Croc-Odile · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Croc-Odile is 0.1% (very low). The 2025 annual accounts show equity of €687k and a net result of €159k. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 72% of 94 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-05-2026, 77 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	15-05-2026	77 d early	2026-00111506
31-12-2024	31-07-2025	17-06-2025	44 d early	2025-00156802
31-12-2023	31-07-2024	21-05-2024	71 d early	2024-00091368
31-12-2022	31-07-2023	09-06-2023	52 d early	2023-00115796
31-12-2021	31-07-2022	14-06-2022	47 d early	2022-20060824
31-12-2020	31-07-2021	17-08-2021	17 d late	2021-48900356
31-12-2019	31-07-2020	03-07-2020	28 d early	2020-25100229
31-12-2018	31-07-2019	04-07-2019	27 d early	2019-27900437
31-12-2017	31-07-2018	22-06-2018	39 d early	2018-21900069
31-12-2016	31-07-2017	13-06-2017	48 d early	2017-17300225

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Established

Founded in 2008, 17 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.1% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Annual accounts: healthy financial profile −Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€159k+174.0%

Working capital€243k+53.6%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 15-05-2026 with the NBB · fiscal year 2025 · volledig

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~15.2%/year over 8 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 86, Human health · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	67.1%	41.6%	better than 72% of 94 sector peers
Net result	€159k	€49k	better than 80% of 94 sector peers
Equity	€687k	€90k	better than 86% of 94 sector peers
Gross operating margin	€457k	€150k	better than 72% of 94 sector peers
Staff costs	€153k	€288k	higher than 37% of 40 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P72

Improving position over 2020-2025 · n=78-255

Net result P80

Stable position over 2020-2025 · n=78-254

Equity P86

Improving position over 2020-2025 · n=78-255

Gross operating margin P72

Improving position over 2020-2025 · n=75-250

Describes the position versus peers, not a forecast.

EBITDA

€299k

+52.7% 18-25

Net profit

€159k

+174.0% 18-25

Cash flow

€188k

+72.7% 18-25

Total assets

€1.02M

+10.3% 18-25

Equity

€687k

+30.2% 18-25

Working capital

€243k

+53.6% 18-25

Employees (FTE)

2

0.0% 18-25

Staff costs

€153k

+0.1% 18-25

Income taxes

€71k

+198.0% 18-25

Dividends

€800

- 18-25

Debt

€334k

-12.3% 18-25

Debt ≤ 1y

€124k

-14.2% 18-25

Debt > 1y

€210k

-11.2% 18-25

Current ratio

2.97

+41.4% 18-25

Quick ratio

2.97

+41.4% 18-25

Solvency

67.1%

+18.1% 18-25

Debt / equity

0.49

-32.7% 18-25

ROE

23.2%

+110.4% 18-25

ROA

15.6%

+148.4% 18-25

Interest coverage

5.61

+80.9% 18-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	volledig
Revenue	-
EBITDA	€299k
Net profit	€159k
Cash flow	€188k
Staff costs	€153k
Income taxes	€71k
Dividends	-
Total assets	€1.02M
Equity	€687k
Debt	€334k
of which ≤ 1y	€124k
of which > 1y	€210k
Working capital	€243k
Employees (FTE)	2.0

Ratios (computed)

	2025
Current ratio	2.97
Quick ratio	2.97
Working capital ratio	23.8%
Solvency	67.1%
Debt / equity	0.49
Long-term debt ratio	0.31
Interest coverage	5.61
Gross margin	-
Net margin	-
ROA	15.6%
ROE	23.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €657k · 64.2% Current assets €367k · 35.9%

Equity & liabilities

Equity €687k · 67.1% Provisions €3k · 0.3% Debt €334k · 32.6%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.02M
Fixed assets	21/28	€657k
Intangible fixed assets	21	€619
Tangible fixed assets	22/27	€656k
Current assets	29/58	€367k
Investments	50/53	€253k
Cash & bank	54/58	€108k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.02M
Equity	10/15	€687k
Contributions / capital	10/11	€19k
Reserves	13	€220k
Accumulated profits (losses)	14	€449k
Provisions & deferred taxes	16	€3k
Amounts payable	17/49	€334k
Amounts payable after one year	17	€210k
Amounts payable within one year	42/48	€124k
Trade debts payable within one year	44	€10k
Income statement
Gross operating margin	9900	€457k
Operating result	9901	€270k
Financial income	75	€13k
Financial charges	65	€53k
Result before taxes	9903	€230k
Income taxes	67/77	€71k
Net result for the period	9904	€159k
Result to be appropriated	9905	€159k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

100 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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 Gevaert 1831332 Rixensart

Establishment units

1 location

croc-odile

Avenue Gevaert 183, 1332 RixensartActiviteiten van tandartspraktijken

since 20082.228.770.087

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area980 m²

Buildings1

Building footprint168 m²

Volume (LiDAR)911 m³

Tallest building8.4 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25033B0039/00D000	Wallonia	980 m²	1 · 168 m²	8.4 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

All acts · 1 updated 5 years ago

2021

31-05-2021 Publication in the Belgian Official Gazette, Minor change Minor change·Gaëtan Lemaire

Summary: Statutes changeNotary: Gaëtan Lemaire · NivellesFirm: François NOE & Gaëtan LEMAIRE, Notaires associés

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

90 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100

Profitability 100

Solvency 100

Growth 52

Stability 100

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