PATRICK LENARDUZZI

Active

Private limited companyfounded 200026 yrs activeRue des Pépinières(CER) 15, 4632 Soumagne, BelgiumKBO/BCE: BE 0471.746.731

Summary

PATRICK LENARDUZZI has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €228,964 and a net result of €118,717. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 50% of 19338 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch Report Compare

PATRICK LENARDUZZIActiveChecked score 95/100

Risk analysis Report Compare

Activity

Specialist medical practice

NACE 86220NACE 85120

#3 oldest company in Soumagne, Health and social work sector4 sites

Size

€361,684total assets 2025

Staff: 1 FTE
Equity: €228,964
Profit: €118,717

Financial health

95 Excellent Checked score 2025

Bankruptcy chance 12 m: < 0.1%

Structure

Accounts filed 29 d late0 of 2 deeds read

Why 95+ Sector Human health activities (NACE 86)+ Liquidity: current ratio 2.55, cash €52,159+ Size: total assets €361,684+ Equity €228,964 (63.3% of total assets)Show the evidence

Checked score

Score 2025

95 / 100

Excellent

Probability in this band: under 0.55%

Better than 57% 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 88-5

equity 63.3% of total assets

Liquidity 53+2

short-term debt 34.4% · cash 14.4%

Profitability 100=

return on assets 32.8%

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% (23,682 companies)

Last 24 months 11-2024: < 0.1%lowest value 12-2024: < 0.1%● 0.0% vs 11-2024lowest value 01-2025: < 0.1%● 0.0% vs 12-2024lowest value 02-2025: < 0.1%● 0.0% vs 01-2025lowest value 03-2025: < 0.1%▲ +6.7% vs 02-2025 04-2025: < 0.1%▲ +3.1% vs 03-2025 05-2025: < 0.1%▼ -3.0% vs 04-2025 06-2025: < 0.1%● 0.0% vs 05-2025 07-2025: < 0.1%▲ +21.9% vs 06-2025 08-2025: < 0.1%▲ +7.7% 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%▲ +4.8% vs 02-2026 04-2026: < 0.1%▲ +2.3% vs 03-2026 05-2026: < 0.1%▼ -2.2% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: < 0.1%▲ +6.8% vs 06-2026 08-2026: 0.1%▲ +151% vs 07-2026highest value 09-2026: < 0.1%▼ -74.6% 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 2.55, cash €52,159 lowers the probability
Size: total assets €361,684 lowers the probability for this profile
Equity €228,964 (63.3% of total assets) lowers the probability

Credit up to €21,000 at 30 days acceptable

Liquidity ample (current ratio 2.55 against 3.27 in 2024; short-term debt: 34.4% and cash: 14.4% of total assets), and 36.7% 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 51%, liquidity 26%, profitability 80%, growth against the median 70%. 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

Six 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 2.55, cash €52,159

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Size: total assets €361,684

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

NBB · annual accounts

Equity €228,964 (63.3% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Growing equity

Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.

NBB · annual accounts 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year €228,964

A punctual record breaks

This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.

NBB · 10 filings

Deviation from the deadline

2025

29 d late

2024

8 d early

2023

13 d early

2022

20 d early

2021

29 d late

2020

51 d late

2019

28 d late

← 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 14 days after 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 23 July (5 of the last 5 filed years within 37 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

29-08-26 Annual accounts filedfiscal year 2025 · micro…
31-12-25 Highest result since 2018net €118,717 ▲40.8%
31-12-25 Equity above €200,000Eq €228,964 ▲26.6%

Key points

Positive: Oldest company in Soumagne, Health and social work…in the Checked rankings #3 View
Positive: 7 profitable years in a rowprofit 2025: €118,717 7 years View
Active since 2000founded 25-04-2000 26 years View