N.V. Derm

Active

Private limited companyfounded 20223 yrs activeRue de Limage 33, 6150 Anderlues, BelgiumKBO/BCE: BE 0792.239.976

Summary

N.V. Derm has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €87,001 and a net result of €62,423. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 35% of 738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch Report Compare

N.V. DermActiveChecked score 93/100

Risk analysis Report Compare

Activity

Specialist medical practice

NACE 86220

1 site

Size

€232,580total assets 2025

Equity: €87,001
Profit: €62,423

Financial health

93 Excellent Checked score 2025

Bankruptcy chance 12 m: < 0.1%

Structure

Accounts 63 d early0 of 1 deed read

Why 93+ Sector Human health activities (NACE 86)+ Liquidity: current ratio 1.70, cash €56,586+ Figures for FY 2025 (filed 29-05-2026)+ Size: total assets €232,580Show the evidence

Checked score

Score 2025

93 / 100

Excellent

Probability in this band: under 0.55%

Better than 42% of its sector peers (NACE 86, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 62-26

equity 37.4% of total assets

Liquidity 58-25

short-term debt 45.9% · cash 24.3%

Profitability 100=

return on assets 26.8%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (23,748 companies)

Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● 0.0% vs 11-2024 01-2025: < 0.1%● 0.0% vs 12-2024 02-2025: < 0.1%● 0.0% vs 01-2025 03-2025: 0.1%▲ +8.7% vs 02-2025 04-2025: 0.1%▲ +6.0% vs 03-2025 05-2025: 0.1%▼ -1.9% vs 04-2025 06-2025: 0.1%▲ +3.8% vs 05-2025highest value 07-2025: < 0.1%▼ -35.2% vs 06-2025 08-2025: < 0.1%● 0.0% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%● 0.0% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%● 0.0% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%▲ +5.7% vs 02-2026 04-2026: < 0.1%▲ +2.7% vs 03-2026 05-2026: < 0.1%● 0.0% vs 04-2026 06-2026: < 0.1%▼ -15.8% vs 05-2026 07-2026: < 0.1%▼ -3.1% vs 06-2026lowest value 08-2026: < 0.1%● 0.0% vs 07-2026lowest value 09-2026: < 0.1%● 0.0% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value

Sector Human health activities (NACE 86) lowers the probability
Liquidity: current ratio 1.70, cash €56,586 lowers the probability
Figures for FY 2025 (filed 29-05-2026) lowers the probability
Size: total assets €232,580 lowers the probability for this profile

Credit up to €8,000 at 30 days acceptable

Liquidity ample (current ratio 1.7 against 3.58 in 2024; short-term debt: 45.9% and cash: 24.3% of total assets), but 62.6% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 86, micro). Better than this share of them on solvency 31%, liquidity 34%, profitability 80%, growth against the median 21%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

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

−lowers risk○neutral

Sector Human health activities (NACE 86)

In the bankruptcy model this factor lowers the probability.

KBO

Liquidity: current ratio 1.70, cash €56,586

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Figures for FY 2025 (filed 29-05-2026)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Size: total assets €232,580

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-05-2026, 63 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

63 d early

2024

41 d early

2023

33 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 46 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 20 June (3 of the last 3 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

03-10-2026 today31-12-2026 close31-07-2027 deadline

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