PATRICK CUIJVERS
ActiveSummary
PATRICK CUIJVERS has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32,302 and a net result of -€10,572. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 29% of 16765 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability23▼-47
Solvency61▼-4
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 7.28 against 11.64 in 2024; short-term debt: 9.3% and cash: 45.9% of total assets), but 64.1% of the assets are financed with debt.
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Signals
Four 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
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
35.9%
Return on assets
-11.8%
Age of the figures
9 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-06-2026, 32 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
32 d early
2024
32 d early
2023
29 d early
2022
28 d early
2021
37 d early
2020
32 d early
2019
31 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 32 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)
neutral · 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 29 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€32,302▼ 24.7%
2024 · €42,874
Total assets
€89,882▼ 16.9%
2024 · €108,101
Net result
-€10,572
2024 · €2,746
Working capital
€52,344▼ 15.6%
2024 · €62,009
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€8,228▼ 15.4%-€8,758€5,606€8,119▲ 44.8%-€7,455
Net result€3,919below the sector's middle half▼ 26.7%-€10,906below the sector's middle half€2,560below the sector's middle half€2,746below the sector's middle half▲ 7.3%-€10,572below the sector's middle half
Equity€48,473below the sector's middle half▲ 5.0%€37,567below the sector's middle half▼ 22.5%€40,128below the sector's middle half▲ 6.8%€42,874below the sector's middle half▲ 6.8%€32,302below the sector's middle half▼ 24.7%
Total assets€136,216below the sector's middle half▲ 8.7%€127,271below the sector's middle half▼ 6.6%€106,065below the sector's middle half▼ 16.7%€108,101below the sector's middle half▲ 1.9%€89,882below the sector's middle half▼ 16.9%
Debt€87,743▲ 10.8%€89,703▲ 2.2%€65,937▼ 26.5%€65,228▼ 1.1%€57,581▼ 11.7%
Working capital€17,394below the sector's middle half▲ 5,265%€21,115within the sector's middle half▲ 21.4%€45,639within the sector's middle half▲ 116%€62,009within the sector's middle half▲ 35.9%€52,344within the sector's middle half▼ 15.6%
Solvency35.6%below the sector's middle half▼ 1.2pp29.5%below the sector's middle half▼ 6.1pp37.8%within the sector's middle half▲ 8.3pp39.7%within the sector's middle half▲ 1.8pp35.9%within the sector's middle half▼ 3.7pp
Current ratio1.49within the sector's middle half▲ 0.481.57within the sector's middle half▲ 0.088.01above the sector's middle half▲ 6.4311.64above the sector's middle half▲ 3.637.28above the sector's middle half▼ 4.36
Return on assets (ROA)2.9%below the sector's middle half▼ 1.4pp-8.6%below the sector's middle half▼ 11.4pp2.4%below the sector's middle half▲ 11.0pp2.5%below the sector's middle half▲ 0.1pp-11.8%below the sector's middle half▼ 14.3pp
above
within
below
the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €7,455 after €8,119 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €89,882
Fixed assets
€29,205 ▼ 27.5%
Current assets
€60,678 ▼ 10.6%
Equity and liabilities €89,882
Equity
€32,302 ▼ 24.7%
Debt
€57,581 ▼ 11.7%
Debt's share of the balance-sheet total rises from 60.3% to 64.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€6,685▼
2024 · €22,766
Cash flow
€3,568▼
2024 · €17,393
Debt to equity
1.78▲
2024 · 1.52
ROE
-32.7%▼
2024 · 6.4%
Interest coverage
2.31▼
2024 · 5.82
Debt ≤ 1 year
€8,334▲
2024 · €5,827
Debt > 1 year
€40,000▼
2024 · €48,000
Income taxes
€228▼
2024 · €1,459
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,592 companies that looked in July 2024 the way this one looks now, 3.0% went bankrupt within 24 months and 87% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
3.0%
went bankrupt
9.5%
stopped otherwise
87%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,592 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,055 | €15,430 | €15,368 | €14,647 | €14,140 | ▼ 3.5% |
| Other operating charges640/8 | €1,827 | €1,401 | €1,144 | €1,114 | €1,323 | ▲ 18.8% |
| Non-recurring operating charges66A | - | €181 | - | - | €264 | - |
| Gross operating margin9900 | €26,109 | €8,254 | €22,118 | €23,880 | €8,273 | ▼ 65.4% |
| Operating profit (loss)9901 | €8,228 | -€8,758 | €5,606 | €8,119 | -€7,455 | ▼ 192% |
| Financial income75/76B | €0 | €0 | - | - | €10 | - |
| Recurring financial income75 | €0 | €0 | - | - | €10 | - |
| Financial charges65/66B | €2,036 | €2,024 | €2,796 | €3,914 | €2,899 | ▼ 25.9% |
| Recurring financial charges65 | €2,036 | €2,024 | €2,796 | €3,914 | €2,899 | ▼ 25.9% |
| Profit (loss) for the period before taxes9903 | €6,191 | -€10,782 | €2,810 | €4,205 | -€10,344 | ▼ 346% |
| Income taxes67/77 | €2,272 | €124 | €250 | €1,459 | €228 | ▼ 84.4% |
| Profit (loss) for the period9904 | €3,919 | -€10,906 | €2,560 | €2,746 | -€10,572 | ▼ 485% |
| Profit (loss) for the period to be appropriated9905 | €3,919 | -€10,906 | €2,560 | €2,746 | -€10,572 | ▼ 485% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €136,216 | €127,271 | €106,065 | €108,101 | €89,882 | ▼ 16.9% |
| Fixed assets21/28 | €83,642 | €69,281 | €53,913 | €40,265 | €29,205 | ▼ 27.5% |
| Intangible fixed assets21 | €75,000 | €62,500 | €50,000 | €37,500 | €25,000 | ▼ 33.3% |
| Tangible fixed assets22/27 | €8,642 | €6,781 | €3,913 | €2,765 | €4,205 | ▲ 52.1% |
| Plant, machinery and equipment23 | €6,445 | €5,350 | €3,248 | €2,441 | €4,205 | ▲ 72.2% |
| Other tangible fixed assets26 | €2,197 | €1,431 | €665 | €324 | - | - |
| Current assets29/58 | €52,574 | €57,990 | €52,152 | €67,836 | €60,678 | ▼ 10.6% |
| Stocks and contracts in progress3 | - | - | - | €835 | - | - |
| Stocks30/36 | - | - | - | €835 | - | - |
| Amounts receivable within one year40/41 | €14,498 | €22,335 | €18,955 | €23,858 | €18,071 | ▼ 24.3% |
| Trade receivables40 | €13,770 | €18,603 | €18,705 | €21,817 | €18,071 | ▼ 17.2% |
| Other amounts receivable41 | €728 | €3,732 | €250 | €2,041 | - | - |
| Cash at bank and in hand54/58 | €34,076 | €35,544 | €28,899 | €42,507 | €41,299 | ▼ 2.8% |
| Deferred charges and accrued income490/1 | €4,000 | €111 | €4,298 | €637 | €1,307 | ▲ 105% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €136,216 | €127,271 | €106,065 | €108,101 | €89,882 | ▼ 16.9% |
| Equity10/15 | €48,473 | €37,567 | €40,128 | €42,874 | €32,302 | ▼ 24.7% |
| Contributions10/11 | €48,000 | €48,000 | €48,000 | €48,000 | €48,000 | = |
| Reserves13 | €473 | €473 | €473 | €473 | €473 | = |
| Distributable reserves133 | €473 | €473 | €473 | €473 | €473 | = |
| Profit (loss) carried forward14 | - | -€10,906 | -€8,345 | -€5,599 | -€16,171 | ▼ 189% |
| Amounts payable17/49 | €87,743 | €89,703 | €65,937 | €65,228 | €57,581 | ▼ 11.7% |
| Amounts payable after more than one year17 | €48,000 | €48,000 | €48,000 | €48,000 | €40,000 | ▼ 16.7% |
| Other amounts payable178/9 | €48,000 | €48,000 | €48,000 | €48,000 | €40,000 | ▼ 16.7% |
| Amounts payable within one year42/48 | €35,180 | €36,875 | €6,513 | €5,827 | €8,334 | ▲ 43.0% |
| Trade debts44 | €690 | €471 | €267 | - | €749 | - |
| Suppliers440/4 | €690 | €471 | €267 | - | €749 | - |
| Taxes, remuneration and social security45 | €2,278 | - | - | - | €228 | - |
| Taxes450/3 | €2,278 | - | - | - | €228 | - |
| Other amounts payable47/48 | €32,212 | €36,403 | €6,246 | €5,827 | €7,357 | ▲ 26.3% |
| Accrued charges and deferred income492/3 | €4,564 | €4,829 | €11,424 | €11,400 | €9,247 | ▼ 18.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,919 | -€10,906 | €2,560 | €2,746 | -€10,572 | ▼ 485% |
| + Depreciation and write-downs630 | €16,055 | €15,430 | €15,368 | €14,647 | €14,140 | ▼ 3.5% |
| Operating cash flow (approximation) | €19,974 | €4,524 | €17,928 | €17,393 | €3,568 | ▼ 79.5% |
| Investment in fixed assets (approximation) | - | -€1,068 | €0 | -€999 | -€3,080 | ▼ 208% |
| Change in cash | - | €1,468 | -€6,646 | €13,608 | -€1,208 | ▼ 109% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €2,560
Net result €2,560 after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 8.01
Current ratio from 1.57 to 8.01; short-term debt falls from €36,875 to €6,513.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet -€10,906
Net result drops to -€10,906, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €5,343 ▲78.8%
Operating result €9,730, net result €5,343, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €2,988
Net result €2,988 after one loss-making year.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Pelt · 1 establishment unit since 2018
Ground area
562 m²
Building footprint
141 m²
Volume, LiDAR
642 m³
Parcel 72362C0845/00S000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Patrick Cuijvers
since 20182.273.915.669
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72362C0845/00S000 | Flanders | 562 m² | 1 · 141 m² | 7.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 5,992 companies in sector 86940 we hold annual accounts for 1,810. 1,551 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded19-03-2018
Fiscal year end31-12
Activities, NACEBEL 2025
86940Nursing and midwifery
47251Retail sale of wines and spirits
82990Other business support services
85599Other education
E-invoicing
Reachable via Peppol
Peppol ID
0208:0692656709
Also
9925:BE0692656709
Registered
09-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.