DR. B. DE CORDIER
ActiveDR. B. DE CORDIER has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.37M and a net result of €534k. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 87% of 2297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €300k at 30 days acceptable
Liquidity ample (current ratio 11.66 against 5.95 in 2024; short-term debt: 4.2% and cash: 15.9% of total assets), and 7.9% 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 · 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
92.1%
Return on assets
14.6%
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
on the day
2023
1 d early
2022
1 d early
2021
2 d early
2020
1 d early
2019
1 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.37M▲ 18.8%
2024 · €2.84M
2018: €893k
2019: €1.24M
2020: €1.52M
2021: €1.95M
2022: €2.43M
2023: €2.52M
2024: €2.84M
2018 → 2025
Total assets
€3.66M▲ 11.3%
2024 · €3.29M
2018: €2.39M
2019: €2.38M
2020: €2.27M
2021: €2.44M
2022: €2.93M
2023: €3.01M
2024: €3.29M
2018 → 2025
Net result
€534k▼ 0.2%
2024 · €535k
2018: €292k
2019: €345k
2020: €323k
2021: €428k
2022: €482k
2023: €496k
2024: €535k
2018 → 2025
Working capital
€1.65M▲ 30.2%
2024 · €1.27M
2018: €-701k
2019: €-375k
2020: €-80k
2021: €334k
2022: €847k
2023: €895k
2024: €1.27M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.95M-€2.43M▲ 24.8%€2.52M▲ 3.9%€2.84M▲ 12.5%€3.37M▲ 18.8%
Operating result€613k-€678k▲ 10.7%€738k▲ 8.9%€789k▲ 6.8%€782k▼ 0.9%
Net result€428k-€482k▲ 12.6%€496k▲ 2.9%€535k▲ 7.7%€534k▼ 0.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.66M
Fixed assets
€1.86M▲ 5.1%
Current assets
€1.80M▲ 18.5%
Equity and liabilities €3.66M
Equity
€3.37M▲ 18.8%
Debt
€289k▼ 36.0%
The debt ratio falls from 13.7% to 7.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€900k▼
2024 · €907k
Cash flow
€652k▼
2024 · €653k
Solvency
92.1%▲
2024 · 86.3%
Current ratio
11.66▲
2024 · 5.95
Quick ratio
11.66▲
2024 · 5.95
Debt / equity
0.09▼
2024 · 0.16
ROE
15.8%▼
2024 · 18.8%
ROA
14.6%▼
2024 · 16.3%
Interest coverage
101.52▲
2024 · 75.21
Debt
€289k▼
2024 · €452k
Debt ≤ 1 year
€155k▼
2024 · €256k
Debt > 1 year
€134k▼
2024 · €196k
Income taxes
€276k▲
2024 · €262k
Staff costs
€65k▲
2024 · €47k
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€3.29M€3.66M▲
Fixed assets21/28€1.77M€1.86M▲
Tangible fixed assets22/27€1.77M€1.86M▲
Land and buildings22€1.69M€1.60M▼
Plant, machinery and equipment23€1k€464▼
Furniture and vehicles24€71k€50k▼
Other tangible fixed assets26-€10k
Assets under construction and advance payments27-€197k
Financial fixed assets28€2k€2k=
Current assets29/58€1.52M€1.80M▲
Amounts receivable within one year40/41€191k€362k▲
Trade receivables40-€4k
Other amounts receivable41€191k€358k▲
Current investments50/53€1.25M€858k▼
Cash at bank and in hand54/58€82k€583k▲
Equity and liabilities
Total equity and liabilities10/49€3.29M€3.66M▲
Equity10/15€2.84M€3.37M▲
Contributions10/11€25k€25k=
Reserves13€2.81M€3.35M▲
Tax-exempt reserves132€463k€211k▼
Distributable reserves133€2.35M€3.14M▲
Profit (loss) carried forward14-€0
Amounts payable17/49€452k€289k▼
Amounts payable after more than one year17€196k€134k▼
Financial debts170/4€196k€134k▼
Amounts payable within one year42/48€256k€155k▼
Current portion of amounts payable after more than one year42€61k€62k▲
Financial debts43€51k€51k▼
Credit institutions430/8€51k€51k▼
Trade debts44€6k€7k▲
Suppliers440/4€6k€7k▲
Taxes, remuneration and social security45€137k€35k▼
Taxes450/3€133k€27k▼
Remuneration and social security454/9€4k€8k▲
Income statement
Code20242025
Remuneration, social security and pensions62€47k€65k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€118k€118k▼
Other operating charges640/8€8k€25k▲
Gross operating margin9900€962k€990k▲
Operating profit (loss)9901€789k€782k▼
Financial income75/76B€20k€36k▲
Recurring financial income75€20k€36k▲
Financial charges65/66B€12k€9k▼
Recurring financial charges65€12k€9k▼
Profit (loss) for the period before taxes9903€797k€810k▲
Income taxes67/77€262k€276k▲
Profit (loss) for the period9904€535k€534k▼
Transfer from tax-exempt reserves789€126k€253k▲
Profit (loss) for the period to be appropriated9905€661k€786k▲
Appropriation of the result
Profit (loss) to be appropriated9906€661k€786k▲
Transfer from equity791/2€220k€0▼
Transfer to equity691/2€661k€786k▲
To other reserves6921€661k€786k▲
Profit to be distributed694/7€220k€0▼
Return on contributions (dividend)694€220k€0▼
Social balance
Average headcount (FTE)9087-0.7
The notes to these accounts (22 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €535k ▲7.7%
Operating result €789k, net result €535k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €2MEq €2.43M ▲24.8%
5 profitable years in a row build equity to €2.43M.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity times 5current ratio 4.00
Current ratio from 0.75 to 4.00; short-term debt falls from €315k to €111k.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €1MEq €1.24M ▲38.5%
2 profitable years in a row build equity to €1.24M.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Gent · 2 establishment units since 2006
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.
Gordunakaai 189000 GentGround area
7.1 ha
Building footprint
697 m²
Volume, LiDAR
9,561 m³
2 parcels, Flanders · tallest building 20.1 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Gordunakaai 18, 9000 Gent
since 20062.229.047.924
Dr. B. De Cordier
since 20142.233.306.818
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44809I0495/00N002 | Flanders | 7.1 ha | 1 · 555 m² | 20.1 m · 5 fl. |
| 44809I0809/00L000 | Flanders | 303 m² | 1 · 142 m² | 15.5 m · 4 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 16,617 companies in sector 86220 we hold annual accounts for 7,970. 3,400 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-12-2006
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.