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DR. PIL DAVID

Active
Private limited company·Activiteiten van huisartspraktijken· 3 yrs active
Broekstraat(LUB) 48 ·3210 Lubbeek, Belgium
KBO/BCE: BE 0795.133.645
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Belgian State Gazette acts: 0 of 1 read
Age3 yrs
Real estate2 parcels · 1,242 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of DR. PIL DAVID is 0.2% (very low). The 2024 annual accounts show equity of €180k and a net result of €91k. Its solvency ranks better than 85% of 383 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

2 signals · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 85% of 383 peers (2024). A comfortable equity buffer.
View the sector comparison
Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 18 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 30-09-2025 61 d late 2025-00522819
31-12-2023 31-07-2024 30-09-2024 61 d late 2024-00490235

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.2% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€91k+5.6%
Working capital€179k+106.4%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · verkort
€0€50k€100kOperating result 2023: €110k€110kNet result 2023: €86k€86kOperating result 2024: €116k€116kNet result 2024: €91k€91k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 86, Human health · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 87.6% 50.4%
better than 85% of 383 sector peers
Net result €91k €71k
better than 56% of 373 sector peers
Equity €180k €128k
better than 58% of 383 sector peers
Gross operating margin €118k €180k
better than 41% of 373 sector peers
Employees (FTE) 0.0 2.3
better than 10% of 190 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€117k
+3.6% 23-24
Net profit
€91k
+5.6% 23-24
Cash flow
€92k
+2.6% 23-24
Total assets
€206k
+82.9% 23-24
Equity
€180k
+102.0% 23-24
Working capital
€179k
+106.4% 23-24
Employees (FTE)
0
- 23-24
Income taxes
€25k
+7.2% 23-24
Show 9 other metrics
Debt
€26k
+9.9% 23-24
Debt ≤ 1y
€26k
+9.9% 23-24
Current ratio
7.99
+69.2% 23-24
Quick ratio
7.99
+69.2% 23-24
Solvency
87.6%
+10.4% 23-24
Debt / equity
0.14
-45.6% 23-24
ROE
50.5%
-47.7% 23-24
ROA
44.2%
-42.3% 23-24
Interest coverage
2697.34
+38.6% 23-24
Figures by fiscal year
Fiscal year2024
Depositverkort
Revenue-
EBITDA€117k
Net profit€91k
Cash flow€92k
Staff costs-
Income taxes€25k
Dividends-
Total assets€206k
Equity€180k
Debt€26k
of which ≤ 1y€26k
of which > 1y-
Working capital€179k
Employees (FTE)0.0
Ratios (computed)
2024
Current ratio7.99
Quick ratio7.99
Working capital ratio87.0%
Solvency87.6%
Debt / equity0.14
Long-term debt ratio-
Interest coverage2697.34
Gross margin-
Net margin-
ROA44.2%
ROE50.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€206k
Fixed assets 21/28€1k
Formation expenses 20€0
Tangible fixed assets 22/27€1k
Current assets 29/58€205k
Amounts receivable within one year 40/41€49k
Cash & bank 54/58€154k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€206k
Equity 10/15€180k
Contributions / capital 10/11€3k
Reserves 13€177k
Accumulated profits (losses) 14€0
Amounts payable 17/49€26k
Amounts payable within one year 42/48€26k
Trade debts payable within one year 44€605
Income statement
Gross operating margin 9900€118k
Operating result 9901€116k
Financial income 75€1
Financial charges 65€44
Result before taxes 9903€116k
Income taxes 67/77€25k
Net result for the period 9904€91k
Result to be appropriated 9905€91k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
100 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap

Establishment units

1 location
DR. PIL DAVID
Tiensesteenweg 100, 3360 BierbeekActiviteiten van huisartspraktijken
since 20222.340.494.984
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area1,242 m²
Buildings2
Building footprint183 m²
Volume (LiDAR)1,397 m³
Tallest building10.9 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24066H0160/00R000 Flanders 876 m² 1 · 105 m² 10.9 m · 3 fl.
24053B0180/00X007 Flanders 366 m² 1 · 78 m² 10.4 m · 3 fl.
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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

5 of 5 axes measured
Health100Profitability100Solvency100Growth78Stability94
94 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100
Profitability 100
Solvency 100
Growth 78
Stability 94

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 2,099 of the 9,096 companies in this sector. 1,794 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Huisartspraktijken86210Activiteiten van huisartspraktijken86210Overige menselijke gezondheidszorg, n.e.g.86909Activiteiten op het gebied van voeding86995
Primary activity highlighted.
Names & trade names
Legal nameNL DR. PIL DAVID
Registered office
Broekstraat(LUB) 48
3210 Lubbeek, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.