Dr. Geubels Charlotte
ActiveSummary
Dr. Geubels Charlotte has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67k and a net result of €47k. Equity is growing by ~160.8% per year across the filed fiscal years. Its solvency ranks better than 71% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+1
Growth78=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 4.99 against 3.23 in 2024; short-term debt: 18.5% and cash: 90.8% of total assets), and 18.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
81.5%
Return on assets
57.5%
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 06-03-2026, 147 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
147 d early
2024
42 d early
2023
44 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€67k▲ 240%
2024 · €20k
2023: €4k
2024: €20k
2023 → 2025
Total assets
€82k▲ 209%
2024 · €27k
2023: €11k
2024: €27k
2023 → 2025
Net result
€47k▲ 194%
2024 · €16k
2023: €4k
2024: €16k
2023 → 2025
Working capital
€61k▲ 297%
2024 · €15k
2023: €4k
2024: €15k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€4k-€20k▲ 445%€67k▲ 240%
Operating result€5k-€21k▲ 339%€60k▲ 190%
Net result€4k-€16k▲ 357%€47k▲ 194%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 190% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €82k
Fixed assets
€6k ▲ 42.2%
Current assets
€76k ▲ 243%
Equity and liabilities €82k
Equity
€67k ▲ 240%
Debt
€15k ▲ 122%
Debt's share of the balance-sheet total falls from 25.8% to 18.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€62k▲
2024 · €21k
Cash flow
€49k▲
2024 · €16k
Current ratio
4.99▲
2024 · 3.23
Debt to equity
0.23▼
2024 · 0.35
ROE
70.6%▼
2024 · 81.6%
ROA
57.5%▼
2024 · 60.5%
Interest coverage
206.57▲
2024 · 173.86
Debt ≤ 1 year
€15k▲
2024 · €7k
Income taxes
€12k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 32 lines
Balance sheet
Code20242025
Assets
Total assets20/58€27k€82k▲
Fixed assets21/28€4k€6k▲
Tangible fixed assets22/27€4k€6k▲
Plant, machinery and equipment23€4k€6k▲
Current assets29/58€22k€76k▲
Cash at bank and in hand54/58€22k€75k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€27k€82k▲
Equity10/15€20k€67k▲
Contributions10/11€100€100=
Reserves13€20k€67k▲
Distributable reserves133€20k€67k▲
Amounts payable17/49€7k€15k▲
Amounts payable within one year42/48€7k€15k▲
Trade debts44€899€1k▲
Suppliers440/4€899€1k▲
Taxes, remuneration and social security45€4k€12k▲
Taxes450/3€4k€12k▲
Other amounts payable47/48€2k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€308€2k▲
Other operating charges640/8€118€120▲
Gross operating margin9900€21k€62k▲
Operating profit (loss)9901€21k€60k▲
Financial charges65/66B€121€298▲
Recurring financial charges65€121€298▲
Profit (loss) for the period before taxes9903€21k€60k▲
Income taxes67/77€4k€12k▲
Profit (loss) for the period9904€16k€47k▲
Profit (loss) for the period to be appropriated9905€16k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€47k▲
Transfer to equity691/2€16k€47k▲
To other reserves6921€16k€47k▲
The notes to these accounts (5 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
06-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €47k ▲194%
Operating result €60k, net result €47k, both a record.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 3.23
Current ratio from 1.50 to 3.23; short-term debt falls from €7k to €7k.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Schilde · 1 establishment unit since 2023
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.
Wijnegemsteenweg 39E2970 SchildeGround area
1,201 m²
Building footprint
319 m²
Volume, LiDAR
1,950 m³
2 parcels, Flanders · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Dr. Geubels Charlotte
since 20232.346.226.201
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041C0018/00L000 | Flanders | 692 m² | 1 · 150 m² | 9.5 m · 3 fl. |
| 11041C0010/00R000 | Flanders | 509 m² | 1 · 169 m² | 8.0 m · 1 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.
Similar companies · same sector, comparable size
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Dr. Geys Michèle
BE 0768.519.122
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DR. HELENA DEVUE
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DELVAMED
BE 0783.821.564
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Dr Claeys Caroline
BE 0767.886.642
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Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 4,916 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-06-2023
Fiscal year end31-12
Activities, NACEBEL 2025
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.