DOCTEUR LEONARD
ActiveDOCTEUR LEONARD has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €586k and a net result of €63k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 71% of 16459 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-4
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 4.16 against 5.71 in 2024; short-term debt: 18.2% and cash: 36.2% of total assets), and 18.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
81.8%
Return on assets
8.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 08-01-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
56 d early
2023
47 d early
2022
39 d early
2021
11 d early
2020
12 d early
2019
9 d early
← before the deadline
after the deadline →
neutral · 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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€586k▼ 0.2%
2024 · €587k
2019: €468k
2020: €400k
2021: €473k
2022: €520k
2023: €558k
2024: €587k
2019 → 2025
Total assets
€717k▲ 6.4%
2024 · €673k
2019: €580k
2020: €637k
2021: €715k
2022: €666k
2023: €681k
2024: €673k
2019 → 2025
Net result
€63k▼ 25.9%
2024 · €85k
2019: €77k
2020: €66k
2021: €112k
2022: €89k
2023: €86k
2024: €85k
2019 → 2025
Working capital
€412k▲ 2.0%
2024 · €404k
2019: €247k
2020: €185k
2021: €256k
2022: €329k
2023: €379k
2024: €404k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€473k-€520k▲ 10.0%€558k▲ 7.3%€587k▲ 5.3%€586k▼ 0.2%
Operating result€163k-€132k▼ 18.8%€127k▼ 3.9%€122k▼ 4.0%€95k▼ 22.2%
Net result€112k-€89k▼ 21.0%€86k▼ 3.3%€85k▼ 1.1%€63k▼ 25.9%
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 four years in a row; 2025 is 22% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €716k
Fixed assets
€174k▼ 4.9%
Current assets
€543k▲ 10.8%
Equity and liabilities €717k
Equity
€586k▼ 0.2%
Debt
€130k▲ 52.0%
The debt ratio rises from 12.7% to 18.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€112k▼
2024 · €135k
Cash flow
€80k▼
2024 · €98k
Solvency
81.8%▼
2024 · 87.3%
Current ratio
4.16▼
2024 · 5.71
Quick ratio
4.16▼
2024 · 5.71
Debt / equity
0.22▲
2024 · 0.15
ROE
10.7%▼
2024 · 14.4%
ROA
8.8%▼
2024 · 12.6%
Interest coverage
155.57▼
2024 · 662.39
Debt
€130k▲
2024 · €86k
Debt ≤ 1 year
€130k▲
2024 · €86k
Income taxes
€34k▼
2024 · €41k
Staff costs
€29k▲
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€673k€717k▲
Formation expenses20€565€265▼
Fixed assets21/28€183k€174k▼
Tangible fixed assets22/27€183k€174k▼
Land and buildings22€161k€155k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€17k€15k▼
Current assets29/58€490k€543k▲
Amounts receivable within one year40/41€17k€2k▼
Other amounts receivable41€17k€2k▼
Current investments50/53€325k€275k▼
Cash at bank and in hand54/58€142k€259k▲
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€673k€717k▲
Equity10/15€587k€586k▼
Contributions10/11€37k€37k=
Reserves13€544k€542k▼
Tax-exempt reserves132€5k€5k=
Distributable reserves133€539k€537k▼
Profit (loss) carried forward14€7k€8k▲
Amounts payable17/49€86k€130k▲
Amounts payable within one year42/48€86k€130k▲
Trade debts44€314€345▲
Suppliers440/4€314€345▲
Taxes, remuneration and social security45€12k€11k▼
Taxes450/3€10k€3k▼
Remuneration and social security454/9€2k€8k▲
Other amounts payable47/48€74k€119k▲
Income statement
Code20242025
Remuneration, social security and pensions62€8k€29k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€17k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€145k€143k▼
Operating profit (loss)9901€122k€95k▼
Financial income75/76B€4k€2k▼
Recurring financial income75€4k€2k▼
Financial charges65/66B€204€719▲
Recurring financial charges65€204€719▲
Profit (loss) for the period before taxes9903€125k€96k▼
Income taxes67/77€41k€34k▼
Profit (loss) for the period9904€85k€63k▼
Profit (loss) for the period to be appropriated9905€85k€63k▼
Appropriation of the result
Profit (loss) to be appropriated9906€91k€70k▼
Profit (loss) brought forward from the previous period14P€6k€7k▲
Transfer from equity791/2€55k€64k▲
Transfer to equity691/2€84k€62k▼
To other reserves6921€84k€62k▼
Profit to be distributed694/7€55k€64k▲
Return on contributions (dividend)694€55k€64k▲
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
08-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €63k ▼25.9%
Net result drops to €63k, the lowest in the series.
2024
06-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
15-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
23-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Equity above €500kEq €520k ▲10%
4 profitable years in a row build equity to €520k.
20-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €112k ▲69.3%
Operating result €163k, net result €112k, both a record.
19-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
21-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
24-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
25-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Pepinster · 1 establishment unit since 2004
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.
Rue de la Paix 114860 PepinsterGround area
1,400 m²
Building footprint
249 m²
Volume, LiDAR
1,351 m³
2 parcels, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Saunerie 9, 4800 Verviers
since 20042.319.363.436
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63022A0589/00E000 | Wallonia | 705 m² | 1 · 115 m² | 9.1 m · 1 fl. |
| 63083C0018/00S000 | Wallonia | 695 m² | 1 · 134 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,119 companies in sector 86210 we hold annual accounts for 6,336. 4,756 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-08-2004
Fiscal year end30-06
Activities, NACEBEL
86210General medical practice
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.