Vétérinaire Aurélie Declercq
ActiveVétérinaire Aurélie Declercq has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4k and a net result of €19k. Equity is shrinking by ~25.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 6% of 1272 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+6
Solvency28=
Growth32=
Track record94
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Eight 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 75
Relative position
BE, all sectors
reference
Sector 75
lower
← 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
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
2.6%
Return on assets
11.9%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 6% of 1272 sector peers (2025).
NBB · sector comparisonPosition among 1272 sector peers
Solvency
better than 6%
← weakest
strongest →
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 27-03-2026, 34 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
34 d early
2024
28 d early
2023
11 d early
2022
26 d early
2021
31 d early
← before the deadline
after the deadline →
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
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€4k▼ 7.6%
2024 · €4k
2021: €35k
2022: €48k
2023: €55k
2024: €4k
2021 → 2025
Total assets
€161k▼ 9.5%
2024 · €177k
2021: €172k
2022: €181k
2023: €166k
2024: €177k
2021 → 2025
Net result
€19k▲ 47.6%
2024 · €13k
2021: €31k
2022: €13k
2023: €7k
2024: €13k
2021 → 2025
Working capital
€-36k▲ 9.4%
2024 · €-40k
2021: €-53k
2022: €4k
2023: €13k
2024: €-40k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€35k-€48k▲ 38.7%€55k▲ 13.7%€4k▼ 91.8%€4k▼ 7.6%
Operating result€37k-€19k▼ 48.8%€12k▼ 35.9%€22k▲ 83.6%€30k▲ 35.8%
Net result€31k-€13k▼ 56.2%€7k▼ 50.9%€13k▲ 97.6%€19k▲ 47.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 36% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €161k
Fixed assets
€96k▼ 17.6%
Current assets
€64k▲ 6.2%
Equity and liabilities €161k
Equity
€4k▼ 7.6%
Debt
€156k▼ 9.5%
The debt ratio falls from 97.5% to 97.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€51k▲
2024 · €43k
Cash flow
€40k▲
2024 · €33k
Solvency
2.6%▲
2024 · 2.5%
Current ratio
0.64▲
2024 · 0.60
Quick ratio
0.47▲
2024 · 0.43
Debt / equity
37.64▼
2024 · 38.45
ROE
461.3%▲
2024 · 288.9%
ROA
11.9%▲
2024 · 7.3%
Interest coverage
17.15▲
2024 · 12.46
Debt
€156k▼
2024 · €173k
Debt ≤ 1 year
€101k=
2024 · €101k
Debt > 1 year
€56k▼
2024 · €72k
Income taxes
€8k▲
2024 · €6k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€177k€161k▼
Fixed assets21/28€117k€96k▼
Intangible fixed assets21€58k€49k▼
Tangible fixed assets22/27€59k€48k▼
Land and buildings22€38k€32k▼
Furniture and vehicles24€21k€16k▼
Current assets29/58€61k€64k▲
Stocks and contracts in progress3€18k€17k▼
Stocks30/36€18k€17k▼
Amounts receivable within one year40/41€2k€6k▲
Trade receivables40€2k€5k▲
Other amounts receivable41€155€1k▲
Cash at bank and in hand54/58€41k€41k▲
Deferred charges and accrued income490/1€65€200▲
Equity and liabilities
Total equity and liabilities10/49€177k€161k▼
Equity10/15€4k€4k▼
Contributions10/11€4k€4k=
Profit (loss) carried forward14€493€153▼
Amounts payable17/49€173k€156k▼
Amounts payable after more than one year17€72k€56k▼
Financial debts170/4€72k€56k▼
Amounts payable within one year42/48€101k€101k=
Current portion of amounts payable after more than one year42€16k€16k▲
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Other amounts payable47/48€78k€75k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€21k▲
Other operating charges640/8€1k€797▼
Gross operating margin9900€44k€52k▲
Operating profit (loss)9901€22k€30k▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€19k€27k▲
Income taxes67/77€6k€8k▲
Profit (loss) for the period9904€13k€19k▲
Profit (loss) for the period to be appropriated9905€13k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€63k€20k▼
Profit (loss) brought forward from the previous period14P€51k€493▼
Profit to be distributed694/7€63k€20k▼
Return on contributions (dividend)694€63k€20k▼
The notes to these accounts (8 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
27-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €7k ▼50.9%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
04-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity triplescurrent ratio 1.09
Current ratio from 0.40 to 1.09; short-term debt falls from €88k to €51k.
30-03
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Genappe · 1 establishment unit since 2021
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 Charleroi 57/11470 GenappeGround area
65 m²
Building footprint
58 m²
Volume, LiDAR
636 m³
Parcel 25031A0546/00M000, Wallonia · tallest building 12.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Vétérinaire Aurélie Declercq
since 20212.312.709.731
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25031A0546/00M000 | Wallonia | 65 m² | 1 · 58 m² | 12.9 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGenappe2.312.709.731
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Of 6,078 companies in sector 75000 we hold annual accounts for 1,950. 503 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-01-2021
Fiscal year end30-09
Activities, NACEBEL
75000Veterinary services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.