Dokter SCHUMMER
ActiveDokter SCHUMMER has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €679k and a net result of €80k. Equity is growing by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 81% of 16012 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▲+11
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 6.06 against 4.09 in 2024), and 11.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
88.9%
Return on assets
10.4%
Age of the figures
8 mo
raises risk · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
43 d early
2023
30 d early
2022
22 d early
2021
27 d early
2020
46 d early
2019
45 d early
← before the deadline
after the deadline →
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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€679k▲ 13.3%
2024 · €599k
2021: €305k
2022: €456k
2023: €616k
2024: €599k
2021 → 2025
Total assets
€764k▲ 8.4%
2024 · €704k
2021: €699k
2022: €719k
2023: €768k
2024: €704k
2021 → 2025
Net result
€80k▲ 36.9%
2024 · €58k
2021: €160k
2022: €151k
2023: €160k
2024: €58k
2021 → 2025
Working capital
€429k▲ 31.9%
2024 · €325k
2021: €-9k
2022: €111k
2023: €323k
2024: €325k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€305k-€456k▲ 49.7%€616k▲ 35.1%€599k▼ 2.7%€679k▲ 13.3%
Operating result€224k-€215k▼ 4.0%€235k▲ 9.5%€86k▼ 63.4%€107k▲ 24.4%
Net result€160k-€151k▼ 5.3%€160k▲ 5.7%€58k▼ 63.7%€80k▲ 36.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 24% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €764k
Fixed assets
€250k▼ 8.8%
Current assets
€513k▲ 19.4%
Equity and liabilities €764k
Equity
€679k▲ 13.3%
Debt
€85k▼ 19.4%
The debt ratio falls from 14.9% to 11.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€150k▲
2024 · €125k
Cash flow
€123k▲
2024 · €97k
Solvency
88.9%▲
2024 · 85.1%
Current ratio
6.06▲
2024 · 4.09
Quick ratio
6.06▲
2024 · 4.09
Debt / equity
0.12▼
2024 · 0.18
ROE
11.7%▲
2024 · 9.7%
ROA
10.4%▲
2024 · 8.3%
Interest coverage
19.64▲
2024 · 15.08
Debt
€85k▼
2024 · €105k
Debt ≤ 1 year
€85k▼
2024 · €105k
Income taxes
€38k▲
2024 · €31k
Staff costs
€40k▲
2024 · €39k
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
Total assets
20/58€704k€764k▲
Fixed assets
21/28€274k€250k▼
Tangible fixed assets
22/27€237k€213k▼
Financial fixed assets
28€37k€37k=
Current assets
29/58€430k€513k▲
Amounts receivable within one year
40/41€261k€347k▲
Investments
50/53€145k€115k▼
Cash & bank
54/58€9k€47k▲
Total equity & liabilities
10/49€704k€764k▲
Equity
10/15€599k€679k▲
Contributions / capital
10/11€19k€19k=
Reserves
13€572k€651k▲
Accumulated profits (losses)
14€9k€9k=
Amounts payable
17/49€105k€85k▼
Amounts payable after one year
17€0-
Amounts payable within one year
42/48€105k€85k▼
Trade debts payable within one year
44€4k€6k▲
Income statement
Code20242025
Gross operating margin
9900€170k€195k▲
Operating result
9901€86k€107k▲
Financial income
75€12k€18k▲
Financial charges
65€8k€8k▼
Result before taxes
9903€90k€117k▲
Income taxes
67/77€31k€38k▲
Net result for the period
9904€58k€80k▲
Result to be appropriated
9905€58k€80k▲
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
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €58k ▼63.7%
Net result drops to €58k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €160k ▲5.7%
Operating result €235k, net result €160k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.19
Current ratio from 1.46 to 3.19; short-term debt falls from €243k to €148k.
31-12
Financial
Equity above €500kEq €616k ▲35.1%
3 profitable years in a row build equity to €616k.
20-12
State Gazette act
Statutes amendment
De vennootschap heeft tot voorwerp de uitoefening van de geneeskunde door de arts-vennoot in naam en voor rekening van de vennootschap, met inachtneming van de regels van de geneeskundige plichtenleer… · Thierry Arnauts
09-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 6 acts read
About the unread acts
Of the 6 Belgian State Gazette acts we know for this company, 1 has been read. The other 5 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
Dermatoloog Raes
BE 0848.730.105
Hoogstraten · Eq €679k
DOKTER DAVID VANWYNSBERGHE, OPHTALMOLOOG
BE 0832.144.390
Gent · Eq €679k
NAID
BE 0471.881.541
Mouscron · Eq €678k
DR. DE CUYPER EVA
BE 0822.147.452
Genk · Eq €680k
ENDOCRINE UNIT
BE 0478.931.263
Oudergem · Eq €680k
Of 16,586 companies in sector 86220 we hold annual accounts for 7,915. 6,143 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-07-1991
Fiscal year end31-12
Activities, NACEBEL
85120
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 11-08-2026. Scores and ratios are computed by Checked and are not a credit decision.