Van Ongeval
ActiveSummary
The computed 12-month bankruptcy probability of Van Ongeval is 1.8% (moderate). The 2024 annual accounts show equity of €142,156 and a net result of €64,194. Equity has been growing by about 19% per year since 2019. The company has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 13-02-2019 Normal situation
- Activity
- “Praktijk in de chiropractie;” (deed in Dutch)From the articles, 13 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.286.368.588 2600 Antwerpen, since 13-02-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 24-06-2025
Board and ownership
Board
- Willem VAN ONGEVALDirector · since 13-02-2019
- Holdings
- Shares in 1 company Antwerps Rugcentrum
Financial position
- Bankruptcy probabilitywithin 12 months
- 1.8%
Annual accounts 2024
- Gross margin
- €95,977
- ▼ 21.7%
- Turnover
- ≈ €290,000
- estimated
- Profit
- €64,194
- ▼ 20.9%
- Equity
- €142,156
- ▲ 82.3%
- Total assets
- €283,039
- ▲ 9.2%
- 2025 accounts not filed, 95 days past the deadline
Score breakdownraises riskFigures for financial year 2024 (filed on 04-09-2025)1 financial year not filed after the legal deadline; last filed accounts filed 29 days lateProfit of €64,194 (financial year 2024)lowers riskSize: total assets €283,039Show the evidence
Checked score
Score 2024
56
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 69% of micro companies without a NACE code
Financial strength · tick: 2023
Strong
Solvency
75+20
equity 50.2% of total assets
Liquidity
66+20
short-term debt 35.2% · cash 25.5%
Profitability
97-3
return on assets 22.7%
Bankruptcy probability within 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.4%● unchanged vs 06-2025
08-2025: 0.8%▲ +0.4 percentage points vs 07-2025
09-2025: 1.0%▲ +0.2 percentage points vs 08-2025
10-2025: 0.2%▼ -0.8 percentage points vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025lowest value
02-2026: 0.2%● unchanged vs 01-2026lowest value
03-2026: 0.3%▲ +0.1 percentage points vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.7%▲ +0.4 percentage points vs 07-2026
09-2026: 0.8%▲ +0.1 percentage points vs 08-2026
10-2026: 1.8%▲ +1.0 percentage point vs 09-2026highest value
11-2026: 1.8%● unchanged vs 10-2026highest value
Credit of up to €7,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity is tight, with a current ratio of 1.08 (0.71 in 2023), below the usual 1.5. Short-term debt is 35.2% and cash 25.5% of total assets. 49.8% of the assets are financed with debt and provisions.
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 44% of them on solvency, 62% on liquidity, 78% on profitability and 91% on growth.
The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 95 days later.
NBB · 6 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline03-11-2026 today
raises risk · 2024 accounts filed 29 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 6 filingsDeviation from the deadline
2025
not filed
2024
29 days late
2023
27 days late
2022
33 days early
2021
5 days early
2020
87 days late
2019
1 day early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 6 accounts on average 17 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (1)
Financials
Financials · financial year 2024, micro format
2025 annual accounts not yet filed, deadline passed on 31 July 2026 The financial year closed on 31 December 2025. The accounts are due at the latest 7 months after the close (Companies Code art. 3:10). Source: NBB filings, as of 3 November 2026.
Annual accounts 2024 filed on 29-08-2025 PDF all 6 filings
Turnover
≈ €290,000
Estimated: probably between €190,000 and €500,000
Total assets
€283,039▲ 9.2%
2023 · €259,139
Net result
€64,194▼ 20.9%
2023 · €81,198
Working capital
€8,040
2023 · -€34,427
Multi-year overview
2019 to 2024, 6 financial yearsOperating result
€88,559
▼ 21.6%
2024
20192024
Net result
€64,194
▼ 20.9%
2024
20192024
Equity
€142,156
▲ 82.3%
2024
20192024
Total assets
€283,039
▲ 9.2%
2024
20192024
Debt
€140,883
▼ 22.2%
2024
20192024
Working capital
€8,040
2024
20192024
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line201920202021202220232024
Operating result€26,001-€60,752▲ 134%€71,406▲ 17.5%€37,919▼ 46.9%€112,905▲ 198%€88,559▼ 21.6%
Net result€18,331-€41,032▲ 124%€50,813▲ 23.8%€26,345▼ 48.2%€81,198▲ 208%€64,194▼ 20.9%
Equity€24,531-€65,562▲ 167%€116,376▲ 77.5%€65,562▼ 43.7%€77,962▲ 18.9%€142,156▲ 82.3%
Total assets€32,780-€243,465▲ 643%€272,944▲ 12.1%€260,314▼ 4.6%€259,139▼ 0.5%€283,039▲ 9.2%
Debt€8,250-€177,903▲ 22×€156,568▼ 12.0%€194,752▲ 24.4%€181,177▼ 7.0%€140,883▼ 22.2%
Working capital€24,531--€68,789€82,373-€13,258-€34,427▼ 160%€8,040
The operating result for 2024 is 22% lower than in 2023.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €283,039
Fixed assets
€175,466 ▲ 0.2%
Current assets
€107,573 ▲ 28.0%
Equity and liabilities €283,039
Equity
€142,156 ▲ 82.3%
Debt
€140,883 ▼ 22.2%
Debt's share of the balance-sheet total falls from 69.9% to 49.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€95,271▼
2023 · €121,482
Cash flow
€70,906▼
2023 · €89,775
Current ratio
1.08▲
2023 · 0.71
Debt to equity
0.99▼
2023 · 2.32
ROE
45.2%▼
2023 · 104.2%
ROA
22.7%▼
2023 · 31.3%
Interest coverage
85.80▲
2023 · 71.15
Debt ≤ 1 year
€99,533▼
2023 · €118,453
Debt > 1 year
€39,741▼
2023 · €61,187
Income taxes
€23,539▼
2023 · €31,925
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Tangible fixed assets | - | €35,166 | €16,039 | €7,065 |
| Financial fixed assets | - | - | €0 | €0 |
| Depreciation and write-downs of the year | €7,921 | €10,199 | €8,577 | €6,713 |
Source: notes to the 2021 to 2024 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,257 | €4,002 | €7,921 | €10,199 | €8,577 | €6,713 | ▼ 21.7% |
| Other operating charges640/8 | - | - | €101 | €102 | €1,056 | €705 | ▼ 33.2% |
| Gross operating margin9900 | €27,356 | €65,444 | €79,428 | €48,220 | €122,538 | €95,977 | ▼ 21.7% |
| Operating profit (loss)9901 | €26,001 | €60,752 | €71,406 | €37,919 | €112,905 | €88,559 | ▼ 21.6% |
| Financial income75/76B | - | - | - | - | €1,925 | €284 | ▼ 85.2% |
| Recurring financial income75 | - | - | - | - | €1,925 | €284 | ▼ 85.2% |
| Financial charges65/66B | - | - | €1,597 | €1,696 | €1,707 | €1,110 | ▼ 35.0% |
| Recurring financial charges65 | €21 | €140 | €1,597 | €1,696 | €1,707 | €1,110 | ▼ 35.0% |
| Profit (loss) for the period before taxes9903 | €25,980 | €60,612 | €69,809 | €36,222 | €113,123 | €87,732 | ▼ 22.4% |
| Income taxes67/77 | €7,649 | €19,580 | €18,995 | €9,878 | €31,925 | €23,539 | ▼ 26.3% |
| Profit (loss) for the period9904 | €18,331 | €41,032 | €50,813 | €26,345 | €81,198 | €64,194 | ▼ 20.9% |
| Profit (loss) for the period to be appropriated9905 | €18,331 | €41,032 | €50,813 | €26,345 | €81,198 | €64,194 | ▼ 20.9% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Total assets20/58 | €32,780 | €243,465 | €272,944 | €260,314 | €259,139 | €283,039 | ▲ 9.2% |
| Fixed assets21/28 | - | €150,605 | €142,684 | €167,651 | €175,113 | €175,466 | ▲ 0.2% |
| Tangible fixed assets22/27 | - | €20,605 | €12,684 | €37,651 | €45,113 | €45,466 | ▲ 0.8% |
| Land and buildings22 | - | - | - | €29,428 | €30,335 | €29,723 | ▼ 2.0% |
| Plant, machinery and equipment23 | - | - | - | €1,540 | €9,817 | €9,533 | ▼ 2.9% |
| Furniture and vehicles24 | - | - | €12,684 | €6,684 | €4,961 | €6,210 | ▲ 25.2% |
| Financial fixed assets28 | - | €130,000 | €130,000 | €130,000 | €130,000 | €130,000 | = |
| Current assets29/58 | €32,780 | €92,860 | €130,260 | €92,663 | €84,026 | €107,573 | ▲ 28.0% |
| Amounts receivable within one year40/41 | €769 | €38,290 | €67,437 | €92,097 | €34,516 | €25,100 | ▼ 27.3% |
| Trade receivables40 | - | - | €38,693 | €19,580 | €2,062 | €0 | ▼ 100% |
| Other amounts receivable41 | - | - | €28,744 | €72,517 | €32,455 | €25,100 | ▼ 22.7% |
| Cash at bank and in hand54/58 | €24,019 | €54,039 | €62,360 | - | €38,173 | €72,238 | ▲ 89.2% |
| Deferred charges and accrued income490/1 | - | - | €463 | €567 | €11,337 | €10,235 | ▼ 9.7% |
| Equity and liabilities | |||||||
| Total equity and liabilities10/49 | €32,780 | €243,465 | €272,944 | €260,314 | €259,139 | €283,039 | ▲ 9.2% |
| Equity10/15 | €24,531 | €65,562 | €116,376 | €65,562 | €77,962 | €142,156 | ▲ 82.3% |
| Contributions10/11 | €6,200 | - | €6,200 | €6,200 | €18,600 | €18,600 | = |
| Reserves13 | €18,331 | €59,362 | €110,176 | €59,362 | €59,362 | €123,556 | ▲ 108% |
| Distributable reserves133 | - | - | €110,176 | €59,362 | €59,362 | €123,556 | ▲ 108% |
| Profit (loss) carried forward14 | - | - | - | - | €0 | €0 | - |
| Amounts payable17/49 | €8,250 | €177,903 | €156,568 | €194,752 | €181,177 | €140,883 | ▼ 22.2% |
| Amounts payable after more than one year17 | - | €16,253 | €107,177 | €88,830 | €61,187 | €39,741 | ▼ 35.0% |
| Financial debts170/4 | - | - | €107,177 | €88,830 | €61,187 | €39,741 | ▼ 35.0% |
| Amounts payable within one year42/48 | €8,250 | €161,649 | €47,888 | €105,922 | €118,453 | €99,533 | ▼ 16.0% |
| Current portion of amounts payable after more than one year42 | - | - | €27,623 | €24,904 | €26,516 | €21,446 | ▼ 19.1% |
| Financial debts43 | - | - | - | €1,394 | €0 | - | - |
| Credit institutions430/8 | - | - | - | €1,394 | €0 | - | - |
| Trade debts44 | €600 | - | €684 | €2,466 | €753 | €9,984 | ▲ 13× |
| Suppliers440/4 | - | - | €684 | €2,466 | €753 | €9,984 | ▲ 13× |
| Taxes, remuneration and social security45 | - | - | €19,580 | - | €9,986 | €10,417 | ▲ 4.3% |
| Taxes450/3 | - | - | €19,580 | - | €9,986 | €10,417 | ▲ 4.3% |
| Other amounts payable47/48 | - | - | - | €77,158 | €81,198 | €57,685 | ▼ 29.0% |
| Accrued charges and deferred income492/3 | - | - | €1,503 | - | €1,537 | €1,609 | ▲ 4.7% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18,331 | €41,032 | €50,813 | €26,345 | €81,198 | €64,194 | ▼ 20.9% |
| + Depreciation and write-downs630 | €1,257 | €4,002 | €7,921 | €10,199 | €8,577 | €6,713 | ▼ 21.7% |
| Operating cash flow (approximation) | €19,588 | €45,034 | €58,735 | €36,544 | €89,775 | €70,906 | ▼ 21.0% |
| Investment in fixed assets (approximation) | - | - | €0 | -€35,166 | -€16,039 | -€7,065 | ▲ 56.0% |
| Change in cash | - | €30,019 | €8,321 | - | - | €34,065 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 26,972 companies had the same profile as Van Ongeval has now. Two years later, 94.9% were still going and 1.6% had gone bankrupt.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
94.9%
was still going
3.4%
stopped otherwise
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Van Ongeval itself: 1.8% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for Van Ongeval. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Filings with the National Bank (6)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2024 | micro format | 29-08-2025 | 2025-00480829 | |
| 31-12-2023 | micro format | 27-08-2024 | 2024-00375356 | |
| 31-12-2022 | micro format | 28-06-2023 | 2023-00166709 | |
| 31-12-2021 | micro format | 26-07-2022 | 2022-20221486 | |
| 31-12-2020 | micro format | 26-10-2021 | 2021-72700267 | |
| 31-12-2019 | micro format | 30-07-2020 | 2020-37800526 |
Board & ownership
Directors
Directors
1 director
Willem VAN ONGEVAL
Current
Director (not named in the articles) · since 13-02-2019 · term without a fixed end · listed in the 2024 annual accounts, filed on 29-08-2025
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 12-01-2022Owners and capital
Owners
Network & group
Holdings and subsidiaries
1 holdingHoldings 1
- Sourceown accounts 2024Equity €9,791 Result of €0 in 2024 (profit of €13,146 in 2023) Checked score 5450%
Connections & network
1 current directorThe network starts from the directors of Van Ongeval. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
2025
29-08
micro format · 29 days late
2024
31-12
Financial
Equity above €100,000equity €142,156 ▲82.3%
With a profit in every financial year since 2019, equity grows to €142,156.
27-08
micro format · 27 days late
2023
31-12
Financial
Highest result from 2019 to 2024net €81,198 ▲208%
The operating result of €112,905 and the net result of €81,198 are both a record.
28-06
micro format · 33 days before the deadline
2022
26-07
micro format · 5 days before the deadline
12-01
Gazette deed
Reappointment: Willem VAN ONGEVAL (director)Purpose change · Amendment of the articles · Capital conversion8 points ▸
Gazette deed
Reappointment: Willem VAN ONGEVAL (director)
Purpose change · Amendment of the articles · Capital conversion8 points ▸
- General meeting, 06-01-2022
- Purpose change
- Amendment of the articles, mentioned 2 times in the deed
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Reserve release, “opheffen en beschikbaar maken voor uitkering, statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Share issue, 186, “vergoeding voor de inbrengen” (deed in Dutch)
- Director reappointment, Willem VAN ONGEVAL (director (not named in the articles))
- Registered office clause, “2600 Berchem, Elisabethlaan 54” (deed in Dutch)
2021
31-12
Financial
Liquidity more than quadruplescurrent ratio 2.72
The current ratio rises from 0.57 to 2.72. Short-term debt falls from €161,649 to €47,888.
31-12
Financial
Equity above €100,000equity €116,376 ▲77.5%
With a profit in every financial year since 2019, equity grows to €116,376.
26-10
micro format · 87 days late
2020
30-07
micro format · 1 day before the deadline
2019
27-02
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
Van Ongeval in Dutch
Enterprise number
0720.797.003
Legal form
Private limited company
Status
Active, normale toestand
Founded
13-02-2019
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 12-01-2022 (in Dutch)Name clauseThe company operates under this name according to its articles.
Van Ongeval
deed of 12-01-2022 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest, bij enkel besluit van het bestuursorgaan administratieve zetels,agentschappen,werkhuizen,stapelplaatsen en bijkantoren…”
deed of 12-01-2022 (in Dutch)Registered office and establishments
Registered office
Elisabethlaan 54, 2600 Antwerpen, Belgium
Establishment unit
Van Ongeval, Elisabethlaan 54, 2600 Antwerpen since 13-02-2019 · unit number 2.286.368.58886210 General medical practice
Activities
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 12-01-2022 (in Dutch)
“Praktijk in de chiropractie; Ambulante revalidatietechnieken; Overige menselijke gezondheidszorg; Interieur realisaties van concept tot en…”
13 activities
- Praktijk in de chiropractie;
- Ambulante revalidatietechnieken;
- Overige menselijke gezondheidszorg;
- Interieur realisaties van concept tot en met uitvoering;
- Interieuradvies voor professionelen en particulieren;
- Grafische branding voor professionelen;
- Allround creatieve studio;
- Realisatie en verkoop van design;
- Uitvoeren van kleine renovaties;
- Het aankopen,verhuren,huren,verhuren,doen verbouwen,verkavelen van alle al dan niet bebouwde onroerende goederen in België en/of in het buitenland,alsmede het beheren en uitbaten van het eigen patrimonium van de vennootschap,en het stellen van alle handelingen die rechtstreeks of onrechtstreeks,geheel of ten dele;
- Verband houden met het bovenstaande,of daartoe nodig,nuttig of bevorderlijk zijn;
- Deelnemen aan het algemeen management en bestuur van ondernemingen als mandataris of als adviserend lid van de mandatarissen;
- Het waarnemen van alle bestuursopdrachten,het uitoefenen van mandaten en functies in andere vennootschappen.
Invoicing and payment
VAT number
BE 0720.797.003
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Second Friday of June
deed of 12-01-2022 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
148 m²
Building footprint
91 m²
Building volume
777 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11303C0200/00W002 | Flanders | 148 m² | 1 · 91 m² | 11.6 m · 4 |