Derm-AFL
ActiveSummary
Derm-AFL has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €121k and a net result of €56k. Equity is shrinking by ~14% per year across the filed fiscal years. Its solvency ranks better than 56% of 19908 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+9
Solvency98▲+24
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.91 against 1.48 in 2023; short-term debt: 27.4% and cash: 77.1% of total assets), and 27.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
1 d early
2023
61 d late
2022
30 d late
2021
39 d late
2020
51 d late
2019
328 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€198k
EBIT margin
11.2%
Net result
€56k▲ 60.1%
2023 · €35k
2018: €15k
2020: €-27k
2021: €8k
2022: €30k
2023: €35k
2018 → 2024
Working capital
€88k▲ 77.8%
2023 · €49k
2018: €199k
2020: €227k
2021: €147k
2022: €82k
2023: €49k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€248k-€173k▼ 30.2%€151k▼ 13.1%€99k▼ 34.1%€121k▲ 21.9%
Operating result€-26k-€13k€38k▲ 203%€51k▲ 31.6%€81k▲ 59.2%
Net result€-27k-€8k€30k▲ 277%€35k▲ 17.5%€56k▲ 60.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 59% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €167k
Fixed assets
€33k ▼ 33.1%
Current assets
€133k ▼ 11.7%
Equity and liabilities €167k
Equity
€121k ▲ 21.9%
Debt
€46k ▼ 55.0%
Debt's share of the balance-sheet total falls from 50.6% to 27.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€97k▲
2023 · €69k
Cash flow
€73k▲
2023 · €54k
Current ratio
2.91▲
2023 · 1.48
Debt to equity
0.38▼
2023 · 1.03
ROE
46.4%▲
2023 · 35.3%
ROA
33.7%▲
2023 · 17.4%
Interest coverage
18.33▼
2023 · 1129.09
Debt ≤ 1 year
€46k▼
2023 · €102k
Income taxes
€22k▲
2023 · €16k
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 · 2024 against 2023 · 43 lines
Balance sheet
Code20232024
Assets
Total assets20/58€201k€167k▼
Fixed assets21/28€50k€33k▼
Tangible fixed assets22/27€50k€33k▼
Plant, machinery and equipment23€16k€12k▼
Furniture and vehicles24€34k€21k▼
Current assets29/58€151k€133k▼
Amounts receivable within one year40/41€38k€1k▼
Trade receivables40-€1k
Other amounts receivable41€38k-
Cash at bank and in hand54/58€109k€129k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€201k€167k▼
Equity10/15€99k€121k▲
Contributions10/11€19k€19k=
Reserves13€81k€102k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€79k€101k▲
Amounts payable17/49€102k€46k▼
Amounts payable within one year42/48€102k€46k▼
Trade debts44€478€1k▲
Suppliers440/4€478€1k▲
Taxes, remuneration and social security45€15k€7k▼
Taxes450/3€15k€7k▼
Other amounts payable47/48€86k€38k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€17k▼
Other operating charges640/8€909€1k▲
Gross operating margin9900€70k€98k▲
Operating profit (loss)9901€51k€81k▲
Financial income75/76B€550€3k▲
Recurring financial income75€550€3k▲
Financial charges65/66B€62€5k▲
Recurring financial charges65€62€5k▲
Profit (loss) for the period before taxes9903€51k€78k▲
Income taxes67/77€16k€22k▲
Profit (loss) for the period9904€35k€56k▲
Profit (loss) for the period to be appropriated9905€35k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€35k€56k▲
Transfer from equity791/2€86k€34k▼
Transfer to equity691/2€35k€56k▲
To other reserves6921€35k€56k▲
Profit to be distributed694/7€86k€34k▼
Return on contributions (dividend)694€86k€34k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €56k ▲60.1%
Operating result €81k, net result €56k, both a record.
31-12
Financial
Equity above €100kEq €121k ▲21.9%
4 profitable years in a row build equity to €121k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
08-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 39 days late
2021
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
20-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 51 days late
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 328 days late
2020
31-12
Financial
Weakest financial yearnet €-27k ▼275%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
15-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 46 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Lambrechts-Woluwe · 1 establishment unit since 2012
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.
Eveninglaan 581200 Sint-Lambrechts-WoluweGround area
208 m²
Building footprint
73 m²
Volume, LiDAR
756 m³
Parcel 21673D0101/00K012, Brussels · tallest building 13.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Eveninglaan 58, 1200 Sint-Lambrechts-Woluwe
since 20122.208.432.355
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21673D0101/00K012 | Brussels | 208 m² | 1 · 73 m² | 13.9 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.
Similar companies · same sector, comparable size
DR. CURTIS
BE 0806.308.837
Lummen · Eq €120,910
CABINET MEDICAL DOCTEUR MYRESSIOTIS
BE 0811.838.926
Marche-en-Famenne · Eq €120,909
Dr. Pieter Luyten
BE 0849.074.256
Zwevegem · Eq €120,900
MDK-anesthésie-réanimation
BE 0652.646.682
Chaumont-Gistoux · Eq €120,868
DOKTER T. PILATE
BE 0754.955.948
Putte · Eq €121,200
Of 16,627 companies in sector 86220 we hold annual accounts for 7,974. 6,551 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
Founded08-03-2012
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.