MARIE SOPHIE DETERME
ActiveMARIE SOPHIE DETERME has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €364k and a net result of €139k. Equity is growing by ~33.4% per year across the filed fiscal years. Its solvency ranks better than 44% of 19905 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability98▲+13
Solvency86▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days only on tighter terms
Liquidity ample (current ratio 3.15 against 82.24 in 2023; short-term debt: 26.3% and cash: 71.6% of total assets), and 38.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · 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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
61.2%
Return on assets
23.3%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
92 d late
2023
77 d late
2022
23 d late
2021
72 d late
2020
88 d late
2019
116 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€364k▲ 7.2%
2023 · €340k
2018: €40k
2019: €87k
2020: €108k
2021: €179k
2022: €271k
2023: €340k
2018 → 2024
Total assets
€596k▲ 13.4%
2023 · €525k
2018: €424k
2019: €436k
2020: €418k
2021: €441k
2022: €504k
2023: €525k
2018 → 2024
Net result
€139k▲ 101%
2023 · €69k
2018: €34k
2019: €47k
2020: €21k
2021: €71k
2022: €79k
2023: €69k
2018 → 2024
Working capital
€336k▼ 20.0%
2023 · €420k
2018: €38k
2019: €95k
2020: €133k
2021: €217k
2022: €253k
2023: €420k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€108k-€179k▲ 66.2%€271k▲ 51.1%€340k▲ 25.4%€364k▲ 7.2%
Operating result€31k-€94k▲ 206%€105k▲ 11.7%€89k▼ 15.4%€183k▲ 106%
Net result€21k-€71k▲ 237%€79k▲ 11.3%€69k▼ 13.4%€139k▲ 101%
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 106% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €596k
Fixed assets
€103k▲ 3.3%
Current assets
€493k▲ 15.8%
Equity and liabilities €596k
Equity
€364k▲ 7.2%
Debt
€231k▲ 24.8%
The debt ratio rises from 35.3% to 38.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€214k▲
2023 · €152k
Cash flow
€170k▲
2023 · €132k
Solvency
61.2%▼
2023 · 64.7%
Current ratio
3.15▼
2023 · 82.24
Quick ratio
3.15▼
2023 · 82.24
Debt / equity
0.63▲
2023 · 0.55
ROE
38.0%▲
2023 · 20.2%
ROA
23.3%▲
2023 · 13.1%
Interest coverage
47.37▲
2023 · 31.53
Debt
€231k▲
2023 · €185k
Debt ≤ 1 year
€157k▲
2023 · €5k
Debt > 1 year
€75k▼
2023 · €180k
Income taxes
€44k▲
2023 · €18k
Staff costs
€10k▼
2023 · €14k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€525k€596k▲
Fixed assets21/28€99k€103k▲
Intangible fixed assets21€21k-
Tangible fixed assets22/27€78k€103k▲
Plant, machinery and equipment23€603€33k▲
Furniture and vehicles24-€505
Other tangible fixed assets26€78k€69k▼
Current assets29/58€426k€493k▲
Amounts receivable within one year40/41€85k€65k▼
Other amounts receivable41€85k€65k▼
Cash at bank and in hand54/58€338k€427k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€525k€596k▲
Equity10/15€340k€364k▲
Contributions10/11€19k€19k=
Reserves13€321k€346k▲
Non-distributable reserves130/1€640€640=
Reserves not available under the articles1311€640€640=
Distributable reserves133€321k€345k▲
Amounts payable17/49€185k€231k▲
Amounts payable after more than one year17€180k€75k▼
Financial debts170/4€180k€75k▼
Amounts payable within one year42/48€5k€157k▲
Current portion of amounts payable after more than one year42-€52k
Trade debts44€5k€59k▲
Suppliers440/4€5k€59k▲
Taxes, remuneration and social security45€205€45k▲
Taxes450/3-€45k
Remuneration and social security454/9€205-
Income statement
Code20232024
Remuneration, social security and pensions62€14k€10k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€63k€31k▼
Other operating charges640/8€2k€791▼
Gross operating margin9900€167k€225k▲
Operating profit (loss)9901€89k€183k▲
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€86k€183k▲
Income taxes67/77€18k€44k▲
Profit (loss) for the period9904€69k€139k▲
Profit (loss) for the period to be appropriated9905€69k€139k▲
Appropriation of the result
Profit (loss) to be appropriated9906€69k€139k▲
Transfer from equity791/2-€114k
Transfer to equity691/2€69k€139k▲
To other reserves6921€69k€139k▲
Profit to be distributed694/7-€114k
Return on contributions (dividend)694-€114k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
31-12
Financial
Highest result since 2018net €139k ▲101%
Operating result €183k, net result €139k, both a record.
16-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 77 days late
2023
31-12
Financial
Liquidity times 21current ratio 82.24
Current ratio from 3.86 to 82.24; short-term debt falls from €89k to €5k.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial
Equity above €200kEq €271k ▲51.1%
5 profitable years in a row build equity to €271k.
11-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 72 days late
2021
31-12
Financial
Equity above €150kEq €179k ▲66.2%
4 profitable years in a row build equity to €179k.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
31-12
Financial
Weakest financial yearnet €21k ▼54.4%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €108k ▲24.5%
3 profitable years in a row build equity to €108k.
24-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 116 days late
2019
04-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 65 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Gembloux · 1 establishment unit since 2017
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.
Rue Entrée-Jacques 155030 GemblouxGround area
607 m²
Building footprint
132 m²
Parcel 92255C0043/00P003, Wallonia. Linked by address, not a title deed.
1 establishment unit
MARIE SOPHIE DETERME
since 20172.295.654.161
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92255C0043/00P003 | Wallonia | 607 m² | 1 · 132 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.
Similar companies · same sector, comparable size
THEO DELBECQUE
BE 1004.644.539
Spiere-Helkijn · Eq €364k
ALLFIX
BE 0473.714.148
Lebbeke · Eq €364k
DENTAL CLINIC Wezembeek
BE 0766.264.960
Wezembeek-Oppem · Eq €364k
ORTHOCA
BE 0741.414.154
Oudergem · Eq €365k
FRANK RONVAL
BE 0479.440.019
Linter · Eq €364k
Of 6,938 companies in sector 86230 we hold annual accounts for 4,288. 3,620 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-06-2017
Fiscal year end31-12
Activities, NACEBEL
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.