B & G DOCTORS ASSOCIATES
ActiveSummary
B & G DOCTORS ASSOCIATES has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.29M and a net result of €822k. Equity is growing by ~20.9% per year across the filed fiscal years. Its solvency ranks better than 80% of 2331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €220k at 30 days acceptable
Liquidity ample (current ratio 7.72 against 5.89 in 2024; short-term debt: 10.9% and cash: 31.7% of total assets), and 13% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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
87%
Return on assets
31.2%
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
20 d early
2023
34 d early
2022
54 d early
2021
19 d early
2020
22 d early
2019
27 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.29M▲ 17.1%
2024 · €1.96M
2018: €409k
2019: €606k
2020: €847k
2021: €1.09M
2022: €1.36M
2023: €1.52M
2024: €1.96M
2018 → 2025
Total assets
€2.63M▲ 12.3%
2024 · €2.34M
2018: €980k
2019: €1.17M
2020: €1.38M
2021: €1.53M
2022: €1.85M
2023: €2.13M
2024: €2.34M
2018 → 2025
Net result
€822k▲ 30.1%
2024 · €632k
2018: €216k
2019: €197k
2020: €241k
2021: €246k
2022: €383k
2023: €456k
2024: €632k
2018 → 2025
Working capital
€1.93M▲ 25.8%
2024 · €1.54M
2018: €296k
2019: €475k
2020: €686k
2021: €863k
2022: €1.11M
2023: €1.26M
2024: €1.54M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.09M-€1.36M▲ 24.2%€1.52M▲ 12.2%€1.96M▲ 28.5%€2.29M▲ 17.1%
Operating result€345k-€568k▲ 64.3%€681k▲ 20.0%€899k▲ 32.0%€1.12M▲ 24.5%
Net result€246k-€383k▲ 55.9%€456k▲ 18.9%€632k▲ 38.6%€822k▲ 30.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 24% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.63M
Fixed assets
€412k ▼ 16.5%
Current assets
€2.22M ▲ 20.0%
Equity and liabilities €2.63M
Equity
€2.29M ▲ 17.1%
Debt
€341k ▼ 12.0%
Debt's share of the balance-sheet total falls from 16.5% to 13.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.20M▲
2024 · €991k
Cash flow
€903k▲
2024 · €724k
Current ratio
7.72▲
2024 · 5.89
Debt to equity
0.15▼
2024 · 0.20
ROE
35.9%▲
2024 · 32.3%
ROA
31.2%▲
2024 · 26.9%
Interest coverage
146.13▲
2024 · 90.56
Debt ≤ 1 year
€288k▼
2024 · €314k
Debt > 1 year
€54k▼
2024 · €74k
Income taxes
€381k▲
2024 · €293k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.34M€2.63M▲
Fixed assets21/28€493k€412k▼
Intangible fixed assets21€5k€0▼
Tangible fixed assets22/27€488k€412k▼
Land and buildings22€265k€235k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€71k€40k▼
Leasing and similar rights25€146k€131k▼
Other tangible fixed assets26€5k€5k=
Current assets29/58€1.85M€2.22M▲
Amounts receivable after more than one year29€276k€296k▲
Other amounts receivable291€276k€296k▲
Amounts receivable within one year40/41€174k€134k▼
Trade receivables40€135k€134k▼
Other amounts receivable41€39k€0▼
Current investments50/53€991k€929k▼
Cash at bank and in hand54/58€384k€834k▲
Deferred charges and accrued income490/1€27k€29k▲
Equity and liabilities
Total equity and liabilities10/49€2.34M€2.63M▲
Equity10/15€1.96M€2.29M▲
Reserves13€1.96M€2.29M▲
Distributable reserves133€1.96M€2.29M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€388k€341k▼
Amounts payable after more than one year17€74k€54k▼
Financial debts170/4€74k€54k▼
Amounts payable within one year42/48€314k€288k▼
Current portion of amounts payable after more than one year42€20k€20k=
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€92k€246k▲
Taxes450/3€92k€246k▲
Other amounts payable47/48€197k€19k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€92k€81k▼
Other operating charges640/8€4k€8k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€995k€1.21M▲
Operating profit (loss)9901€899k€1.12M▲
Financial income75/76B€37k€93k▲
Recurring financial income75€18k€21k▲
Non-recurring financial income76B€18k€71k▲
Financial charges65/66B€11k€8k▼
Recurring financial charges65€11k€8k▼
Profit (loss) for the period before taxes9903€924k€1.20M▲
Income taxes67/77€293k€381k▲
Profit (loss) for the period9904€632k€822k▲
Profit (loss) for the period to be appropriated9905€632k€822k▲
Appropriation of the result
Profit (loss) to be appropriated9906€632k€822k▲
Transfer from equity791/2€197k€486k▲
Transfer to equity691/2€632k€822k▲
To other reserves6921€632k€822k▲
Profit to be distributed694/7€197k€486k▲
Return on contributions (dividend)694€197k€486k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (16 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
14-09
State Gazette act
General meeting · Director reappointment
Permanent representative · Director resignation
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €822k ▲30.1%
Operating result €1.12M, net result €822k, both a record.
31-12
Financial
Equity above €2MEq €2.29M ▲17.1%
8 profitable years in a row build equity to €2.29M.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
11-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €1MEq €1.09M ▲29%
4 profitable years in a row build equity to €1.09M.
08-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €197k ▼8.6%
Net result drops to €197k, the lowest in the series; recovery starts the following year.
Show earlier events
30-09
Financial
Equity above €500kEq €606k ▲48.2%
2 profitable years in a row build equity to €606k.
12-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Oosterzele · 1 establishment unit since 2009
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.
Kwaadbeek 649860 OosterzeleGround area
3,600 m²
Building footprint
225 m²
Volume, LiDAR
528 m³
Parcel 44052A0075/00F000, Flanders · tallest building 6.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
B & G DOCTORS ASSOCIATES
since 20092.182.534.642
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44052A0075/00F000 | Flanders | 3,600 m² | 1 · 225 m² | 6.3 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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
4 locations
Recognitions · licences · registrations
Legal Entity Identifier
549300JFW26KV6J2QE74
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Of 698 companies in sector 86910 we hold annual accounts for 520. 347 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-11-2009
Fiscal year end31-12
Activities, NACEBEL 2025
86910Medical imaging and medical laboratories
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.