Dierenarts Devos · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Dierenarts Devos is 0.1% (very low). The 2025 annual accounts show equity of €188k and a net result of €79k. Equity is growing by ~28.6% per year across the filed fiscal years. Its solvency ranks better than 53% of 144 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

1 signal · with evidence

Consistently profitable

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

View the result 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 30-06-2025 was due by 31-01-2026 and was filed on 22-12-2025, 40 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 30-06. 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 30-06-2025, that is 31-01-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	22-12-2025	40 d early	2025-00590457
30-06-2024	31-01-2025	27-01-2025	4 d early	2025-00010602
30-06-2023	31-01-2024	02-01-2024	29 d early	2024-00540977
30-06-2022	31-01-2023	24-01-2023	7 d early	2023-00002424

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

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

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 −Young company +Annual accounts: healthy financial profile −

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€79k-1.8%

Working capital€37k-51.5%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 22-12-2025 with the NBB · fiscal year 2025 · micro

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 ~28.6%/year over 4 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 75 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	52.2%	49.4%	better than 53% of 144 sector peers
Net result	€79k	€32k	better than 81% of 144 sector peers
Equity	€188k	€68k	better than 82% of 144 sector peers
Gross operating margin	€179k	€68k	better than 90% of 144 sector peers
Staff costs	€30k	€23k	higher than 70% of 37 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 P53

Stable position over 2022-2025 · n=144-556

Net result P81

Weakening position over 2022-2025 · n=144-556

Equity P82

Stable position over 2022-2025 · n=144-556

Gross operating margin P90

Stable position over 2022-2025 · n=144-556

Describes the position versus peers, not a forecast.

EBITDA

€148k

+9.0% 22-25

Net profit

€79k

-1.8% 22-25

Cash flow

€124k

+9.6% 22-25

Total assets

€360k

-7.2% 22-25

Equity

€188k

-30.0% 22-25

Working capital

€37k

-51.5% 22-25

Employees (FTE)

1

0.0% 22-25

Staff costs

€30k

+11.3% 22-25

Show 11 other metrics

Income taxes

€24k

+5.7% 22-25

Dividends

€159k

- 22-25

Debt

€172k

+43.8% 22-25

Debt ≤ 1y

€172k

+43.8% 22-25

Current ratio

1.22

-25.8% 22-25

Quick ratio

1.05

-27.6% 22-25

Solvency

52.2%

-24.5% 22-25

Debt / equity

0.91

+105.4% 22-25

ROE

42.0%

+40.2% 22-25

ROA

22.0%

+5.8% 22-25

Interest coverage

762.16

-21.0% 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€148k
Net profit	€79k
Cash flow	€124k
Staff costs	€30k
Income taxes	€24k
Dividends	€159k
Total assets	€360k
Equity	€188k
Debt	€172k
of which ≤ 1y	€172k
of which > 1y	-
Working capital	€37k
Employees (FTE)	1.0

Ratios (computed)

	2025
Current ratio	1.22
Quick ratio	1.05
Working capital ratio	10.3%
Solvency	52.2%
Debt / equity	0.91
Long-term debt ratio	-
Interest coverage	762.16
Gross margin	-
Net margin	-
ROA	22.0%
ROE	42.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €151k · 41.9% Current assets €209k · 58.1%

Equity & liabilities

Equity €188k · 52.2% Debt €172k · 47.8%

Full annual accounts (24 line items)

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

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€360k
Fixed assets	21/28	€151k
Intangible fixed assets	21	€30k
Tangible fixed assets	22/27	€121k
Current assets	29/58	€209k
Stocks & contracts in progress	3	€28k
Amounts receivable within one year	40/41	€10k
Investments	50/53	€80k
Cash & bank	54/58	€91k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€360k
Equity	10/15	€188k
Contributions / capital	10/11	€5k
Reserves	13	€183k
Amounts payable	17/49	€172k
Amounts payable within one year	42/48	€172k
Trade debts payable within one year	44	€5k
Income statement
Gross operating margin	9900	€179k
Operating result	9901	€103k
Financial income	75	€479
Financial charges	65	€194
Result before taxes	9903	€103k
Income taxes	67/77	€24k
Net result for the period	9904	€79k
Result to be appropriated	9905	€79k

This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

85 / 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.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

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.

Izegemsestraat 748860 Lendelede

Establishment units

1 location

Dierenarts Devos

Izegemsestraat 74, 8860 LendeledeVeterinaire diensten

since 20212.318.122.034

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

Parcels1

Ground area869 m²

Buildings1

Building footprint293 m²

Volume (LiDAR)1,315 m³

Tallest building9.4 m · ±1 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.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
34025B0439/00F002	Flanders	869 m²	1 · 293 m²	9.4 m · 1 fl.

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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.