Checked.be
Active
BE 0843.967.504Private limited company
DR. ABRAMOVA
Daalstraat(E) 17 ·3630 Maasmechelen, Belgium· 14 yrs active
Sector: General medical practice
(86210)
Conclusion
DR. ABRAMOVA has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €464k and a net result of €81k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 64% of 2244 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €464k |
| Net result | €81k |
| Staff (FTE) | 1.4 |
| Better than sector | 64% |
Financial profile
86
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
90
Profitability
87
Solvency
100
Growth
52
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2012, 14 years in business.
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.
Checked score
90
/ 100
Excellent
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.
Indicative credit limit
€40k
estimate, not credit advice
Score history
93
2021
93
2022
93
2023
100
2024
90
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 4.38 (≥ 1.5)
+10
Quick ratio
Quick ratio 4.38 (≥ 1.0)
+5
Leverage
Debt/equity 0.34 (< 1.0)
+10
Profitability
ROE 17% (≥ 10%)
+10
Interest coverage
Interest coverage 57.5× (≥ 3×)
+8
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 15-07-2026 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~5.2%/year over 5 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 86, Human health activities · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 74.6% | 59.8% | |
| Net result | €81k | €121k | |
| Equity | €464k | €395k | |
| Gross operating margin | €197k | €301k | |
| Staff costs | €56k | €111k |
€139k
-22.5%
21-25
€81k
-16.8%
21-25
€114k
-22.7%
21-25
€622k
+2.0%
21-25
€464k
-2.4%
21-25
€448k
+1.8%
21-25
1
+16.7%
21-25
€56k
+5.3%
21-25
€32k
-18.8%
21-25
€92k
+47.6%
21-25
€158k
+17.8%
21-25
€132k
+37.1%
21-25
€26k
-32.0%
21-25
4.38
-21.2%
21-25
4.38
-21.2%
21-25
74.6%
-4.4%
21-25
0.34
+20.7%
21-25
17.4%
-14.7%
21-25
13.0%
-18.5%
21-25
57.47
-13.7%
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema |
| Revenue | - | - | - | - | - |
| EBITDA | €139k | €180k | €123k | €128k | €277k |
| Net profit | €81k | €97k | €53k | €57k | €164k |
| Cash flow | €114k | €147k | €102k | €102k | €206k |
| Staff costs | €56k | €53k | €44k | €42k | €38k |
| Income taxes | €32k | €40k | €21k | €22k | €67k |
| Dividends | €92k | €62k | €44k | - | - |
| Total assets | €622k | €610k | €558k | €531k | €504k |
| Equity | €464k | €476k | €441k | €432k | €375k |
| Debt | €158k | €134k | €117k | €99k | €129k |
| of which ≤ 1y | €132k | €97k | €68k | €39k | €58k |
| of which > 1y | €26k | €38k | €49k | €60k | €71k |
| Working capital | €448k | €440k | €367k | €341k | €253k |
| Employees (FTE) | 1.4 | 1.2 | 1.0 | 1.0 | 1.0 |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 4.38 | 5.56 | 6.42 | 9.80 | 5.35 |
| Quick ratio | 4.38 | 5.56 | 6.42 | 9.80 | 5.35 |
| Working capital ratio | 72.0% | 72.2% | 65.8% | 64.2% | 50.2% |
| Solvency | 74.6% | 78.0% | 79.1% | 81.4% | 74.4% |
| Debt / equity | 0.34 | 0.28 | 0.26 | 0.23 | 0.34 |
| Long-term debt ratio | 0.06 | 0.08 | 0.11 | 0.14 | 0.19 |
| Interest coverage | 57.47 | 66.62 | 41.18 | 37.54 | 72.54 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 13.0% | 15.9% | 9.5% | 10.7% | 32.6% |
| ROE | 17.4% | 20.4% | 12.0% | 13.2% | 43.8% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €622k | €610k | €558k | €531k | €504k |
| Fixed assets | 21/28 | €41k | €73k | €123k | €151k | €193k |
| Formation expenses | 20 | €0 | €0 | €0 | - | - |
| Tangible fixed assets | 22/27 | €41k | €73k | €123k | €151k | €193k |
| Current assets | 29/58 | €580k | €537k | €435k | €380k | €311k |
| Amounts receivable within one year | 40/41 | €14k | €5k | €5k | €3k | €392 |
| Investments | 50/53 | €450k | €420k | €150k | - | - |
| Cash & bank | 54/58 | €71k | €64k | €220k | €341k | €273k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €622k | €610k | €558k | €531k | €504k |
| Equity | 10/15 | €464k | €476k | €441k | €432k | €375k |
| Contributions / capital | 10/11 | €12k | €12k | €12k | €12k | €12k |
| Reserves | 13 | €452k | €463k | €429k | €420k | €363k |
| Amounts payable | 17/49 | €158k | €134k | €117k | €99k | €129k |
| Amounts payable after one year | 17 | €26k | €38k | €49k | €60k | €71k |
| Amounts payable within one year | 42/48 | €132k | €97k | €68k | €39k | €58k |
| Trade debts payable within one year | 44 | €6k | €5k | €5k | €7k | €10k |
| Income statement | ||||||
| Gross operating margin | 9900 | €197k | €235k | €173k | €172k | €326k |
| Operating result | 9901 | €106k | €130k | €74k | €82k | €235k |
| Financial income | 75 | €9k | €10k | €3k | - | €51 |
| Financial charges | 65 | €2k | €3k | €3k | €3k | €4k |
| Result before taxes | 9903 | €113k | €137k | €73k | €79k | €231k |
| Income taxes | 67/77 | €32k | €40k | €21k | €22k | €67k |
| Net result for the period | 9904 | €81k | €97k | €53k | €57k | €164k |
| Result to be appropriated | 9905 | €81k | €97k | €53k | €57k | €164k |
Legal Structure
| NACE primary | General medical practice(86210) |
| Legal form | Private limited company(610) |
| Incorporation | 16-02-2012 |
| Status | Active |
| Postal code | 3630 |
Establishment units
Huisartsenpraktijk Ter Daele
since 20122.207.244.106
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73013B1225/00M002 | Flanders | 2,625 m² | 1 · 287 m² | 2.7 m |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €53k ▼7.2%
Net result drops to €53k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
General medical practice86210Human health activities86901Medical imaging and medical laboratories86910
Names & trade names
| Legal nameNL | DR. ABRAMOVA |
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