Lorraine Umans Kinesitherapie
ActiveSummary
The computed 12-month bankruptcy probability of Lorraine Umans Kinesitherapie is 2.4% (moderate). The 2025 annual accounts show equity of €25k and a net result of €17k. Equity remains stable across the filed fiscal years (±1.4% per year). 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▲+16
Solvency62▼-38
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.45 against 5.97 in 2024; short-term debt: 62.4% and cash: 9.6% of total assets), and 63.1% of the assets are financed with debt.
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
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
36.9%
Return on assets
25%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
13 d early
2022
27 d early
← 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, micro schema
Equity
€25k▼ 48.3%
2024 · €48k
2022: €36k
2023: €41k
2024: €48k
2022 → 2025
Total assets
€67k▲ 19.1%
2024 · €56k
2022: €45k
2023: €49k
2024: €56k
2022 → 2025
Net result
€17k▲ 141%
2024 · €7k
2022: €32k
2023: €5k
2024: €7k
2022 → 2025
Working capital
€19k▼ 54.2%
2024 · €42k
2022: €31k
2023: €39k
2024: €42k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€36k-€41k▲ 13.5%€48k▲ 16.9%€25k▼ 48.3%
Operating result€41k-€7k▼ 81.9%€8k▲ 3.7%€21k▲ 176%
Net result€32k-€5k▼ 84.8%€7k▲ 42.0%€17k▲ 141%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 176% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67k
Fixed assets
€6k ▼ 3.2%
Current assets
€61k ▲ 22.0%
Equity and liabilities €67k
Equity
€25k ▼ 48.3%
Debt
€42k ▲ 406%
Debt's share of the balance-sheet total rises from 14.8% to 63.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€22k▲
2024 · €9k
Cash flow
€18k▲
2024 · €8k
Current ratio
1.45▼
2024 · 5.97
Debt to equity
1.71▲
2024 · 0.17
ROE
67.6%▲
2024 · 14.5%
ROA
25.0%▲
2024 · 12.3%
Interest coverage
13.23▼
2024 · 105.86
Debt ≤ 1 year
€42k▲
2024 · €8k
Income taxes
€6k▲
2024 · €3k
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€56k€67k▲
Fixed assets21/28€6k€6k▼
Tangible fixed assets22/27€1k€1k▼
Furniture and vehicles24€1k€1k▼
Financial fixed assets28€5k€5k=
Current assets29/58€50k€61k▲
Amounts receivable after more than one year29€15k€15k=
Other amounts receivable291€15k€15k=
Amounts receivable within one year40/41€33k€39k▲
Trade receivables40€7k€7k▼
Other amounts receivable41€25k€32k▲
Cash at bank and in hand54/58€2k€6k▲
Deferred charges and accrued income490/1€281€281=
Equity and liabilities
Total equity and liabilities10/49€56k€67k▲
Equity10/15€48k€25k▼
Contributions10/11€4k€4k=
Profit (loss) carried forward14€44k€21k▼
Amounts payable17/49€8k€42k▲
Amounts payable within one year42/48€8k€42k▲
Trade debts44€4k€1k▼
Suppliers440/4€4k€1k▼
Taxes, remuneration and social security45€3k€602▼
Taxes450/3€3k€602▼
Other amounts payable47/48€2k€40k▲
Accrued charges and deferred income492/3-€463
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€484€627▲
Gross operating margin9900€9k€23k▲
Operating profit (loss)9901€8k€21k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€84€2k▲
Recurring financial charges65€84€2k▲
Profit (loss) for the period before taxes9903€10k€22k▲
Income taxes67/77€3k€6k▲
Profit (loss) for the period9904€7k€17k▲
Profit (loss) for the period to be appropriated9905€7k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€44k€61k▲
Profit (loss) brought forward from the previous period14P€37k€44k▲
Profit to be distributed694/7-€40k
Return on contributions (dividend)694-€40k
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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €5k ▼84.8%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
03-04
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
4 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, Nijlen · 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.
Sportstraat 112560 NijlenGround area
2,830 m²
Building footprint
470 m²
Volume, LiDAR
2,132 m³
2 parcels, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lorraine Umans Kinesitherapie
since 20212.319.064.815
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13005B0149/00B000 | Flanders | 1,872 m² | 1 · 235 m² | 9.4 m · 2 fl. |
| 12026D0056/00L004 | Flanders | 958 m² | 1 · 235 m² | 6.9 m · 1 fl. |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 547 EUR awarded · 547 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 82 EUR | 289 EUR |
| 2024 | 1 | 207 EUR | 0 EUR |
| 2022 | 1 | 258 EUR | 258 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-06-2021
Fiscal year end30-09
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.