Dokter Joseph FABRY
ActiveSummary
Dokter Joseph FABRY has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.77M and a net result of €132k. Equity is growing by ~12.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-4
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €230k at 30 days acceptable
Liquidity ample (current ratio 91.79 against 32.91 in 2024; short-term debt: 1% and cash: 1.3% of total assets), and 1.1% 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 · 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
98.9%
Return on assets
4.7%
Age of the figures
9 mo
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
9 d early
2023
14 d late
2022
42 d early
2021
2 d early
2020
26 d early
2019
60 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
€2.77M▲ 5.0%
2024 · €2.64M
2018: €1.08M
2019: €1.34M
2020: €1.61M
2021: €1.89M
2022: €2.14M
2023: €2.41M
2024: €2.64M
2018 → 2025
Total assets
€2.80M▲ 3.0%
2024 · €2.72M
2018: €1.15M
2019: €1.41M
2020: €1.64M
2021: €1.90M
2022: €2.21M
2023: €2.46M
2024: €2.72M
2018 → 2025
Net result
€132k▼ 43.3%
2024 · €232k
2018: €243k
2019: €266k
2020: €263k
2021: €278k
2022: €255k
2023: €267k
2024: €232k
2018 → 2025
Working capital
€2.67M▲ 5.6%
2024 · €2.53M
2018: €897k
2019: €1.14M
2020: €1.42M
2021: €1.72M
2022: €2.00M
2023: €2.28M
2024: €2.53M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.89M-€2.14M▲ 13.5%€2.41M▲ 12.5%€2.64M▲ 9.6%€2.77M▲ 5.0%
Operating result€391k-€353k▼ 9.8%€340k▼ 3.6%€362k▲ 6.5%€138k▼ 61.8%
Net result€278k-€255k▼ 8.2%€267k▲ 4.7%€232k▼ 13.2%€132k▼ 43.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 62% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.80M
Fixed assets
€103k ▼ 8.5%
Current assets
€2.70M ▲ 3.5%
Equity and liabilities €2.80M
Equity
€2.77M ▲ 5.0%
Debt
€30k ▼ 62.5%
Debt's share of the balance-sheet total falls from 2.9% to 1.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€148k▼
2024 · €377k
Cash flow
€141k▼
2024 · €247k
Current ratio
91.79▲
2024 · 32.91
Debt to equity
0.01▼
2024 · 0.03
ROE
4.7%▼
2024 · 8.8%
ROA
4.7%▼
2024 · 8.5%
Interest coverage
31.74▼
2024 · 135.90
Debt ≤ 1 year
€29k▼
2024 · €79k
Income taxes
€79k▼
2024 · €183k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.72M€2.80M▲
Fixed assets21/28€113k€103k▼
Tangible fixed assets22/27€113k€103k▼
Land and buildings22€104k€95k▼
Plant, machinery and equipment23€9k€8k▼
Current assets29/58€2.61M€2.70M▲
Amounts receivable after more than one year29€585k€624k▲
Trade receivables290€585k€624k▲
Amounts receivable within one year40/41€68k€82k▲
Trade receivables40€6k-
Other amounts receivable41€62k€82k▲
Current investments50/53€1.73M€1.95M▲
Cash at bank and in hand54/58€222k€36k▼
Deferred charges and accrued income490/1€5k€5k▼
Equity and liabilities
Total equity and liabilities10/49€2.72M€2.80M▲
Equity10/15€2.64M€2.77M▲
Contributions10/11€78k€78k=
Reserves13€2.56M€2.69M▲
Tax-exempt reserves132€550k€428k▼
Distributable reserves133€2.01M€2.27M▲
Amounts payable17/49€79k€30k▼
Amounts payable within one year42/48€79k€29k▼
Trade debts44-€554
Suppliers440/4-€554
Taxes, remuneration and social security45€79k€29k▼
Taxes450/3€79k€29k▼
Accrued charges and deferred income492/3-€305
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€10k▼
Other operating charges640/8€5k€4k▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€383k€154k▼
Operating profit (loss)9901€362k€138k▼
Financial income75/76B€56k€77k▲
Recurring financial income75€56k€77k▲
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€415k€211k▼
Income taxes67/77€183k€79k▼
Profit (loss) for the period9904€232k€132k▼
Transfer from tax-exempt reserves789€408k€189k▼
Transfer to tax-exempt reserves689€196k€67k▼
Profit (loss) for the period to be appropriated9905€444k€254k▼
Appropriation of the result
Profit (loss) to be appropriated9906€444k€254k▼
Transfer to equity691/2€444k€254k▼
To other reserves6921€444k€254k▼
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €132k ▼43.3%
Net result drops to €132k, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 91.79
Current ratio from 32.91 to 91.79; short-term debt falls from €79k to €29k.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €2MEq €2.14M ▲13.5%
5 profitable years in a row build equity to €2.14M.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €278k ▲5.6%
Operating result €391k, net result €278k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 108.58
Current ratio from 46.28 to 108.58; short-term debt falls from €31k to €16k.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 46.28
Current ratio from 19.15 to 46.28; short-term debt falls from €63k to €31k.
Show earlier events
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Maasmechelen · 1 establishment unit since 2009
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.
Europaplein(E) 33630 MaasmechelenGround area
2,056 m²
Building footprint
170 m²
Volume, LiDAR
1,605 m³
Parcel 73013D0489/00A000, Flanders · tallest building 15.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Dokter Joseph FABRY
since 20092.229.194.216
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73013D0489/00A000 | Flanders | 2,056 m² | 1 · 170 m² | 15.9 m · 3 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
254900V31YQT2UMEZ175
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Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 2,352 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
Founded26-10-2009
Fiscal year end31-12
Activities, NACEBEL 2025
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.