Dr. Hilde Vandecauter
ActiveSummary
Dr. Hilde Vandecauter has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €824k and a net result of €81k. Equity is growing by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 61% of 2331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+9
Solvency97▲+6
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 19.51 against 39.39 in 2024; short-term debt: 3% and cash: 7.4% of total assets), and 27.9% 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 →
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
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
72.1%
Return on assets
7%
Age of the figures
18 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 12-11-2025, 12 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
12 d late
2024
on the day
2023
91 d late
2022
2 d late
2021
12 d early
2020
9 d late
2019
8 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 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€824k▲ 10.8%
2024 · €743k
2019: €484k
2020: €505k
2021: €541k
2022: €656k
2023: €737k
2024: €743k
2019 → 2025
Total assets
€1.14M▲ 2.0%
2024 · €1.12M
2019: €1.42M
2020: €903k
2021: €919k
2022: €939k
2023: €953k
2024: €1.12M
2019 → 2025
Net result
€81k▲ 1,153%
2024 · €6k
2019: €21k
2020: €21k
2021: €36k
2022: €115k
2023: €81k
2024: €6k
2019 → 2025
Working capital
€624k▼ 9.9%
2024 · €693k
2019: €197k
2020: €282k
2021: €382k
2022: €533k
2023: €568k
2024: €693k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€541k-€656k▲ 21.3%€737k▲ 12.3%€743k▲ 0.9%€824k▲ 10.8%
Operating result€53k-€166k▲ 215%€113k▼ 31.5%€6k▼ 94.8%€114k▲ 1,844%
Net result€36k-€115k▲ 215%€81k▼ 29.9%€6k▼ 92.0%€81k▲ 1,153%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,844% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.14M
Fixed assets
€484k ▲ 18.4%
Current assets
€658k ▼ 7.4%
Equity and liabilities €1.14M
Equity
€824k ▲ 10.8%
Debt
€318k ▼ 15.4%
Debt's share of the balance-sheet total falls from 33.6% to 27.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€173k▲
2024 · €57k
Cash flow
€139k▲
2024 · €58k
Current ratio
19.51▼
2024 · 39.39
Debt to equity
0.39▼
2024 · 0.51
ROE
9.8%▲
2024 · 0.9%
ROA
7.0%▲
2024 · 0.6%
Interest coverage
50.90▼
2024 · 468.87
Debt ≤ 1 year
€34k▲
2024 · €18k
Income taxes
€33k▲
2024 · €2k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.12M€1.14M▲
Fixed assets21/28€409k€484k▲
Tangible fixed assets22/27€409k€484k▲
Land and buildings22€103k€214k▲
Plant, machinery and equipment23€15k€12k▼
Furniture and vehicles24€65k€53k▼
Other tangible fixed assets26€225k€205k▼
Current assets29/58€711k€658k▼
Amounts receivable within one year40/41€398k€474k▲
Trade receivables40€374k€469k▲
Other amounts receivable41€24k€5k▼
Current investments50/53€0€97k▲
Cash at bank and in hand54/58€310k€85k▼
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.12M€1.14M▲
Equity10/15€743k€824k▲
Contributions10/11€12k€12k=
Reserves13€731k€811k▲
Distributable reserves133€731k€811k▲
Amounts payable17/49€377k€318k▼
Amounts payable within one year42/48€18k€34k▲
Financial debts43€0€1k▲
Credit institutions430/8€0€1k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€0€13k▲
Taxes450/3€0€13k▲
Other amounts payable47/48€16k€16k▼
Accrued charges and deferred income492/3€358k€285k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€59k▲
Other operating charges640/8€3k€6k▲
Gross operating margin9900€60k€178k▲
Operating profit (loss)9901€6k€114k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€122€3k▲
Recurring financial charges65€122€3k▲
Profit (loss) for the period before taxes9903€8k€114k▲
Income taxes67/77€2k€33k▲
Profit (loss) for the period9904€6k€81k▲
Profit (loss) for the period to be appropriated9905€6k€81k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€81k▲
Transfer to equity691/2€6k€81k▲
To other reserves6921€6k€81k▲
The notes to these accounts (8 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
2025
12-11
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Weakest financial yearnet €6k ▼92%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
31-03
Financial
Liquidity doublescurrent ratio 39.39
Current ratio from 16.45 to 39.39; short-term debt falls from €37k to €18k.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 91 days late
2022
02-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 2 days late
31-03
Financial
Highest result since 2019net €115k ▲215%
Operating result €166k, net result €115k, both a record.
31-03
Financial
Liquidity triplescurrent ratio 9.70
Current ratio from 3.43 to 9.70; short-term debt falls from €157k to €61k.
2021
19-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 9 days late
31-03
Financial
Equity above €500kEq €505k ▲4.3%
2 profitable years in a row build equity to €505k.
2019
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
27-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Laureins · 3 establishment units since 2001
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.
Leemweg(STL) 159980 Sint-LaureinsGround area
9.3 ha
Building footprint
9,175 m²
Volume, LiDAR
98,471 m³
3 parcels, Flanders · tallest building 30.6 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
Leemweg(STL) 15, 9980 Sint-Laureins
since 20012.205.619.850
Gentse Steenweg 132, 8340 Damme
since 20012.205.620.147
Moeie 18, 9900 Eeklo
since 20012.205.620.345
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31026B0330/00E000 | Flanders | 6.9 ha | 1 · 8,164 m² | 30.6 m · 4 fl. |
| 43352E1613/00A000 | Flanders | 2.2 ha | 1 · 758 m² | 19.1 m · 4 fl. |
| 43014A0924/00D000 | Flanders | 2,137 m² | 1 · 253 m² | 15.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 16,627 companies in sector 86220 we hold annual accounts for 7,974. 5,994 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
Founded26-03-2001
Fiscal year end31-03
Activities, NACEBEL 2025
86220Specialist medical practice
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.