Thuisverpleging Ellen Decock
ActiveSummary
The computed 12-month bankruptcy probability of Thuisverpleging Ellen Decock is 2.3% (moderate). The 2025 annual accounts show equity of €160k and a net result of €45k. Equity is growing by ~40.2% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▼-4
Solvency100▲+7
Growth52=
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 6.51 against 4.83 in 2024; short-term debt: 13% and cash: 65.4% of total assets), and 22.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
77.9%
Return on assets
21.9%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 11-03-2026, 50 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
50 d early
2024
26 d early
2023
5 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€160k▲ 39.1%
2024 · €115k
2023: €67k
2024: €115k
2023 → 2025
Total assets
€205k▲ 21.8%
2024 · €168k
2023: €133k
2024: €168k
2023 → 2025
Net result
€45k▼ 8.4%
2024 · €49k
2023: €64k
2024: €49k
2023 → 2025
Working capital
€147k▲ 48.1%
2024 · €99k
2023: €50k
2024: €99k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€67k-€115k▲ 70.2%€160k▲ 39.1%
Operating result€82k-€64k▼ 22.3%€58k▼ 9.4%
Net result€64k-€49k▼ 23.4%€45k▼ 8.4%
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 9% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €205k
Fixed assets
€32k ▼ 27.0%
Current assets
€173k ▲ 38.8%
Equity and liabilities €205k
Equity
€160k ▲ 39.1%
Debt
€45k ▼ 15.3%
Debt's share of the balance-sheet total falls from 31.8% to 22.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€70k▼
2024 · €76k
Cash flow
€57k▼
2024 · €61k
Current ratio
6.51▲
2024 · 4.83
Debt to equity
0.28▼
2024 · 0.47
ROE
28.1%▼
2024 · 42.8%
ROA
21.9%▼
2024 · 29.2%
Interest coverage
45.95▲
2024 · 43.78
Debt ≤ 1 year
€27k▲
2024 · €26k
Debt > 1 year
€18k▼
2024 · €27k
Income taxes
€12k▼
2024 · €13k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€168k€205k▲
Fixed assets21/28€43k€32k▼
Tangible fixed assets22/27€43k€32k▼
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24€42k€31k▼
Current assets29/58€125k€173k▲
Amounts receivable within one year40/41€0-
Other amounts receivable41€0-
Current investments50/53-€25k
Cash at bank and in hand54/58€112k€134k▲
Deferred charges and accrued income490/1€13k€14k▲
Equity and liabilities
Total equity and liabilities10/49€168k€205k▲
Equity10/15€115k€160k▲
Contributions10/11€5k€5k=
Reserves13€110k€155k▲
Distributable reserves133€110k€155k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€53k€45k▼
Amounts payable after more than one year17€27k€18k▼
Financial debts170/4€27k€18k▼
Amounts payable within one year42/48€26k€27k▲
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€13k€12k▼
Taxes450/3€13k€12k▼
Other amounts payable47/48€2k€4k▲
Accrued charges and deferred income492/3€991€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€77k€71k▼
Operating profit (loss)9901€64k€58k▼
Financial income75/76B€0€555▲
Recurring financial income75€0€555▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€62k€57k▼
Income taxes67/77€13k€12k▼
Profit (loss) for the period9904€49k€45k▼
Profit (loss) for the period to be appropriated9905€49k€45k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€45k▼
Transfer to equity691/2€47k€45k▼
To other reserves6921€47k€45k▼
Profit to be distributed694/7€2k€0▼
Return on contributions (dividend)694€2k€0▼
The notes to these accounts (6 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
11-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €45k ▼8.4%
Net result drops to €45k, the lowest in the series.
30-09
Financial
Equity above €150kEq €160k ▲39.1%
3 profitable years in a row build equity to €160k.
04-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €100kEq €115k ▲70.2%
2 profitable years in a row build equity to €115k.
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Kluisbergen · 1 establishment unit since 2022
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.
Hoogweg 49690 KluisbergenGround area
1,174 m²
Building footprint
112 m²
Volume, LiDAR
383 m³
Parcel 45043B0074/00V000, Flanders · tallest building 5.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Thuisverpleging Ellen Decock
since 20222.332.820.405
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45043B0074/00V000 | Flanders | 1,174 m² | 1 · 112 m² | 5.9 m · 1 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 153 EUR awarded · 153 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 153 EUR | 153 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-06-2022
Fiscal year end30-09
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:ellen.decock2@telenet.be