Active BE 0643.475.729Private limited company

Dr. Demaeght Guy

Eindhoutseweg 32 ·2440 Geel, Belgium· 10 yrs active

Sector: General medical practice (86210)

Conclusion Checked

Dr. Demaeght Guy has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €57k and a net result of €2k. Equity is growing by ~33% per year across the filed fiscal years. Its solvency ranks better than 44% of 16012 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	€57k
Net result	€2k
Better than sector	44%
Active	10 yrs

Financial profile 5 of 5 axes measured · computed by Checked

75 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 86

Profitability 15

Solvency 97

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.1% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2015, 10 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 Flags0 events

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 FY 2025 · computed

86 / 100 Excellent

050100

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

€5k

estimate, not credit advice

Score history

33 2021

76 2022

100 2023

100 2024

86 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 2.37 (≥ 1.5) +10

Quick ratio Quick ratio 2.37 (≥ 1.0) +5

Leverage Debt/equity 0.78 (< 1.0) +10

Profitability ROE 3% +3

Interest coverage Interest coverage 11.4× (≥ 3×) +8

Profit trend Net profit down YoY -3

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 18-08-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~33%/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 (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	56.1%	63.4%	better than 44% of 16012 sector peers
Net result	€2k	€62k	better than 10% of 16004 sector peers
Equity	€57k	€132k	better than 33% of 16015 sector peers
Gross operating margin	€20k	€116k	better than 11% of 16015 sector peers
Total assets	€102k	€286k	better than 21% of 16020 sector peers

EBITDA

€19k

-58.8% 21-25

Net profit

€2k

-91.5% 21-25

Cash flow

€16k

-53.0% 21-25

Total assets

€102k

-7.2% 21-25

Equity

€57k

+3.1% 21-25

Working capital

€33k

+30.5% 21-25

Income taxes

€2k

-84.1% 21-25

Debt

€45k

-17.7% 21-25

Debt ≤ 1y

€24k

-5.2% 21-25

Debt > 1y

€21k

-28.5% 21-25

Current ratio

2.37

+18.8% 21-25

Quick ratio

2.37

+18.8% 21-25

Solvency

56.1%

+11.1% 21-25

Debt / equity

0.78

-20.2% 21-25

ROE

3.0%

-91.8% 21-25

ROA

1.7%

-90.9% 21-25

Interest coverage

11.37

-60.3% 21-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	micro schema	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-	-
EBITDA	€19k	€47k	€26k	€28k	€10k
Net profit	€2k	€20k	€14k	€6k	€-10k
Cash flow	€16k	€34k	€21k	€27k	€10k
Staff costs	-	-	-	-	-
Income taxes	€2k	€11k	€5k	€730	€180
Dividends	-	-	-	-	-
Total assets	€102k	€110k	€50k	€38k	€60k
Equity	€57k	€55k	€35k	€21k	€15k
Debt	€45k	€54k	€15k	€17k	€44k
of which ≤ 1y	€24k	€25k	€15k	€17k	€41k
of which > 1y	€21k	€29k	-	-	€4k
Working capital	€33k	€25k	€14k	€-5k	€-23k
Employees (FTE)	-	-	-	-	-

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	2.37	1.99	1.94	0.68	0.44
Quick ratio	2.37	1.99	1.94	0.68	0.44
Working capital ratio	31.9%	22.7%	27.9%	-13.9%	-38.3%
Solvency	56.1%	50.5%	70.4%	55.8%	25.6%
Debt / equity	0.78	0.98	0.42	0.79	2.91
Long-term debt ratio	0.37	0.53	-	-	0.23
Interest coverage	11.37	28.63	130.79	119.40	27.39
Gross margin	-	-	-	-	-
Net margin	-	-	-	-	-
ROA	1.7%	18.7%	27.5%	15.9%	-16.9%
ROE	3.0%	36.9%	39.0%	28.4%	-66.2%
EBITDA margin	-	-	-	-	-
Days sales outstanding	-	-	-	-	-
Days payable outstanding	-	-	-	-	-
Inventory turnover	-	-	-	-	-
Days inventory (DSI)	-	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €46k · 44.7% Current assets €56k · 55.3%

Equity & liabilities

Equity €57k · 56.2% Debt €45k · 43.9%

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	€102k	€110k	€50k	€38k	€60k
Fixed assets	21/28	€46k	€60k	€21k	€27k	€42k
Intangible fixed assets	21	-	€2k	€7k	€11k	€16k
Tangible fixed assets	22/27	€46k	€58k	€14k	€15k	€26k
Current assets	29/58	€56k	€50k	€29k	€12k	€18k
Amounts receivable within one year	40/41	€2k	€3k	€1k	€7k	-
Cash & bank	54/58	€53k	€46k	€27k	€5k	€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€102k	€110k	€50k	€38k	€60k
Equity	10/15	€57k	€55k	€35k	€21k	€15k
Contributions / capital	10/11	€15k	€15k	€15k	€15k	€15k
Reserves	13	€42k	€40k	€20k	€6k	€694
Accumulated profits (losses)	14	-	-	-	-	€-431
Amounts payable	17/49	€45k	€54k	€15k	€17k	€44k
Amounts payable after one year	17	€21k	€29k	-	-	€4k
Amounts payable within one year	42/48	€24k	€25k	€15k	€17k	€41k
Trade debts payable within one year	44	€2k	€1k	€1k	€2k	€21
Income statement
Gross operating margin	9900	€20k	€47k	€26k	€28k	€11k
Operating result	9901	€5k	€33k	€18k	€7k	€-10k
Financial income	75	€168	€175	€1	€3	€1
Financial charges	65	€2k	€2k	€195	€230	€382
Result before taxes	9903	€4k	€32k	€18k	€7k	€-10k
Income taxes	67/77	€2k	€11k	€5k	€730	€180
Net result for the period	9904	€2k	€20k	€14k	€6k	€-10k
Result to be appropriated	9905	€2k	€20k	€14k	€6k	€-10k

Legal Structure

NACE primary	General medical practice(86210)
Legal form	Private limited company(610)
Incorporation	19-11-2015
Status	Active
Postal code	2440

Establishment units 1 location

Dr. Demaeght Guy

Eindhoutseweg 32, 2440 GeelGeneral medical practice

since 20152.251.540.541

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13375N0298/00V000	Flanders	397 m²	1 · 111 m²	10.3 m · 3 fl.

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 11 events

All 14Financial 3Gazette 1Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

18-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 18 days late

2025

28-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 28 days late

2024

31-12

Financial Highest result since 2021net €20k ▲50.2%

Operating result €33k, net result €20k, both a record.

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

31-12

Financial Liquidity triplescurrent ratio 1.94

Current ratio from 0.68 to 1.94; short-term debt falls from €17k to €15k.

21-11

State Gazette act Capital & shares

Caroline Jacobs

11-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Back to profitnet €6k

Net result €6k after one loss-making year.

26-10

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 87 days late

2021

19-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 19 days late

2020

10-11

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 102 days late

2019

08-10

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 69 days late

2018

27-09

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 58 days late

2017

31-08

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema · 31 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

Capital history · 1

21-11-2023

Capital change

All acts · 1 updated 2 years ago

2023

21-11-2023 Transaction in capital or shares Capital & shares·Caroline Jacobs

Notary: Caroline Jacobs · Laakdal

Original publication ↗

Technical details

{
  "events": [],
  "notary": {
    "name": "Caroline Jacobs",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Laakdal",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2023-11-21",
    "filing_date": "2023-11-17",
    "act_kind_objet": "WIJZIGING RECHTSVORM, STATUTEN (VERTALING, COORDINATIE, OVERIGE WIJZIGINGEN), DOEL, ONTSLAGEN, BENOEMINGEN, KAPITAAL, AANDELEN"
  },
  "decision": {
    "body": "enig_aandeelhouder_schriftelijk",
    "act_date": "2023-11-10",
    "unanimous": null,
    "under_authorized_capital": false,
    "underlying_resolution_date": null
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0643.475.729",
    "name_full": "Dr. Demaeght Guy",
    "legal_form": "BV",
    "is_foreign_registered": false
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": null,
    "org_name": "Van Havermaet",
    "person_name": null,
    "org_rep_person_name": "Dagmar Willems",
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "shareholders_after": [],
  "share_classes_after": []
}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

General medical practice86210

Names & trade names

Legal nameNL

Dr. Demaeght Guy

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