DR KATRIEN BAGGERMAN
ActiveDR KATRIEN BAGGERMAN has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €306k and a net result of €94k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 66% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▲+1
Solvency100▲+10
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 7.2 against 3.75 in 2024; short-term debt: 11.3% and cash: 37.1% of total assets), and 22.2% 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○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
77.8%
Return on assets
23.9%
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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €306k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
28 d late
2023
30 d late
2022
28 d late
2021
26 d late
2020
31 d late
2019
31 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€306k▲ 44.3%
2024 · €212k
2018: €257k
2019: €192k
2020: €211k
2021: €155k
2022: €138k
2023: €162k
2024: €212k
2018 → 2025
Total assets
€393k▲ 19.8%
2024 · €328k
2018: €335k
2019: €281k
2020: €277k
2021: €239k
2022: €226k
2023: €288k
2024: €328k
2018 → 2025
Net result
€94k▲ 20.7%
2024 · €78k
2018: €36k
2019: €21k
2020: €19k
2021: €23k
2022: €13k
2023: €66k
2024: €78k
2018 → 2025
Working capital
€274k▲ 59.1%
2024 · €172k
2018: €237k
2019: €218k
2020: €216k
2021: €163k
2022: €139k
2023: €116k
2024: €172k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€155k-€138k▼ 11.3%€162k▲ 17.3%€212k▲ 30.8%€306k▲ 44.3%
Operating result€32k-€19k▼ 39.3%€93k▲ 388%€80k▼ 14.4%€88k▲ 10.4%
Net result€23k-€13k▼ 42.8%€66k▲ 407%€78k▲ 17.8%€94k▲ 20.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 10% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €393k
Fixed assets
€75k▼ 19.8%
Current assets
€318k▲ 35.6%
Equity and liabilities €393k
Equity
€306k▲ 44.3%
Debt
€87k▼ 24.9%
The debt ratio falls from 35.4% to 22.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€109k▲
2024 · €101k
Cash flow
€114k▲
2024 · €99k
Solvency
77.8%▲
2024 · 64.6%
Current ratio
7.20▲
2024 · 3.75
Quick ratio
7.20▲
2024 · 3.75
Debt / equity
0.29▼
2024 · 0.55
ROE
30.7%▼
2024 · 36.7%
ROA
23.9%▲
2024 · 23.7%
Interest coverage
51.90▲
2024 · 39.18
Debt
€87k▼
2024 · €116k
Debt ≤ 1 year
€44k▼
2024 · €63k
Debt > 1 year
€43k▼
2024 · €54k
Income taxes
€40k▲
2024 · €31k
Staff costs
€3k▲
2024 · €2k
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€328k€393k▲
Fixed assets21/28€93k€75k▼
Tangible fixed assets22/27€93k€75k▼
Land and buildings22€30k€28k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€61k€45k▼
Current assets29/58€235k€318k▲
Amounts receivable after more than one year29€31k€25k▼
Other amounts receivable291€31k€25k▼
Amounts receivable within one year40/41€7k€7k▲
Trade receivables40€20€3k▲
Other amounts receivable41€7k€4k▼
Current investments50/53€132k€120k▼
Cash at bank and in hand54/58€48k€146k▲
Deferred charges and accrued income490/1€16k€21k▲
Equity and liabilities
Total equity and liabilities10/49€328k€393k▲
Equity10/15€212k€306k▲
Contributions10/11€12k€12k=
Reserves13€199k€293k▲
Non-distributable reserves130/1€747-
Reserves not available under the articles1311€747-
Distributable reserves133€199k€293k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€116k€87k▼
Amounts payable after more than one year17€54k€43k▼
Financial debts170/4€45k€31k▼
Other amounts payable178/9€9k€12k▲
Amounts payable within one year42/48€63k€44k▼
Current portion of amounts payable after more than one year42€14k€14k▲
Trade debts44€3k€9k▲
Suppliers440/4€3k€9k▲
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3-€3k
Remuneration and social security454/9€2k€1k▼
Other amounts payable47/48€45k€17k▼
Income statement
Code20242025
Non-recurring operating income76A€37-
Remuneration, social security and pensions62€2k€3k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€20k▼
Other operating charges640/8€148€638▲
Non-recurring operating charges66A€0-
Gross operating margin9900€103k€112k▲
Operating profit (loss)9901€80k€88k▲
Financial income75/76B€32k€48k▲
Recurring financial income75€32k€48k▲
Non-recurring financial income76B-€0
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Non-recurring financial charges66B-€0
Profit (loss) for the period before taxes9903€109k€134k▲
Income taxes67/77€31k€40k▲
Profit (loss) for the period9904€78k€94k▲
Profit (loss) for the period to be appropriated9905€78k€94k▲
Appropriation of the result
Profit (loss) to be appropriated9906€78k€94k▲
Transfer from equity791/2€28k€0▼
Transfer to equity691/2€78k€94k▲
To other reserves6921€78k€94k▲
Profit to be distributed694/7€28k€0▼
Return on contributions (dividend)694€28k€0▼
The notes to these accounts (12 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Highest result since 2018net €94k ▲20.7%
Net result €94k, the highest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Equity above €200kEq €212k ▲30.8%
7 profitable years in a row build equity to €212k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €150kEq €162k ▲17.3%
6 profitable years in a row build equity to €162k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €13k ▼42.8%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €200kEq €211k ▲9.9%
3 profitable years in a row build equity to €211k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
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, Keerbergen · 1 establishment unit since 2009
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.
Rijmenamsebaan 2f3140 KeerbergenGround area
3,126 m²
Building footprint
162 m²
Volume, LiDAR
763 m³
Parcel 24048B0650/00K000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rijmenamsebaan 2f, 3140 Keerbergen
since 20092.328.552.997
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24048B0650/00K000 | Flanders | 3,126 m² | 1 · 162 m² | 6.5 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.
Similar companies · same sector, comparable size
DR.DAVID LEROUGE
BE 0824.061.916
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Dr. Frédéric Guffens
BE 0785.943.884
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MA GYNECO
BE 0761.340.924
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DE FLINES-PLOMTEUX MEDICAL
BE 0848.028.933
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Of 16,628 companies in sector 86220 we hold annual accounts for 7,974. 6,656 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2009
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.