StC²
ActiveStC² has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €195k and a net result of €35k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 49% of 19906 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
86
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability84▲+6
Solvency91▲+16
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 1.0 in 2023; short-term debt: 26.9% and cash: 8.4% of total assets), and 33.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
not confirmed
2024
61 d late
2023
61 d late
2022
91 d late
2021
12 d late
2020
31 d late
2019
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€195k▲ 22.1%
2023 · €160k
2018: €125k
2019: €139k
2020: €124k
2021: €138k
2022: €137k
2023: €160k
2018 → 2024
Total assets
€295k▼ 7.7%
2023 · €319k
2018: €334k
2019: €338k
2020: €323k
2021: €280k
2022: €294k
2023: €319k
2018 → 2024
Net result
€35k▲ 54.0%
2023 · €23k
2018: €35k
2019: €14k
2020: €10k
2021: €14k
2022: €-2k
2023: €23k
2018 → 2024
Working capital
€13k
2023 · €-183
2018: €28k
2019: €33k
2020: €7k
2021: €15k
2022: €-4k
2023: €-183
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€124k-€138k▲ 11.5%€137k▼ 1.1%€160k▲ 16.8%€195k▲ 22.1%
Operating result€22k-€24k▲ 13.7%€70k▲ 185%€34k▼ 50.8%€50k▲ 45.8%
Net result€10k-€14k▲ 49.8%€-2k€23k€35k▲ 54.0%
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 2024; 2024 is 46% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €295k
Fixed assets
€202k▼ 4.7%
Current assets
€93k▼ 13.6%
Equity and liabilities €295k
Equity
€195k▲ 22.1%
Debt
€100k▼ 37.5%
The debt ratio falls from 50.0% to 33.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€71k▲
2023 · €57k
Cash flow
€56k▲
2023 · €46k
Solvency
66.1%▲
2023 · 50.0%
Current ratio
1.17▲
2023 · 1.00
Quick ratio
1.17▲
2023 · 1.00
Debt / equity
0.51▼
2023 · 1.00
ROE
18.1%▲
2023 · 14.4%
ROA
12.0%▲
2023 · 7.2%
Interest coverage
175.66▲
2023 · 146.90
Debt
€100k▼
2023 · €160k
Debt ≤ 1 year
€79k▼
2023 · €108k
Debt > 1 year
€16k▼
2023 · €43k
Income taxes
€14k▲
2023 · €11k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€319k€295k▼
Fixed assets21/28€212k€202k▼
Tangible fixed assets22/27€211k€201k▼
Land and buildings22€181k€167k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€15k€21k▲
Other tangible fixed assets26€9k€8k▼
Financial fixed assets28€1k€1k=
Current assets29/58€107k€93k▼
Amounts receivable within one year40/41€52k€59k▲
Trade receivables40€50k€51k▲
Other amounts receivable41€2k€8k▲
Cash at bank and in hand54/58€32k€25k▼
Deferred charges and accrued income490/1€23k€9k▼
Equity and liabilities
Total equity and liabilities10/49€319k€295k▼
Equity10/15€160k€195k▲
Contributions10/11€6k€6k=
Reserves13€24k€59k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€22k€57k▲
Profit (loss) carried forward14€129k€130k▲
Amounts payable17/49€160k€100k▼
Amounts payable after more than one year17€43k€16k▼
Financial debts170/4€43k€16k▼
Amounts payable within one year42/48€108k€79k▼
Current portion of amounts payable after more than one year42€29k€29k▼
Trade debts44€12k€6k▼
Suppliers440/4€12k€6k▼
Taxes, remuneration and social security45€14k€11k▼
Taxes450/3€14k€11k▼
Other amounts payable47/48€52k€34k▼
Accrued charges and deferred income492/3€9k€4k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€21k▼
Other operating charges640/8€1k€935▼
Gross operating margin9900€58k€72k▲
Operating profit (loss)9901€34k€50k▲
Financial income75/76B€174€175▲
Recurring financial income75€174€175▲
Financial charges65/66B€388€403▲
Recurring financial charges65€388€403▲
Profit (loss) for the period before taxes9903€34k€50k▲
Income taxes67/77€11k€14k▲
Profit (loss) for the period9904€23k€35k▲
Profit (loss) for the period to be appropriated9905€23k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€151k€165k▲
Profit (loss) brought forward from the previous period14P€129k€129k▲
Transfer to equity691/2€22k€35k▲
To other reserves6921€22k€35k▲
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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2018net €35k ▲54%
Net result €35k, the highest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
31-12
Financial
Equity above €150kEq €160k ▲16.8%
Equity rises from €137k to €160k.
30-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 91 days late
2022
31-12
Financial
Weakest financial yearnet €-2k ▼111%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Wemmel · 1 establishment unit since 2009
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.
Fr. Robbrechtsstraat 751780 WemmelGround area
1,587 m²
Building footprint
322 m²
Volume, LiDAR
894 m³
2 parcels, Flanders, Wallonia · tallest building 12.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
STC²
since 20092.181.632.146
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51004B0387/00R002 | Wallonia | 1,200 m² | 1 · 225 m² | - |
| 22005A0530/00D002 | Flanders | 387 m² | 1 · 97 m² | 12.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
254900G77BOF8XA7JL38
Similar companies · same sector, comparable size
DR. LAUREN VANDEPITTE
BE 0802.714.095
Brugge · Eq €195k
CABINET MEDECINE GENERALE PIERRE HENNEKINNE
BE 0890.679.239
Namur · Eq €195k
DOKTER KIM VAN DER CAM
BE 0898.408.258
Hove · Eq €195k
Dr. Maarten Cox
BE 0783.806.718
Pelt · Eq €195k
DOKTER CHARLOTTE PUYSTJENS
BE 0694.917.896
Oostende · Eq €195k
Of 9,119 companies in sector 86210 we hold annual accounts for 6,336. 5,411 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded25-09-2009
Fiscal year end31-12
Activities, NACEBEL
86210General medical practice
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.