CIARAFONI DEBORAH
ActiveSummary
CIARAFONI DEBORAH has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €230k and a net result of €7k. Equity is growing by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 41% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▼-14
Solvency77▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 2.06 against 2.04 in 2024; short-term debt: 47.7% and cash: 64.8% of total assets), and 47.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 · 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
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
52.3%
Return on assets
1.5%
Age of the figures
9 mo
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
1 d early
2023
8 d early
2022
3 d early
2021
9 d early
2020
4 d early
2019
2 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, micro schema
Equity
€230k▲ 2.9%
2024 · €224k
2018: €264k
2019: €138k
2020: €163k
2021: €172k
2022: €189k
2023: €199k
2024: €224k
2018 → 2025
Total assets
€440k▲ 3.6%
2024 · €425k
2018: €316k
2019: €324k
2020: €391k
2021: €416k
2022: €441k
2023: €414k
2024: €425k
2018 → 2025
Net result
€7k▼ 73.3%
2024 · €25k
2018: €61k
2019: €6k
2020: €25k
2021: €9k
2022: €23k
2023: €19k
2024: €25k
2018 → 2025
Working capital
€224k▲ 7.2%
2024 · €209k
2018: €258k
2019: €112k
2020: €125k
2021: €140k
2022: €163k
2023: €182k
2024: €209k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€172k-€189k▲ 10.0%€199k▲ 5.4%€224k▲ 12.3%€230k▲ 2.9%
Operating result€58k-€78k▲ 33.9%€83k▲ 6.6%€76k▼ 7.9%€71k▼ 7.6%
Net result€9k-€23k▲ 167%€19k▼ 15.1%€25k▲ 26.4%€7k▼ 73.3%
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 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €440k
Fixed assets
€7k ▼ 56.0%
Current assets
€434k ▲ 5.8%
Equity and liabilities €440k
Equity
€230k ▲ 2.9%
Debt
€210k ▲ 4.4%
Debt's share of the balance-sheet total rises from 47.4% to 47.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€73k▼
2024 · €91k
Cash flow
€9k▼
2024 · €39k
Current ratio
2.06▲
2024 · 2.04
Debt to equity
0.91▲
2024 · 0.90
ROE
2.9%▼
2024 · 11.0%
ROA
1.5%▼
2024 · 5.8%
Interest coverage
1.24▼
2024 · 2.32
Debt ≤ 1 year
€210k▲
2024 · €201k
Income taxes
€6k▼
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 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€425k€440k▲
Fixed assets21/28€15k€7k▼
Tangible fixed assets22/27€15k€7k▼
Furniture and vehicles24€15k€7k▼
Current assets29/58€410k€434k▲
Amounts receivable within one year40/41€80k€81k▲
Other amounts receivable41€80k€81k▲
Cash at bank and in hand54/58€254k€286k▲
Deferred charges and accrued income490/1€76k€68k▼
Equity and liabilities
Total equity and liabilities10/49€425k€440k▲
Equity10/15€224k€230k▲
Contributions10/11€93k€93k=
Reserves13€131k€138k▲
Distributable reserves133€131k€138k▲
Amounts payable17/49€201k€210k▲
Amounts payable within one year42/48€201k€210k▲
Current portion of amounts payable after more than one year42€9k-
Trade debts44€300€5k▲
Suppliers440/4€300€5k▲
Other amounts payable47/48€193k€205k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€2k▼
Other operating charges640/8€459€537▲
Gross operating margin9900€92k€73k▼
Operating profit (loss)9901€76k€71k▼
Financial income75/76B€168€797▲
Recurring financial income75€168€797▲
Financial charges65/66B€39k€59k▲
Recurring financial charges65€39k€59k▲
Profit (loss) for the period before taxes9903€37k€13k▼
Income taxes67/77€13k€6k▼
Profit (loss) for the period9904€25k€7k▼
Profit (loss) for the period to be appropriated9905€25k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€7k▼
Transfer to equity691/2€25k€7k▼
To other reserves6921€25k€7k▼
The notes to these accounts (7 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €224k ▲12.3%
7 profitable years in a row build equity to €224k.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €163k ▲18.5%
3 profitable years in a row build equity to €163k.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €6k ▼90.7%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB 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, Fleurus
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.
Avenue Général Jourdan(FL) 216220 FleurusGround area
1,507 m²
Building footprint
168 m²
Volume, LiDAR
986 m³
Parcel 52332C0387/00R000, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52332C0387/00R000 | Wallonia | 1,507 m² | 1 · 168 m² | 8.9 m · 2 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
Legal Entity Identifier
5493009T8MMIWEXS0K19
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JYP.Med.Society
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Of 16,627 companies in sector 86220 we hold annual accounts for 7,974. 6,664 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
Founded27-12-2006
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.