SMAL DELPHINE PEDIATRE
ActiveSummary
SMAL DELPHINE PEDIATRE has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €479k and a net result of €85k. Equity is growing by ~12.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
short-term debt: 0.2% and cash: 59.9% of total assets, and 0.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
99.8%
Return on assets
17.6%
Age of the figures
9 mo
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
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
61 d late
2023
29 d late
2022
5 d early
2021
23 d early
2020
1 d early
2019
49 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€479k▲ 21.4%
2024 · €395k
2018: €174k
2019: €212k
2020: €256k
2021: €324k
2022: €304k
2023: €372k
2024: €395k
2018 → 2025
Total assets
€480k▲ 9.8%
2024 · €437k
2018: €185k
2019: €215k
2020: €268k
2021: €344k
2022: €324k
2023: €372k
2024: €437k
2018 → 2025
Net result
€85k▼ 12.1%
2024 · €96k
2018: €35k
2019: €38k
2020: €44k
2021: €68k
2022: €67k
2023: €99k
2024: €96k
2018 → 2025
Working capital
€456k▲ 26.0%
2024 · €362k
2018: €164k
2019: €206k
2020: €258k
2021: €326k
2022: €302k
2023: €332k
2024: €362k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€324k-€304k▼ 6.1%€372k▲ 22.1%€395k▲ 6.2%€479k▲ 21.4%
Operating result€94k-€97k▲ 3.2%€137k▲ 40.8%€134k▼ 1.9%€118k▼ 12.0%
Net result€68k-€67k▼ 1.5%€99k▲ 47.5%€96k▼ 2.5%€85k▼ 12.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €480k
Fixed assets
€23k ▼ 29.7%
Current assets
€457k ▲ 13.0%
Equity and liabilities €480k
Equity
€479k ▲ 21.4%
Debt
€830 ▼ 98.0%
Debt's share of the balance-sheet total falls from 9.7% to 0.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€128k▼
2024 · €144k
Cash flow
€94k▼
2024 · €105k
Debt to equity
0.00▼
2024 · 0.11
ROE
17.6%▼
2024 · 24.4%
ROA
17.6%▼
2024 · 22.0%
Interest coverage
271.77▼
2024 · 314.27
Debt ≤ 1 year
€830▼
2024 · €42k
Income taxes
€35k▼
2024 · €40k
A ratio outside any meaningful range has been withheld (balance sheet total €480k, equity €479k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€437k€480k▲
Fixed assets21/28€33k€23k▼
Tangible fixed assets22/27€33k€23k▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€33k€23k▼
Current assets29/58€404k€457k▲
Amounts receivable within one year40/41€40k€17k▼
Other amounts receivable41€40k€17k▼
Current investments50/53€102k€103k▲
Cash at bank and in hand54/58€213k€288k▲
Deferred charges and accrued income490/1€49k€49k▼
Equity and liabilities
Total equity and liabilities10/49€437k€480k▲
Equity10/15€395k€479k▲
Contributions10/11€19k€19k=
Reserves13€375k€460k▲
Distributable reserves133€375k€460k▲
Profit (loss) carried forward14€468€468=
Amounts payable17/49€42k€830▼
Amounts payable within one year42/48€42k€830▼
Trade debts44-€52
Suppliers440/4-€52
Taxes, remuneration and social security45€4k€778▼
Taxes450/3€4k€778▼
Other amounts payable47/48€38k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€10k▲
Other operating charges640/8€1k€754▼
Gross operating margin9900€145k€129k▼
Operating profit (loss)9901€134k€118k▼
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€457€470▲
Recurring financial charges65€457€470▲
Profit (loss) for the period before taxes9903€136k€120k▼
Income taxes67/77€40k€35k▼
Profit (loss) for the period9904€96k€85k▼
Profit (loss) for the period to be appropriated9905€96k€85k▼
Appropriation of the result
Profit (loss) to be appropriated9906€97k€85k▼
Profit (loss) brought forward from the previous period14P€468€468=
Transfer from equity791/2€73k-
Transfer to equity691/2€96k€85k▼
To other reserves6921€96k€85k▼
Profit to be distributed694/7€73k-
Return on contributions (dividend)694€73k-
The notes to these accounts (5 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
Liquidity times 58current ratio 550.59
Current ratio from 9.52 to 550.59; short-term debt falls from €42k to €830.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Highest result since 2018net €99k ▲47.5%
Operating result €137k, net result €99k, both a record.
31-12
Financial
Liquidity times 27current ratio 443.04
Current ratio from 16.16 to 443.04; short-term debt falls from €20k to €751.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
2019
31-12
Financial
Liquidity times 5current ratio 68.72
Current ratio from 15.06 to 68.72; short-term debt falls from €12k to €3k.
31-12
Financial
Equity above €200kEq €212k ▲22.1%
2 profitable years in a row build equity to €212k.
Show earlier events
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 8 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Namur · 1 establishment unit since 2011
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.
Rue de Fernelmont(CH) 2535020 NamurGround area
2,509 m²
Building footprint
190 m²
Volume, LiDAR
1,119 m³
Parcel 92024C0006/00X003, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Fernelmont(CH) 253, 5020 Namur
since 20112.198.814.410
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92024C0006/00X003 | Wallonia | 2,509 m² | 1 · 190 m² | 8.3 m · 2 fl. |
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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-05-2011
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.