INGE'S ZORGTEAM

Active

Private limited companyfounded 20215 yrs activeWijnstraat 44, 9600 Ronse, BelgiumKBO/BCE: BE 0774.481.949

Summary

INGE'S ZORGTEAM has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €107k and a net result of €40k. Equity is growing by ~46.8% per year across the filed fiscal years. Its solvency ranks better than 23% of 19908 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).

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Checked score

Score 2024

76 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability85▲+7

Solvency59▲+12

Growth78▲+26

Track record94

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €8k at 30 days acceptable

Liquidity ample (current ratio 1.58 against 0.89 in 2023; short-term debt: 14.2% and cash: 9.7% of total assets), but 66.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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 →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 19908 sector peers (2024).

NBB · sector comparison

Position among 19908 sector peers

Solvency

better than 23%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-07-2025, 28 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

not confirmed

2024

28 d early

2023

1 d early

2022

5 d early

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€107k▲ 60.3%

2023 · €67k

2022: €45k 2023: €67k

2022 → 2024

Total assets

€318k▲ 5.3%

2023 · €302k

2022: €298k 2023: €302k

2022 → 2024

Net result

€40k▲ 81.0%

2023 · €22k

2022: €40k 2023: €22k

2022 → 2024

Working capital

€26k

2023 · €-5k

2022: €-17k 2023: €-5k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€45k-€67k▲ 50.0%€107k▲ 60.3%

Operating result€60k-€38k▼ 38.0%€75k▲ 98.8%

Net result€40k-€22k▼ 44.4%€40k▲ 81.0%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2024; 2024 is 99% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €318k

77.6%

22.4%

Fixed assets €247k ▼ 5.8%

Current assets €71k ▲ 78.5%

Equity and liabilities €318k

33.7%

66.3%

Equity €107k ▲ 60.3%

Debt €211k ▼ 10.3%

Debt's share of the balance-sheet total falls from 77.9% to 66.3%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€92k▲

2023 · €54k

Cash flow

€58k▲

2023 · €38k

Current ratio

1.58▲

2023 · 0.89

Debt to equity

1.97▼

2023 · 3.52

ROE

37.6%▲

2023 · 33.3%

ROA

12.7%▲

2023 · 7.4%

Interest coverage

29.51▲

2023 · 10.53

Debt ≤ 1 year

€45k▲

2023 · €45k

Debt > 1 year

€166k▼

2023 · €190k

Income taxes

€17k▲

2023 · €10k

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 · 2024 against 2023 · 45 lines

Balance sheet Code20232024

Assets

Total assets20/58€302k€318k▲

Fixed assets21/28€262k€247k▼

Tangible fixed assets22/27€262k€247k▼

Land and buildings22€262k€245k▼

Furniture and vehicles24€0€1k▲

Current assets29/58€40k€71k▲

Amounts receivable within one year40/41€11k€28k▲

Trade receivables40€5k€16k▲

Other amounts receivable41€6k€12k▲

Cash at bank and in hand54/58€13k€31k▲

Deferred charges and accrued income490/1€16k€13k▼

Equity and liabilities

Total equity and liabilities10/49€302k€318k▲

Equity10/15€67k€107k▲

Contributions10/11€5k€5k=

Reserves13€62k€103k▲

Distributable reserves133€62k€103k▲

Amounts payable17/49€235k€211k▼

Amounts payable after more than one year17€190k€166k▼

Financial debts170/4€188k€164k▼

Other amounts payable178/9€2k€2k=

Amounts payable within one year42/48€45k€45k▲

Current portion of amounts payable after more than one year42€25k€24k▼

Trade debts44€10k€4k▼

Suppliers440/4€10k€4k▼

Advances received on contracts in progress46-€13k

Taxes, remuneration and social security45€10k€4k▼

Taxes450/3€6k€4k▼

Remuneration and social security454/9€4k€0▼

Accrued charges and deferred income492/3€520€0▼

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€17k▲

Other operating charges640/8€3k€3k▼

Gross operating margin9900€57k€94k▲

Operating profit (loss)9901€38k€75k▲

Financial income75/76B€118€438▲

Recurring financial income75€118€438▲

Financial charges65/66B€5k€18k▲

Recurring financial charges65€5k€3k▼

Non-recurring financial charges66B-€15k

Profit (loss) for the period before taxes9903€33k€57k▲

Income taxes67/77€10k€17k▲

Profit (loss) for the period9904€22k€40k▲

Profit (loss) for the period to be appropriated9905€22k€40k▲

Appropriation of the result

Profit (loss) to be appropriated9906€22k€40k▲

Transfer to equity691/2€22k€40k▲

To other reserves6921€22k€40k▲

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 3Filings 3

2025

03-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2022net €40k ▲81%

Operating result €75k, net result €40k, both a record.

31-12

Financial Equity above €100kEq €107k ▲60.3%

3 profitable years in a row build equity to €107k.

30-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Weakest financial yearnet €22k ▼44.4%

Net result drops to €22k, the lowest in the series; recovery starts the following year.

26-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

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, Ronse · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Wijnstraat 449600 Ronse

Ground area

556 m²

Building footprint

417 m²

Volume, LiDAR

3,102 m³

Parcel 45423E0145/00D000, Flanders · tallest building 13.6 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

INGE'S ZORGTEAM

Wijnstraat 44, 9600 RonseHuman health activities

since 20212.321.833.471

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
45423E0145/00D000 ProtectedMonumentDirecteurswoning DopchieSource ↗	Flanders	556 m²	1 · 417 m²	13.6 m · 3 fl.

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.

1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).

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BERTRAND CHARLENE

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STRAVANA

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Zuienkerke · Eq €106,964

Of 5,984 companies in sector 86940 we hold annual accounts for 1,808. 1,528 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

Founded23-09-2021

Fiscal year end31-12

Activities, NACEBEL 2025

86940Nursing and midwifery

96220Beauty care and other beauty treatments

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.