Huisarts Elisabeth Persoons
ActiveThe computed 12-month bankruptcy probability of Huisarts Elisabeth Persoons is 2.4% (moderate). The 2025 annual accounts show equity of €8k and a net result of €27k. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+33
Solvency38▲+11
Growth32=
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
13.3%
Return on assets
44.1%
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 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
28 d late
2022
30 d late
2021
22 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k▲ 191%
2024 · €3k
2021: €43k
2022: €83k
2023: €135k
2024: €3k
2021 → 2025
Total assets
€62k▼ 57.9%
2024 · €146k
2021: €106k
2022: €137k
2023: €178k
2024: €146k
2021 → 2025
Net result
€27k
2024 · €-2k
2021: €38k
2022: €40k
2023: €52k
2024: €-2k
2021 → 2025
Working capital
€5k
2024 · €-2k
2021: €44k
2022: €78k
2023: €129k
2024: €-2k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€83k▲ 92.9%€135k▲ 62.1%€3k▼ 97.9%€8k▲ 191%
Operating result€49k-€51k▲ 4.4%€65k▲ 27.8%€-4k€35k
Net result€38k-€40k▲ 5.2%€52k▲ 28.9%€-2k€27k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €35k after a loss of €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62k
Fixed assets
€3k▼ 41.1%
Current assets
€59k▼ 58.4%
Equity and liabilities €62k
Equity
€8k▲ 191%
Debt
€53k▼ 62.7%
The debt ratio falls from 98.1% to 86.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€37k▲
2024 · €11k
Cash flow
€30k▲
2024 · €12k
Solvency
13.3%▲
2024 · 1.9%
Current ratio
1.10▲
2024 · 0.99
Quick ratio
1.10▲
2024 · 0.99
Debt / equity
6.54▼
2024 · 51.16
ROE
332.7%▲
2024 · -78.4%
ROA
44.1%▲
2024 · -1.5%
Interest coverage
212.83▲
2024 · 52.53
Debt
€53k▼
2024 · €143k
Debt ≤ 1 year
€53k▼
2024 · €143k
Income taxes
€8k▲
2024 · €128
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€146k€62k▼
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€5k€3k▼
Furniture and vehicles24€5k€3k▼
Current assets29/58€142k€59k▼
Amounts receivable within one year40/41€3k€3k▲
Trade receivables40€0-
Other amounts receivable41€3k€3k▲
Cash at bank and in hand54/58€136k€52k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€146k€62k▼
Equity10/15€3k€8k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€-2k€3k▲
Amounts payable17/49€143k€53k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€143k€53k▼
Current portion of amounts payable after more than one year42€9k€0▼
Trade debts44€124€4k▲
Suppliers440/4€124€4k▲
Taxes, remuneration and social security45€14k€8k▼
Taxes450/3€14k€8k▼
Other amounts payable47/48€120k€41k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€2k▼
Other operating charges640/8€387€400▲
Gross operating margin9900€11k€38k▲
Operating profit (loss)9901€-4k€35k▲
Financial income75/76B€2k€65▼
Recurring financial income75€2k€65▼
Financial charges65/66B€203€175▼
Recurring financial charges65€203€175▼
Profit (loss) for the period before taxes9903€-2k€35k▲
Income taxes67/77€128€8k▲
Profit (loss) for the period9904€-2k€27k▲
Profit (loss) for the period to be appropriated9905€-2k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€127k€25k▼
Profit (loss) brought forward from the previous period14P€130k€-2k▼
Profit to be distributed694/7€130k€22k▼
Return on contributions (dividend)694€130k€22k▼
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €-2k ▼104%
Net result drops to €-2k, 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
Highest result since 2021net €52k ▲28.9%
Operating result €65k, net result €52k, both a record.
31-12
Financial
Equity above €100kEq €135k ▲62.1%
3 profitable years in a row build equity to €135k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 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, Leuven · 1 establishment unit since 2021
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.
Désiré Mellaertsstraat 563010 LeuvenGround area
1,163 m²
Building footprint
266 m²
Parcel 24483E0083/00X004, Flanders. Linked by address, not a title deed.
1 establishment unit
Huisarts Elisabeth Persoons
since 20212.313.392.689
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24483E0083/00X004 | Flanders | 1,163 m² | 1 · 266 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 148 EUR awarded · 148 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 148 EUR | 148 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-2021
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.