SVmédic
ActiveSummary
SVmédic has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €8,344 and a net result of €40,344. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 13% of 1246 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100▲+20
Solvency35▼-51
Growth58▲+6
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.96 against 2.44 in 2023; short-term debt: 62.9% and cash: 39.1% of total assets), and 90.3% of the assets are financed with debt.
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Signals
Six 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
9.7%
Return on assets
47.1%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 1246 sector peers (2024).
NBB · sector comparisonPosition among 1246 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-06-2026, 35 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
35 d early
2024
57 d early
2023
14 d early
2022
25 d early
2021
24 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 21 days before 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. Usually files around 6 July (4 of the last 5 filed years within 32 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€40,344▲ 357%
2023 · €8,830
Working capital
-€2,003
2023 · €54,955
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2021202220232024
Operating result€31,531-€23,788▼ 24.6%€11,848▼ 50.2%€52,502▲ 343%
Net result€25,168within the sector's middle half-€18,644within the sector's middle half▼ 25.9%€8,830below the sector's middle half▼ 52.6%€40,344within the sector's middle half▲ 357%
Equity€33,168below the sector's middle half-€51,812below the sector's middle half▲ 56.2%€60,642below the sector's middle half▲ 17.0%€8,344below the sector's middle half▼ 86.2%
Total assets€46,632below the sector's middle half-€82,198below the sector's middle half▲ 76.3%€98,805below the sector's middle half▲ 20.2%€85,653below the sector's middle half▼ 13.3%
Debt€13,464-€30,386▲ 126%€38,163▲ 25.6%€77,309▲ 103%
Working capital€33,168within the sector's middle half-€45,414within the sector's middle half▲ 36.9%€54,955within the sector's middle half▲ 21.0%-€2,003below the sector's middle half
Solvency71.1%within the sector's middle half-63.0%within the sector's middle half▼ 8.1pp61.4%within the sector's middle half▼ 1.7pp9.7%below the sector's middle half▼ 51.6pp
Current ratio3.46within the sector's middle half-2.49within the sector's middle half▼ 0.972.44within the sector's middle half▼ 0.050.96below the sector's middle half▼ 1.48
Return on assets (ROA)54.0%above the sector's middle half-22.7%above the sector's middle half▼ 31.3pp8.9%within the sector's middle half▼ 13.7pp47.1%above the sector's middle half▲ 38.2pp
above
within
below
the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 343% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €85,653
Fixed assets
€33,764 ▲ 494%
Current assets
€51,889 ▼ 44.3%
Equity and liabilities €85,653
Equity
€8,344 ▼ 86.2%
Debt
€77,309 ▲ 103%
Debt's share of the balance-sheet total rises from 38.6% to 90.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€61,343▲
2023 · €12,559
Cash flow
€49,185▲
2023 · €9,541
Debt to equity
9.27▲
2023 · 0.63
ROE
483.5%▲
2023 · 14.6%
Interest coverage
44.64▼
2023 · 120.30
Debt ≤ 1 year
€53,892▲
2023 · €38,163
Debt > 1 year
€23,417
Income taxes
€10,784▲
2023 · €2,914
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,153 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
1.7%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 2,153 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 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €711 | €711 | €8,841 | ▲ 1,144% |
| Other operating charges640/8 | - | €854 | €770 | €610 | ▼ 20.9% |
| Gross operating margin9900 | €31,531 | €25,354 | €13,329 | €61,953 | ▲ 365% |
| Operating profit (loss)9901 | €31,531 | €23,788 | €11,848 | €52,502 | ▲ 343% |
| Financial charges65/66B | €14 | €171 | €104 | €1,374 | ▲ 1,216% |
| Recurring financial charges65 | €14 | €171 | €104 | €1,374 | ▲ 1,216% |
| Profit (loss) for the period before taxes9903 | €31,517 | €23,618 | €11,744 | €51,127 | ▲ 335% |
| Income taxes67/77 | €6,349 | €4,974 | €2,914 | €10,784 | ▲ 270% |
| Profit (loss) for the period9904 | €25,168 | €18,644 | €8,830 | €40,344 | ▲ 357% |
| Profit (loss) for the period to be appropriated9905 | €25,168 | €18,644 | €8,830 | €40,344 | ▲ 357% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €46,632 | €82,198 | €98,805 | €85,653 | ▼ 13.3% |
| Fixed assets21/28 | - | €6,398 | €5,687 | €33,764 | ▲ 494% |
| Tangible fixed assets22/27 | - | €6,398 | €5,687 | €33,764 | ▲ 494% |
| Furniture and vehicles24 | - | €6,398 | €5,687 | €33,764 | ▲ 494% |
| Current assets29/58 | €46,632 | €75,800 | €93,118 | €51,889 | ▼ 44.3% |
| Amounts receivable within one year40/41 | €874 | €2,677 | €16,763 | €18,437 | ▲ 10.0% |
| Trade receivables40 | €223 | - | - | €135 | - |
| Other amounts receivable41 | €651 | €2,677 | €16,763 | €18,302 | ▲ 9.2% |
| Cash at bank and in hand54/58 | €45,758 | €73,123 | €76,355 | €33,452 | ▼ 56.2% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €46,632 | €82,198 | €98,805 | €85,653 | ▼ 13.3% |
| Equity10/15 | €33,168 | €51,812 | €60,642 | €8,344 | ▼ 86.2% |
| Contributions10/11 | €8,000 | €8,000 | €8,000 | €8,000 | = |
| Profit (loss) carried forward14 | €25,168 | €43,812 | €52,642 | €344 | ▼ 99.3% |
| Amounts payable17/49 | €13,464 | €30,386 | €38,163 | €77,309 | ▲ 103% |
| Amounts payable after more than one year17 | - | - | - | €23,417 | - |
| Financial debts170/4 | - | - | - | €23,417 | - |
| Amounts payable within one year42/48 | €13,464 | €30,386 | €38,163 | €53,892 | ▲ 41.2% |
| Current portion of amounts payable after more than one year42 | - | - | - | €6,716 | - |
| Trade debts44 | €536 | - | - | - | - |
| Suppliers440/4 | €536 | - | - | - | - |
| Taxes, remuneration and social security45 | €7,000 | €1,000 | €3,000 | - | - |
| Taxes450/3 | €7,000 | €1,000 | €3,000 | - | - |
| Other amounts payable47/48 | €5,928 | €29,386 | €35,163 | €47,176 | ▲ 34.2% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €25,168 | €18,644 | €8,830 | €40,344 | ▲ 357% |
| + Depreciation and write-downs630 | - | €711 | €711 | €8,841 | ▲ 1,144% |
| Operating cash flow (approximation) | €25,168 | €19,355 | €9,541 | €49,185 | ▲ 416% |
| Investment in fixed assets (approximation) | - | - | €0 | -€36,918 | - |
| Change in cash | - | €27,365 | €3,232 | -€42,903 | ▼ 1,427% |
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
26-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2021net €40,344 ▲357%
Operating result €52,502, net result €40,344, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €8,830 ▼52.6%
Net result drops to €8,830, the lowest in the series; recovery starts the following year.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Oudergem · 1 establishment unit since 2021
Ground area
314 m²
Building footprint
92 m²
Volume, LiDAR
900 m³
Parcel 21332E0033/00L053, Brussels · tallest building 12.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SVmédic
since 20212.317.729.777
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21332E0033/00L053 | Brussels | 314 m² | 1 · 91 m² | 12.6 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.
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DRAM-FLUTUR
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DR. JOLIEN DEFERME
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Of 16,627 companies in sector 86220 we hold annual accounts for 7,986. 1,917 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
Founded27-05-2021
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
E-invoicing
Reachable via Peppol
Peppol ID
0208:0768821208
Registered
06-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.