Dr. Pascale Deryckere
ActiveSummary
Dr. Pascale Deryckere has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €484k and a net result of €56k. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 41% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76=
Solvency77▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.24 against 1.62 in 2024; short-term debt: 7.8% and cash: 14.1% of total assets), and 47.6% 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○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
52.4%
Return on assets
6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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
18 d late
2024
26 d late
2023
28 d late
2022
28 d late
2021
31 d late
2020
30 d late
2019
1 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
€484k▲ 13.0%
2024 · €428k
2018: €323k
2019: €369k
2020: €417k
2021: €409k
2022: €422k
2023: €418k
2024: €428k
2018 → 2025
Total assets
€924k▼ 3.4%
2024 · €957k
2018: €329k
2019: €484k
2020: €619k
2021: €1.03M
2022: €1.10M
2023: €1.04M
2024: €957k
2018 → 2025
Net result
€56k▲ 0.1%
2024 · €56k
2018: €80k
2019: €46k
2020: €48k
2021: €71k
2022: €94k
2023: €77k
2024: €56k
2018 → 2025
Working capital
€90k▲ 37.5%
2024 · €65k
2018: €132k
2019: €215k
2020: €252k
2021: €197k
2022: €128k
2023: €77k
2024: €65k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€409k-€422k▲ 3.0%€418k▼ 0.7%€428k▲ 2.3%€484k▲ 13.0%
Operating result€103k-€139k▲ 34.9%€113k▼ 18.2%€82k▼ 27.2%€82k▼ 0.5%
Net result€71k-€94k▲ 32.5%€77k▼ 18.3%€56k▼ 27.3%€56k▲ 0.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 0% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €924k
Fixed assets
€762k ▼ 3.1%
Current assets
€162k ▼ 4.9%
Equity and liabilities €924k
Equity
€484k ▲ 13.0%
Debt
€440k ▼ 16.7%
Debt's share of the balance-sheet total falls from 55.2% to 47.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€116k▼
2024 · €116k
Cash flow
€90k▲
2024 · €89k
Current ratio
2.24▲
2024 · 1.62
Debt to equity
0.91▼
2024 · 1.23
ROE
11.5%▼
2024 · 13.0%
ROA
6.0%▲
2024 · 5.8%
Interest coverage
16.24▲
2024 · 15.28
Debt ≤ 1 year
€72k▼
2024 · €105k
Debt > 1 year
€363k▼
2024 · €423k
Income taxes
€21k▲
2024 · €21k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€957k€924k▼
Fixed assets21/28€786k€762k▼
Tangible fixed assets22/27€786k€762k▼
Land and buildings22€786k€753k▼
Furniture and vehicles24-€9k
Financial fixed assets28€25€25=
Current assets29/58€170k€162k▼
Amounts receivable within one year40/41€16k€29k▲
Other amounts receivable41€16k€29k▲
Cash at bank and in hand54/58€152k€130k▼
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€957k€924k▼
Equity10/15€428k€484k▲
Contributions10/11€19k€19k=
Reserves13€410k€465k▲
Distributable reserves133€410k€465k▲
Amounts payable17/49€528k€440k▼
Amounts payable after more than one year17€423k€363k▼
Financial debts170/4€423k€363k▼
Amounts payable within one year42/48€105k€72k▼
Current portion of amounts payable after more than one year42€54k€60k▲
Trade debts44€65€3k▲
Suppliers440/4€65€3k▲
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k-
Remuneration and social security454/9-€4k
Other amounts payable47/48€48k€5k▼
Accrued charges and deferred income492/3-€4k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€34k▲
Other operating charges640/8€1k€8k▲
Gross operating margin9900€117k€124k▲
Operating profit (loss)9901€82k€82k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€77k€77k▲
Income taxes67/77€21k€21k▲
Profit (loss) for the period9904€56k€56k▲
Profit (loss) for the period to be appropriated9905€56k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€56k€56k▲
Transfer from equity791/2€46k-
Transfer to equity691/2€56k€56k▲
To other reserves6921€56k€56k▲
Profit to be distributed694/7€46k-
Return on contributions (dividend)694€46k-
The notes to these accounts (7 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 26 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 28 days late
2022
31-12
Financial
Highest result since 2018net €94k ▲32.5%
Operating result €139k, net result €94k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €46k ▼42.2%
Net result drops to €46k, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 9 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 13 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Overijse · 1 establishment unit since 2004
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.
Brusselsesteenweg 2603090 OverijseGround area
4,737 m²
Building footprint
325 m²
Volume, LiDAR
2,160 m³
Parcel 23062B0373/00C005, Flanders · tallest building 11.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DR. PASCALE DERYCKERE
since 20042.302.040.325
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062B0373/00C005 | Flanders | 4,737 m² | 1 · 325 m² | 11.1 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
DOKTER P. DE LOECKER
BE 0859.757.916
Antwerpen · Eq €483,868
DR. JESPERS JOHAN
BE 0473.368.116
Genk · Eq €484,074
DOCTEUR COULON
BE 0473.689.404
Nandrin · Eq €484,095
DR. PATRICK WIJNS
BE 0477.664.523
Heist-op-den-Berg · Eq €483,612
Dr. Pauwels Katelijn
BE 0888.926.212
Herentals · Eq €483,609
Of 16,627 companies in sector 86220 we hold annual accounts for 7,974. 6,457 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
Founded16-06-2004
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.