PNEUMOMEDIC
ActivePNEUMOMEDIC has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €197k and a net result of €157k. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 51% of 16391 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
73
/ 100
Healthy▼ -15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency77▼-9
Growth78=
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity short (current ratio 0.99 against 1.4 in 2024), and 35.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
64.5%
Return on assets
51.4%
Age of the figures
8 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 31-08-2026, 31 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
31 d late
2024
70 d late
2023
68 d late
2022
60 d late
2021
78 d late
2020
94 d late
2019
122 d late
← before the deadline
after the deadline →
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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€197k▼ 6.2%
2024 · €210k
2018: €82k
2019: €137k
2020: €183k
2021: €110k
2022: €75k
2023: €188k
2024: €210k
2018 → 2025
Total assets
€305k▼ 9.2%
2024 · €336k
2018: €387k
2019: €410k
2020: €427k
2021: €447k
2022: €341k
2023: €306k
2024: €336k
2018 → 2025
Net result
€157k▲ 11.0%
2024 · €141k
2018: €6k
2019: €82k
2020: €116k
2021: €148k
2022: €137k
2023: €151k
2024: €141k
2018 → 2025
Working capital
€-1k
2024 · €34k
2018: €45k
2019: €80k
2020: €107k
2021: €-2k
2022: €-76k
2023: €27k
2024: €34k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€110k-€75k▼ 32.2%€188k▲ 152%€210k▲ 11.3%€197k▼ 6.2%
Operating result€166k-€175k▲ 5.3%€201k▲ 15.3%€190k▼ 5.9%€206k▲ 8.9%
Net result€148k-€137k▼ 6.9%€151k▲ 9.6%€141k▼ 6.1%€157k▲ 11.0%
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 2025; 2025 is 9% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €305k
Fixed assets
€211k▼ 3.2%
Current assets
€94k▼ 20.1%
Equity and liabilities €305k
Equity
€197k▼ 6.2%
Debt
€108k▼ 14.1%
The debt ratio falls from 37.5% to 35.5%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€224k▲
2024 · €212k
Cash flow
€174k▲
2024 · €164k
Solvency
64.5%▲
2024 · 62.5%
Current ratio
0.99▼
2024 · 1.40
Quick ratio
0.99▼
2024 · 1.40
Debt / equity
0.55▼
2024 · 0.60
ROE
79.8%▲
2024 · 67.4%
ROA
51.4%▲
2024 · 42.1%
Interest coverage
104.24▲
2024 · 70.35
Debt
€108k▼
2024 · €126k
Debt ≤ 1 year
€95k▲
2024 · €84k
Debt > 1 year
€12k▼
2024 · €42k
Income taxes
€52k▲
2024 · €45k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€336k€305k▼
Fixed assets21/28€218k€211k▼
Tangible fixed assets22/27€218k€211k▼
Land and buildings22€174k€167k▼
Plant, machinery and equipment23€15k€8k▼
Furniture and vehicles24€29k€35k▲
Financial fixed assets28€250€250=
Current assets29/58€118k€94k▼
Amounts receivable within one year40/41€12k€12k▼
Other amounts receivable41€12k€12k▼
Cash at bank and in hand54/58€98k€80k▼
Deferred charges and accrued income490/1€8k€2k▼
Equity and liabilities
Total equity and liabilities10/49€336k€305k▼
Equity10/15€210k€197k▼
Contributions10/11€12k€12k=
Reserves13€197k€183k▼
Tax-exempt reserves132€23k€23k=
Distributable reserves133€174k€160k▼
Profit (loss) carried forward14€621€2k▲
Amounts payable17/49€126k€108k▼
Amounts payable after more than one year17€42k€12k▼
Financial debts170/4€42k€12k▼
Amounts payable within one year42/48€84k€95k▲
Current portion of amounts payable after more than one year42€28k€29k▲
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€15k€11k▼
Taxes450/3€10k€6k▼
Remuneration and social security454/9€5k€5k=
Other amounts payable47/48€36k€51k▲
Accrued charges and deferred income492/3€439€442▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€17k▼
Other operating charges640/8€3k€5k▲
Gross operating margin9900€215k€228k▲
Operating profit (loss)9901€190k€206k▲
Financial income75/76B€11€8k▲
Recurring financial income75€11€8k▲
Non-recurring financial income76B-€8k
Financial charges65/66B€3k€6k▲
Recurring financial charges65€3k€2k▼
Non-recurring financial charges66B-€4k
Profit (loss) for the period before taxes9903€187k€209k▲
Income taxes67/77€45k€52k▲
Profit (loss) for the period9904€141k€157k▲
Profit (loss) for the period to be appropriated9905€141k€157k▲
Appropriation of the result
Profit (loss) to be appropriated9906€143k€158k▲
Profit (loss) brought forward from the previous period14P€1k€621▼
Transfer from equity791/2€120k€170k▲
Transfer to equity691/2€142k€156k▲
To other reserves6921€142k€156k▲
Profit to be distributed694/7€120k€170k▲
Return on contributions (dividend)694€120k€170k▲
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €157k ▲11%
Operating result €206k, net result €157k, both a record.
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 70 days late
2024
31-12
Financial
Equity above €200kEq €210k ▲11.3%
7 profitable years in a row build equity to €210k.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 1.58
Current ratio from 0.55 to 1.58; short-term debt falls from €169k to €47k.
31-12
Financial
Equity above €150kEq €188k ▲152%
6 profitable years in a row build equity to €188k.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
02-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 94 days late
2020
31-12
Financial
Equity above €150kEq €183k ▲33.8%
3 profitable years in a row build equity to €183k.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Equity above €100kEq €137k ▲65.9%
2 profitable years in a row build equity to €137k.
16-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 77 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Andenne · 1 establishment unit since 1996
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.
Promenade des Ours 145300 AndenneGround area
4,687 m²
Building footprint
108 m²
Parcel 92003H0496/00L002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Docteur Catherine MERCENIER
since 19962.244.781.423
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92003H0496/00L002 | Wallonia | 4,687 m² | 1 · 108 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.
Recognitions · licences · registrations
Legal Entity Identifier
5493007HPHDVKUMXK784
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INAVIUS
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Of 16,602 companies in sector 86220 we hold annual accounts for 7,960. 6,720 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-03-1996
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.