Dr. Elise Vandersichel
ActiveDr. Elise Vandersichel has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €17k. Its solvency ranks better than 25% of 16424 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency55
Growth-
Track record67
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.47; short-term debt: 22.2% and cash: 11.5% of total assets), but 70.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
29.6%
Return on assets
30.2%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
1 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€16k
Total assets
€55k
Net result
€17k
Working capital
€18k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €55k
Fixed assets
€25k
Current assets
€30k
Equity and liabilities €55k
Equity
€16k
Debt
€39k
Debt finances 70.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€32k
Cash flow
€26k
Solvency
29.6%
Current ratio
2.47
Quick ratio
2.47
Debt / equity
2.38
ROE
102.0%
ROA
30.2%
Interest coverage
217.85
Debt
€39k
Debt ≤ 1 year
€12k
Debt > 1 year
€27k
Income taxes
€6k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€55k
Fixed assets21/28€25k
Tangible fixed assets22/27€25k
Land and buildings22€25k
Furniture and vehicles24€227
Current assets29/58€30k
Amounts receivable within one year40/41€23k
Trade receivables40€23k
Cash at bank and in hand54/58€6k
Deferred charges and accrued income490/1€1k
Equity and liabilities
Total equity and liabilities10/49€55k
Equity10/15€16k
Contributions10/11€100
Reserves13€16k
Distributable reserves133€16k
Profit (loss) carried forward14€0
Amounts payable17/49€39k
Amounts payable after more than one year17€27k
Financial debts170/4€27k
Amounts payable within one year42/48€12k
Trade debts44€3k
Suppliers440/4€3k
Taxes, remuneration and social security45€8k
Taxes450/3€8k
Other amounts payable47/48€1k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k
Gross operating margin9900€32k
Operating profit (loss)9901€23k
Financial charges65/66B€145
Recurring financial charges65€145
Profit (loss) for the period before taxes9903€23k
Income taxes67/77€6k
Profit (loss) for the period9904€17k
Profit (loss) for the period to be appropriated9905€17k
Appropriation of the result
Profit (loss) to be appropriated9906€17k
Transfer to equity691/2€16k
To other reserves6921€16k
Profit to be distributed694/7€423
Return on contributions (dividend)694€423
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Gent · 1 establishment unit since 2025
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.
Flamingostraat 439000 GentGround area
254 m²
Building footprint
119 m²
Volume, LiDAR
729 m³
Parcel 44809I0589/00V002, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dr. Elise Vandersichel
since 20252.370.607.249
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44809I0589/00V002 | Flanders | 254 m² | 1 · 119 m² | 10.9 m · 2 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.
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NEUWELS
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ArthroS
BE 1012.576.664
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Dr. YB
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Of 16,621 companies in sector 86220 we hold annual accounts for 7,972. 2,820 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-01-2025
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.