DOKTER COCHEZ PHILIPPE
ActiveSummary
DOKTER COCHEZ PHILIPPE has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €546k and a net result of €131k. Equity is growing by ~30.5% per year across the filed fiscal years. Its solvency ranks better than 53% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▼-11
Solvency91▼-7
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 2.88 against 4.34 in 2024; short-term debt: 28.2% and cash: 43.7% of total assets), and 33.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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
66.1%
Return on assets
15.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
3 d late
2024
29 d late
2023
203 d late
2022
42 d late
2021
3 d late
2020
62 d late
2019
14 d late
← 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
€546k▼ 8.7%
2024 · €597k
2018: €19k
2019: €112k
2020: €226k
2021: €262k
2022: €291k
2023: €476k
2024: €597k
2018 → 2025
Total assets
€825k▲ 0.9%
2024 · €818k
2018: €472k
2019: €411k
2020: €445k
2021: €568k
2022: €500k
2023: €593k
2024: €818k
2018 → 2025
Net result
€131k▼ 40.8%
2024 · €221k
2018: €150k
2019: €139k
2020: €214k
2021: €256k
2022: €28k
2023: €186k
2024: €221k
2018 → 2025
Working capital
€436k▼ 22.0%
2024 · €559k
2018: €10k
2019: €100k
2020: €203k
2021: €202k
2022: €348k
2023: €444k
2024: €559k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€262k-€291k▲ 10.9%€476k▲ 63.9%€597k▲ 25.4%€546k▼ 8.7%
Operating result€382k-€100k▼ 73.9%€349k▲ 250%€348k▼ 0.4%€236k▼ 32.1%
Net result€256k-€28k▼ 88.9%€186k▲ 553%€221k▲ 18.9%€131k▼ 40.8%
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 32% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €825k
Fixed assets
€157k ▲ 70.9%
Current assets
€669k ▼ 7.9%
Equity and liabilities €825k
Equity
€546k ▼ 8.7%
Provisions
€41k ▲ 20.1%
Debt
€239k ▲ 28.2%
Debt's share of the balance-sheet total rises from 22.8% to 28.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€250k▼
2024 · €359k
Cash flow
€145k▼
2024 · €232k
Current ratio
2.88▼
2024 · 4.34
Debt to equity
0.44▲
2024 · 0.31
ROE
24.0%▼
2024 · 37.0%
ROA
15.9%▼
2024 · 27.0%
Interest coverage
6.28▼
2024 · 11.45
Debt ≤ 1 year
€232k▲
2024 · €167k
Debt > 1 year
€6k▼
2024 · €19k
Income taxes
€75k▼
2024 · €104k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€818k€825k▲
Fixed assets21/28€92k€157k▲
Tangible fixed assets22/27€92k€157k▲
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€89k€155k▲
Financial fixed assets28€25€25=
Current assets29/58€726k€669k▼
Amounts receivable within one year40/41€323k€300k▼
Other amounts receivable41€323k€300k▼
Cash at bank and in hand54/58€394k€360k▼
Deferred charges and accrued income490/1€8k€9k▲
Equity and liabilities
Total equity and liabilities10/49€818k€825k▲
Equity10/15€597k€546k▼
Contributions10/11€6k€6k=
Reserves13€591k€539k▼
Distributable reserves133€591k€539k▼
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€34k€41k▲
Provisions for liabilities and charges160/5€34k€41k▲
Other liabilities and charges164/5€34k€41k▲
Amounts payable17/49€186k€239k▲
Amounts payable after more than one year17€19k€6k▼
Financial debts170/4€19k€6k▼
Amounts payable within one year42/48€167k€232k▲
Current portion of amounts payable after more than one year42€12k€13k▲
Financial debts43€27k€27k▼
Credit institutions430/8€27k€27k▼
Trade debts44€0€908▲
Suppliers440/4€0€908▲
Taxes, remuneration and social security45€23k€2k▼
Taxes450/3€23k€2k▼
Other amounts payable47/48€104k€190k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€14k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€4k€7k▲
Other operating charges640/8€23k€47k▲
Gross operating margin9900€386k€304k▼
Operating profit (loss)9901€348k€236k▼
Financial income75/76B€8k€10k▲
Recurring financial income75€8k€10k▲
Financial charges65/66B€31k€40k▲
Recurring financial charges65€31k€40k▲
Profit (loss) for the period before taxes9903€325k€206k▼
Income taxes67/77€104k€75k▼
Profit (loss) for the period9904€221k€131k▼
Profit (loss) for the period to be appropriated9905€221k€131k▼
Appropriation of the result
Profit (loss) to be appropriated9906€221k€131k▼
Transfer from equity791/2€100k€183k▲
Transfer to equity691/2€221k€131k▼
To other reserves6921€221k€131k▼
Profit to be distributed694/7€100k€183k▲
Return on contributions (dividend)694€100k€183k▲
The notes to these accounts (15 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
19-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 203 days late
2024
31-12
Financial
Equity above €500kEq €597k ▲25.4%
7 profitable years in a row build equity to €597k.
2023
11-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 42 days late
2022
31-12
Financial
Weakest financial yearnet €28k ▼88.9%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 5.64
Current ratio from 1.69 to 5.64; short-term debt falls from €293k to €75k.
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
31-12
Financial
Highest result since 2018net €256k ▲19.3%
Operating result €382k, net result €256k, both a record.
01-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 62 days late
2020
31-12
Financial
Equity above €200kEq €226k ▲102%
3 profitable years in a row build equity to €226k.
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
Show earlier events
2019
31-12
Financial
Equity above €100kEq €112k ▲476%
2 profitable years in a row build equity to €112k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Veurne · 1 establishment unit since 2000
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.
Hanssenslaan 638630 VeurneGround area
1,093 m²
Building footprint
235 m²
Volume, LiDAR
1,214 m³
Parcel 38025B0007/00E005, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hanssenslaan 63, 8630 Veurne
since 20002.242.731.951
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38025B0007/00E005 | Flanders | 1,093 m² | 1 · 235 m² | 6.6 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
5493004WV8HG5PHFFZ25
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MEDI-MB
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Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 4,824 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
Founded23-05-2000
Fiscal year end31-12
Activities, NACEBEL 2025
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:cochez.vandenberghe@telenet.be
Phone:0032475498894
Phone:0032475682000