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Generated 13-08-2026
Active BE 1006.610.471Private limited company

Lisa Vanderschelden

Gontrode Heirweg 161 ·9090 Merelbeke-Melle, Belgium· 2 yrs active
Sector: Activiteiten op het gebied van kinesitherapie (86951)
Conclusion Checked

The computed 12-month bankruptcy probability of Lisa Vanderschelden is 0.2% (very low). The 2025 annual accounts show equity of €13k and a net result of €12k. Its solvency ranks better than 42% of 2210 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €13k
Net result €12k
Better than sector 42%
Active 2 yrs
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health81Profitability100Solvency70Growth-Stability67
80 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 81
Profitability 100
Solvency 70
Growth -
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free
0.2% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
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.
Health barometer FY 2025 · computed
81 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 16-10-2025 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 86, Human health · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 45.5% 58.1%
better than 42% of 2210 sector peers
Net result €12k €60k
better than 15% of 2208 sector peers
Equity €13k €74k
better than 24% of 2210 sector peers
Gross operating margin €25k €96k
better than 13% of 2210 sector peers
Total assets €30k €186k
better than 6% of 2210 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2025
Depositmicro
Revenue-
EBITDA€24k
Net profit€12k
Cash flow€19k
Staff costs-
Income taxes€4k
Dividends-
Total assets€30k
Equity€13k
Debt€16k
of which ≤ 1y€16k
of which > 1y-
Working capital€1k
Employees (FTE)-
Ratios (computed)
2025
Current ratio1.07
Quick ratio1.07
Working capital ratio3.6%
Solvency45.5%
Debt / equity1.20
Long-term debt ratio-
Interest coverage146.15
Gross margin-
Net margin-
ROA40.4%
ROE88.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€30k
Fixed assets 21/28€12k
Tangible fixed assets 22/27€12k
Current assets 29/58€17k
Cash & bank 54/58€17k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€30k
Equity 10/15€13k
Contributions / capital 10/11€2k
Reserves 13€12k
Amounts payable 17/49€16k
Amounts payable within one year 42/48€16k
Trade debts payable within one year 44€2k
Income statement
Gross operating margin 9900€25k
Operating result 9901€16k
Financial charges 65€163
Result before taxes 9903€16k
Income taxes 67/77€4k
Net result for the period 9904€12k
Result to be appropriated 9905€12k
Ratios computed by Checked.
Legal Structure
NACE primary Activiteiten op het gebied van kinesitherapie(86951)
Legal form Private limited company(610)
Incorporation29-02-2024
StatusActive
Postal code9090
Establishment units 1 location
Lisa Vanderschelden
Hospitaalstraat 1, 9000 GentOverige detailhandel in voedingsmiddelen in gespecialiseerde winkels, n.e.g.
since 20242.356.638.457
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44040B0326/00F002 Flanders 591 m² 1 · 80 m² 8.6 m · 2 fl.
44806F0674/00T002
ProtectedMonument · Townscape or village viewBlindenhuis Van Caeneghemgesticht en Pharmacodynamisch Instituut met omgevingSource ↗
 Flanders 97 m² 1 · 97 m² 16.6 m · 5 fl.
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
27-11-2025
State Gazette act Registered-office change
v3.2
16-10-2025
NBB filing Annual accounts filed
fiscal year 2025 · micro
2024
04-03-2024
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 2 acts
Address history · 1
27-11-2025
v3.2
All acts · 2 updated 8 months ago
2025
27-11-2025 Registered office moved from Gent to Melle Registered-office change
  • Notelaarstraat 32, 9000 Gent → Heirweg 161, 9090 Melle
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Melle",
        "region": null,
        "street": "Heirweg",
        "country": "BE",
        "postcode": "9090",
        "box_number": null,
        "street_number": "161"
      },
      "old_address": {
        "city": "Gent",
        "region": null,
        "street": "Notelaarstraat",
        "country": "BE",
        "postcode": "9000",
        "box_number": null,
        "street_number": "32"
      },
      "effective_date": "2025-10-03",
      "evidence_quote": "Het bestuur beslist dat de zetel van de vennootschap zal worden verplaatst van Notelaarstraat 32, 9000 Gent naar Gontrode Heirweg 161, 9090 Melle, en dit vanaf 03/10/2025."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "1006.610.471",
    "name_full": "LISA VANDERSCHELDEN",
    "legal_form": "BV"
  }
}
2024
04-03-2024 Incorporation of a new BV Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "9000 Gent, Notelaarstraat 32",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1996-05-13",
        "name": "Lisa Vanderschelden",
        "niss": null,
        "address": "Gent, Notelaarstraat 32"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 1500,
      "holder_person_name": "Lisa Vanderschelden",
      "is_subscriber_only": false,
      "n_shares_subscribed": 100,
      "amount_subscribed_eur": 1500,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 1500,
  "subject_company": {
    "kbo": "1006.610.471",
    "name_full": "Lisa Vanderschelden",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2024-02-28",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Ambulante revalidatieactiviteiten86905Activiteiten op het gebied van kinesitherapie86951Overige detailhandel in voedingsmiddelen, neg47279Overige detailhandel in voedingsmiddelen in gespecialiseerde winkels, n.e.g.47299Overige menselijke gezondheidszorg, n.e.g.86909Activiteiten op het gebied van voeding86995Overige sportactiviteiten, n.e.g.93199Overige sportactiviteiten, neg93199
Primary activity highlighted.
Names & trade names
Legal nameNL Lisa Vanderschelden
Registered office
Gontrode Heirweg 161
9090 Merelbeke-Melle, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Comparable size · 932 of 12,677 companies in this sector with filed accounts
HEALTH BALANCE BE 0765.192.616 · Braine-l'Alleud
Kinesitherapie Kaat Feys BE 0760.862.951 · Ieper
Het KinePlein BE 0792.585.416 · Pelt
ADRIAENSEN VINCENT BE 0766.993.648 · Bekkevoort
AB CONFORT KINE BE 0765.568.342 · Stavelot
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative