PEBRA
ActiveSummary
PEBRA has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €508,500 and a net result of €100,349. Equity is growing by ~32.7% per year across the filed fiscal years. Its solvency ranks better than 52% of 16718 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability85▼-14
Solvency90=
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45,000 at 30 days acceptable
Liquidity ample (current ratio 4.01 against 3.52 in 2024; short-term debt: 19.8% and cash: 35.9% of total assets), and 34.9% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
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
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
65.1%
Return on assets
12.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
88 d late
2023
61 d late
2022
31 d late
2021
60 d late
2020
62 d late
2019
31 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 52 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)
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.
Companies Code · seven monthsPosition in the running window
27-09-2026 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 simulator 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
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€508,500▲ 15.7%
2024 · €439,483
Total assets
€780,777▲ 15.5%
2024 · €675,970
Net result
€100,349▼ 37.7%
2024 · €161,185
Working capital
€464,503▲ 10.6%
2024 · €419,903
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€71,463▲ 1.1%€65,060▼ 9.0%€104,224▲ 60.2%€233,040▲ 124%€146,462▼ 37.2%
Net result€49,949▲ 0.2%€43,888▼ 12.1%€75,423▲ 71.9%€161,185▲ 114%€100,349▼ 37.7%
Equity€161,421▲ 44.8%€204,509▲ 26.7%€279,132▲ 36.5%€439,483▲ 57.4%€508,500▲ 15.7%
Total assets€272,427▲ 3.0%€317,866▲ 16.7%€420,734▲ 32.4%€675,970▲ 60.7%€780,777▲ 15.5%
Debt€106,468▼ 30.5%€98,791▼ 7.2%€131,574▲ 33.2%€236,487▲ 79.7%€272,277▲ 15.1%
Working capital€113,971▲ 171%€193,128▲ 69.5%€272,933▲ 41.3%€419,903▲ 53.8%€464,503▲ 10.6%
Staff (FTE)2.1▲ 40.0%2.3▲ 9.5%2.6▲ 13.0%3.3▲ 26.9%3.5▲ 6.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Why a figure moved sharply
- 2024 Equity +57%, Total assets +61% on 2023. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 37% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €780,777
Fixed assets
€161,775 ▲ 80.5%
Current assets
€619,002 ▲ 5.6%
Equity and liabilities €780,777
Equity
€508,500 ▲ 15.7%
Debt
€272,277 ▲ 15.1%
Debt's share of the balance-sheet total falls from 35.0% to 34.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€209,045▼
2024 · €275,788
Cash flow
€162,933▼
2024 · €203,932
Current ratio
4.01▲
2024 · 3.52
Debt to equity
0.54▼
2024 · 0.54
ROE
19.7%▼
2024 · 36.7%
ROA
12.9%▼
2024 · 23.8%
Interest coverage
32.96▼
2024 · 57.52
Debt ≤ 1 year
€154,500▼
2024 · €166,443
Debt > 1 year
€107,307▲
2024 · €49,346
Income taxes
€44,753▼
2024 · €72,661
Staff costs
€143,785▼
2024 · €157,888
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,324 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of < 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 31,324 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €17,461 | €800 | €9,258 | €9 | €1,060 | ▲ 11,682% |
| Remuneration, social security and pensions62 | €106,335 | €117,244 | €130,350 | €157,888 | €143,785 | ▼ 8.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €55,819 | €50,476 | €30,017 | €42,748 | €62,583 | ▲ 46.4% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | €4,538 | €10,028 | -€4,538 | -€10,028 | - | - |
| Other operating charges640/8 | €2,645 | €1,708 | €1,364 | €2,190 | €1,423 | ▼ 35.0% |
| Non-recurring operating charges66A | €80 | €287 | €7,162 | €485 | €454 | ▼ 6.4% |
| Gross operating margin9900 | €240,879 | €244,802 | €268,580 | €426,323 | €354,707 | ▼ 16.8% |
| Operating profit (loss)9901 | €71,463 | €65,060 | €104,224 | €233,040 | €146,462 | ▼ 37.2% |
| Financial income75/76B | - | €117 | €1,831 | €5,600 | €4,982 | ▼ 11.0% |
| Recurring financial income75 | - | €117 | €1,831 | €5,600 | €4,982 | ▼ 11.0% |
| Financial charges65/66B | €2,596 | €2,170 | -€100 | €4,794 | €6,342 | ▲ 32.3% |
| Recurring financial charges65 | €2,596 | €2,170 | -€100 | €4,794 | €6,342 | ▲ 32.3% |
| Profit (loss) for the period before taxes9903 | €68,867 | €63,006 | €106,156 | €233,846 | €145,102 | ▼ 37.9% |
| Income taxes67/77 | €18,918 | €19,118 | €30,733 | €72,661 | €44,753 | ▼ 38.4% |
| Profit (loss) for the period9904 | €49,949 | €43,888 | €75,423 | €161,185 | €100,349 | ▼ 37.7% |
| Profit (loss) for the period to be appropriated9905 | €49,949 | €43,888 | €75,423 | €161,185 | €100,349 | ▼ 37.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €272,427 | €317,866 | €420,734 | €675,970 | €780,777 | ▲ 15.5% |
| Fixed assets21/28 | €96,690 | €56,682 | €44,829 | €89,625 | €161,775 | ▲ 80.5% |
| Tangible fixed assets22/27 | €96,690 | €56,682 | €44,829 | €89,625 | €161,775 | ▲ 80.5% |
| Plant, machinery and equipment23 | €15,931 | €4,996 | €22,640 | €75,833 | €154,952 | ▲ 104% |
| Furniture and vehicles24 | €70,430 | €44,368 | €17,499 | €7,010 | €1,586 | ▼ 77.4% |
| Other tangible fixed assets26 | €10,329 | €7,318 | €4,689 | €6,782 | €5,237 | ▼ 22.8% |
| Current assets29/58 | €175,737 | €261,183 | €375,905 | €586,345 | €619,002 | ▲ 5.6% |
| Amounts receivable within one year40/41 | €20,761 | €11,892 | €15,006 | €11,924 | €18,783 | ▲ 57.5% |
| Trade receivables40 | - | - | €9,099 | - | - | - |
| Other amounts receivable41 | €20,761 | €11,892 | €5,907 | €11,924 | €18,783 | ▲ 57.5% |
| Current investments50/53 | €3,970 | €114,914 | €152,871 | €266,102 | €316,972 | ▲ 19.1% |
| Cash at bank and in hand54/58 | €120,771 | €91,685 | €161,244 | €253,404 | €280,534 | ▲ 10.7% |
| Deferred charges and accrued income490/1 | €30,235 | €42,692 | €46,785 | €54,916 | €2,714 | ▼ 95.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €272,427 | €317,866 | €420,734 | €675,970 | €780,777 | ▲ 15.5% |
| Equity10/15 | €161,421 | €204,509 | €279,132 | €439,483 | €508,500 | ▲ 15.7% |
| Contributions10/11 | €6,207 | €6,207 | €6,207 | €6,207 | €6,207 | = |
| Reserves13 | €155,214 | €198,302 | €272,924 | €433,276 | €502,292 | ▲ 15.9% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €153,354 | €196,442 | €272,924 | €433,276 | €502,292 | ▲ 15.9% |
| Provisions and deferred taxes16 | €4,538 | €14,565 | €10,028 | - | - | - |
| Provisions for liabilities and charges160/5 | €4,538 | €14,565 | €10,028 | - | - | - |
| Other liabilities and charges164/5 | €4,538 | €14,565 | €10,028 | - | - | - |
| Amounts payable17/49 | €106,468 | €98,791 | €131,574 | €236,487 | €272,277 | ▲ 15.1% |
| Amounts payable after more than one year17 | €44,702 | €30,725 | €16,619 | €49,346 | €107,307 | ▲ 117% |
| Financial debts170/4 | €44,702 | €30,725 | €16,619 | €49,346 | €107,307 | ▲ 117% |
| Amounts payable within one year42/48 | €61,766 | €68,055 | €102,972 | €166,443 | €154,500 | ▼ 7.2% |
| Current portion of amounts payable after more than one year42 | €20,104 | €13,978 | €14,105 | €48,246 | €63,493 | ▲ 31.6% |
| Trade debts44 | €17,714 | €24,395 | €39,041 | €48,723 | €35,900 | ▼ 26.3% |
| Suppliers440/4 | €17,714 | €24,395 | €39,041 | €48,723 | €35,900 | ▼ 26.3% |
| Taxes, remuneration and social security45 | €20,355 | €28,207 | €48,909 | €68,891 | €54,524 | ▼ 20.9% |
| Taxes450/3 | €4,466 | €8,866 | €26,857 | €38,701 | €36,057 | ▼ 6.8% |
| Remuneration and social security454/9 | €15,889 | €19,341 | €22,052 | €30,191 | €18,467 | ▼ 38.8% |
| Other amounts payable47/48 | €3,592 | €1,476 | €917 | €583 | €583 | = |
| Accrued charges and deferred income492/3 | - | €12 | €11,983 | €20,698 | €10,471 | ▼ 49.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €49,949 | €43,888 | €75,423 | €161,185 | €100,349 | ▼ 37.7% |
| + Depreciation and write-downs630 | €55,819 | €50,476 | €30,017 | €42,748 | €62,583 | ▲ 46.4% |
| Operating cash flow (approximation) | €105,767 | €94,364 | €105,440 | €203,932 | €162,933 | ▼ 20.1% |
| Investment in fixed assets (approximation) | - | -€10,469 | -€18,163 | -€87,544 | -€134,734 | ▼ 53.9% |
| Change in cash | - | -€29,085 | €69,559 | €92,160 | €27,130 | ▼ 70.6% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Equity above €500,000Eq €508,500 ▲15.7%
8 profitable years in a row build equity to €508,500.
27-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 88 days late
2024
31-12
Financial
Highest result since 2018net €161,185 ▲114%
Operating result €233,040, net result €161,185, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €200,000Eq €204,509 ▲26.7%
5 profitable years in a row build equity to €204,509.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 2.85
Current ratio from 1.30 to 2.85; short-term debt falls from €138,115 to €61,766.
31-12
Financial
Equity above €150,000Eq €161,421 ▲44.8%
4 profitable years in a row build equity to €161,421.
01-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 62 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
Show earlier events
2019
31-12
Financial
Equity above €100,000Eq €121,771 ▲68.1%
2 profitable years in a row build equity to €121,771.
04-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 35 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
1 act for this company is 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, Chiny · 1 establishment unit since 2001
Ground area
914 m²
Building footprint
178 m²
Volume, LiDAR
1,418 m³
Parcel 85019B0474/00D000, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Faing,Jamoigne 9, 6810 Chiny
since 20012.228.545.504
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85019B0474/00D000 | Wallonia | 914 m² | 1 · 178 m² | 10.6 m · 3 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.
Similar companies · same sector, comparable size
DR. OMMESLAG DIRK
BE 0475.176.373
Oostende · Eq €508,582
CABINET MEDICAL DOCTEUR GREGORY HOES
BE 0543.548.507
Mons · Eq €508,086
SOCIETE MEDICALE BIERLAIRE
BE 0559.806.004
Le Roeulx · Eq €509,006
J.L. Jadoul Anesthesist
BE 0898.632.249
Grobbendonk · Eq €507,748
Dr. Marc Naulaerts
BE 0784.342.790
Leuven · Eq €509,319
Of 16,631 companies in sector 86220 we hold annual accounts for 7,983. 6,426 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
Founded13-04-2001
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.