VOET-LE DILY
ActiveVOET-LE DILY has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €328k and a net result of €51k. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 39% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+5
Solvency75▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.44 against 4.47 in 2024; short-term debt: 12% and cash: 0% of total assets), but 50.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
49.8%
Return on assets
7.8%
Age of the figures
9 mo
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 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
18 d late
2023
34 d early
2022
47 d early
2021
4 d early
2020
4 d early
2019
2 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€201k
EBIT margin
32.9%
Net result
€51k▲ 86.1%
2024 · €28k
2018: €-29k
2019: €32k
2020: €47k
2021: €46k
2022: €24k
2023: €25k
2024: €28k
2018 → 2025
Working capital
€192k▲ 8.2%
2024 · €178k
2018: €55k
2019: €80k
2020: €120k
2021: €153k
2022: €143k
2023: €167k
2024: €178k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€201k
Equity€224k-€247k▲ 10.6%€273k▲ 10.3%€300k▲ 10.1%€328k▲ 9.2%
Operating result€70k-€71k▲ 0.8%€66k▼ 7.0%€49k▼ 25.3%€78k▲ 57.8%
Net result€46k-€24k▼ 48.4%€25k▲ 6.9%€28k▲ 8.5%€51k▲ 86.1%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 58% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €659k
Fixed assets
€388k▼ 3.3%
Current assets
€271k▲ 18.5%
Equity and liabilities €659k
Equity
€328k▲ 9.2%
Debt
€331k▲ 0.4%
The debt ratio falls from 52.3% to 50.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€98k▲
2024 · €69k
Cash flow
€71k▲
2024 · €47k
Solvency
49.8%▲
2024 · 47.7%
Current ratio
3.44▼
2024 · 4.47
Quick ratio
3.44▼
2024 · 4.47
Debt / equity
1.01▼
2024 · 1.10
ROE
15.6%▲
2024 · 9.2%
ROA
7.8%▲
2024 · 4.4%
Interest coverage
9.30▲
2024 · 5.88
Debt
€331k▲
2024 · €330k
Debt ≤ 1 year
€79k▲
2024 · €51k
Debt > 1 year
€252k▼
2024 · €278k
Income taxes
€22k▲
2024 · €15k
Staff costs
€6k▲
2024 · €5k
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€630k€659k▲
Fixed assets21/28€401k€388k▼
Tangible fixed assets22/27€401k€388k▼
Land and buildings22€382k€373k▼
Plant, machinery and equipment23€12k€8k▼
Furniture and vehicles24€7k€6k▼
Current assets29/58€229k€271k▲
Amounts receivable within one year40/41€223k€270k▲
Trade receivables40€48k€71k▲
Other amounts receivable41€176k€199k▲
Cash at bank and in hand54/58€5k€0▼
Deferred charges and accrued income490/1€639€674▲
Equity and liabilities
Total equity and liabilities10/49€630k€659k▲
Equity10/15€300k€328k▲
Contributions10/11€6k€6k=
Reserves13€78k€105k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€77k€103k▲
Profit (loss) carried forward14€216k€217k▲
Amounts payable17/49€330k€331k▲
Amounts payable after more than one year17€278k€252k▼
Financial debts170/4€278k€252k▼
Amounts payable within one year42/48€51k€79k▲
Current portion of amounts payable after more than one year42€46k€46k▲
Financial debts43-€2k
Credit institutions430/8-€2k
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€2k€6k▲
Taxes450/3€2k€6k▲
Remuneration and social security454/9-€0
Other amounts payable47/48-€22k
Income statement
Code20242025
Remuneration, social security and pensions62€5k€6k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€20k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€75k€105k▲
Operating profit (loss)9901€49k€78k▲
Financial income75/76B€5k€6k▲
Recurring financial income75€5k€6k▲
Financial charges65/66B€12k€11k▼
Recurring financial charges65€12k€11k▼
Profit (loss) for the period before taxes9903€42k€73k▲
Income taxes67/77€15k€22k▲
Profit (loss) for the period9904€28k€51k▲
Profit (loss) for the period to be appropriated9905€28k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€243k€267k▲
Profit (loss) brought forward from the previous period14P€216k€216k=
Transfer from equity791/2-€24k
Transfer to equity691/2€28k€50k▲
To other reserves6921€28k€50k▲
Profit to be distributed694/7-€24k
Return on contributions (dividend)694-€24k
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €51k ▲86.1%
Operating result €78k, net result €51k, both a record.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €200kEq €224k ▲25.9%
3 profitable years in a row build equity to €224k.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €150kEq €178k ▲35.9%
2 profitable years in a row build equity to €178k.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
31-12
Financial
Equity above €100kEq €131k ▲32.4%
Equity rises from €99k to €131k.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Tournai · 1 establishment unit since 2011
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 du Moulin de Calonne(BL) 287522 TournaiGround area
808 m²
Building footprint
119 m²
Volume, LiDAR
676 m³
Parcel 57008D0386/00X002, Wallonia · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VANESSA VOET SC
since 20112.195.147.513
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57008D0386/00X002indicative | Wallonia | 808 m² | 1 · 119 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Adelheid De Rouck
BE 0446.802.091
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VERBA
BE 0455.525.856
Lokeren · Eq €325k
PAUL BEYENS
BE 0830.898.832
Wommelgem · Eq €330k
Kinepraktijk Rafaël Boon
BE 0809.044.633
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DOKTER GUIDO VYNCKE
BE 0466.775.678
Rotselaar · Eq €331k
Of 12,689 companies in sector 86951 we hold annual accounts for 2,142. 1,359 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-12-2010
Fiscal year end31-12
Activities, NACEBEL
86905Human health activities
86951Physiotherapy
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.