k | €18k |
| Cash flow | €136k | - | - |
| Staff costs | - | - | - |
| Income taxes | €41k | €48k | €11k |
| Dividends | - | - | - |
| Total assets | €358k | €178k | €34k |
| Equity | €265k | €130k | €20k |
| Debt | €93k | €48k | €13k |
| of which ≤ 1y | €93k | €48k | €13k |
| of which > 1y | - | - | - |
| Working capital | €264k | €130k | €20k |
| Employees (FTE) | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | |
|---|---|---|---|
| Current ratio | 3.84 | 3.70 | 2.52 |
| Quick ratio | 3.84 | 3.70 | 2.52 |
| Working capital ratio | 73.8% | 72.9% | 60.4% |
| Solvency | 74.0% | 72.9% | 60.4% |
| Debt / equity | 0.35 | 0.37 | 0.66 |
| Long-term debt ratio | - | - | - |
| Interest coverage | 1063.71 | - | - |
| Gross margin | - | - | - |
| Net margin | - | - | - |
| ROA | 37.8% | 61.4% | 53.0% |
| ROE | 51.1% | 84.2% | 87.8% |
| EBITDA margin | - | - | - |
| Days sales outstanding | - | - | - |
| Days payable outstanding | - | - | - |
| Inventory turnover | - | - | - |
| Days inventory (DSI) | - | - | - |
Balance-sheet composition 2025
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet, Assets | ||||
| TOTAL ASSETS | 20/58 | €358k | €178k | €34k |
| Fixed assets | 21/28 | €958 | - | - |
| Tangible fixed assets | 22/27 | €958 | - | - |
| Current assets | 29/58 | €357k | €178k | €34k |
| Amounts receivable within one year | 40/41 | €61k | €14k | €4k |
| Cash & bank | 54/58 | €230k | €99k | €30k |
| Balance sheet, Equity & liabilities | ||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €358k | €178k | €34k |
| Equity | 10/15 | €265k | €130k | €20k |
| Contributions / capital | 10/11 | €3k | €3k | €3k |
| Reserves | 13 | €262k | €127k | €18k |
| Amounts payable | 17/49 | €93k | €48k | €13k |
| Amounts payable within one year | 42/48 | €93k | €48k | €13k |
| Trade debts payable within one year | 44 | €4k | - | €3k |
| Income statement | ||||
| Gross operating margin | 9900 | €174k | €157k | €29k |
| Operating result | 9901 | €173k | €157k | €29k |
| Financial income | 75 | €3k | €720 | - |
| Financial charges | 65 | €163 | €269 | €0 |
| Result before taxes | 9903 | €176k | €157k | €29k |
| Income taxes | 67/77 | €41k | €48k | €11k |
| Net result for the period | 9904 | €135k | €109k | €18k |
| Result to be appropriated | 9905 | €135k | €109k | €18k |
Legal Structure
| NACE primary | Specialist medical practice(86220) |
| Legal form | Private limited company(610) |
| Incorporation | 28-02-2023 |
| Status | Active |
| Postal code | 1040 |
Establishment units
HANDIG BV
since 20232.343.016.588
Real-estate footprint
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21005A0314/00K028 | Brussels | 139 m² | 1 · 90 m² | 16.3 m · 4 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €135k ▲24.2%
Operating result €173k, net result €135k, both a record.
31-12
Financial
Equity above €200kEq €265k ▲105%
3 profitable years in a row build equity to €265k.
16-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 47 days late
2024
31-12
Financial
Equity above €100kEq €130k ▲533%
2 profitable years in a row build equity to €130k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
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.
Credit advice
Company registry (CBE)
Activities
Specialist medical practice86220
Names & trade names
| Legal nameNL | HANDIG |
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