Dr. V. Vervaet
ActiveSummary
Dr. V. Vervaet has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100 and a net result of €119k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency25▼-13
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
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 · 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
0.1%
Return on assets
106%
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 16546 sector peers (2025).
NBB · sector comparisonPosition among 16546 sector peers
Solvency
better than 5%
← weakest
strongest →
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
70 d early
2023
44 d early
2022
7 d early
2021
16 d late
2020
26 d late
2019
14 d late
← 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
€100▼ 99.5%
2024 · €19k
2018: €143k
2019: €144k
2020: €20k
2021: €20k
2022: €20k
2023: €19k
2024: €19k
2018 → 2025
Total assets
€112k▼ 24.1%
2024 · €148k
2018: €180k
2019: €178k
2020: €164k
2021: €87k
2022: €112k
2023: €101k
2024: €148k
2018 → 2025
Net result
€119k▲ 11.6%
2024 · €107k
2018: €-24k
2019: €1k
2020: €12k
2021: €34k
2022: €66k
2023: €75k
2024: €107k
2018 → 2025
Working capital
€-14k
2024 · €16k
2018: €9k
2019: €32k
2020: €-66k
2021: €-38k
2022: €-15k
2023: €2k
2024: €16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€20k=€19k▼ 9.1%€19k=€100▼ 99.5%
Operating result€42k-€84k▲ 102%€95k▲ 13.7%€138k▲ 45.1%€154k▲ 11.2%
Net result€34k-€66k▲ 93.5%€75k▲ 13.1%€107k▲ 42.4%€119k▲ 11.6%
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 four years in a row; 2025 is 11% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €112k
Fixed assets
€46k ▲ 1,865%
Current assets
€66k ▼ 54.6%
Equity and liabilities €112k
Equity
€100 ▼ 99.5%
Debt
€112k ▼ 13.3%
Debt's share of the balance-sheet total rises from 87.4% to 99.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€161k▲
2024 · €152k
Cash flow
€126k▲
2024 · €121k
Current ratio
0.82▼
2024 · 1.13
ROA
106.0%▲
2024 · 72.1%
Interest coverage
196.49▼
2024 · 2173.89
Debt ≤ 1 year
€80k▼
2024 · €130k
Debt > 1 year
€32k
Income taxes
€34k▲
2024 · €32k
Equity ratios withheld: equity of €100 is too small for a meaningful ratio.
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€148k€112k▼
Fixed assets21/28€2k€46k▲
Intangible fixed assets21€0-
Tangible fixed assets22/27€2k€46k▲
Plant, machinery and equipment23-€994
Furniture and vehicles24€2k€45k▲
Current assets29/58€146k€66k▼
Amounts receivable within one year40/41€47k€47k▲
Trade receivables40-€2k
Other amounts receivable41€47k€45k▼
Cash at bank and in hand54/58€98k€16k▼
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€148k€112k▼
Equity10/15€19k€100▼
Contributions10/11€19k€100▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€130k€112k▼
Amounts payable after more than one year17-€32k
Financial debts170/4-€32k
Amounts payable within one year42/48€130k€80k▼
Current portion of amounts payable after more than one year42-€12k
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€12k€16k▲
Taxes450/3€12k€16k▲
Other amounts payable47/48€115k€49k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€7k▼
Other operating charges640/8€918€360▼
Gross operating margin9900€153k€161k▲
Operating profit (loss)9901€138k€154k▲
Financial income75/76B€47€454▲
Recurring financial income75€47€454▲
Financial charges65/66B€70€820▲
Recurring financial charges65€70€820▲
Profit (loss) for the period before taxes9903€138k€154k▲
Income taxes67/77€32k€34k▲
Profit (loss) for the period9904€107k€119k▲
Profit (loss) for the period to be appropriated9905€107k€119k▲
Appropriation of the result
Profit (loss) to be appropriated9906€107k€119k▲
Transfer from equity791/2€0-
Profit to be distributed694/7€107k€119k▲
Return on contributions (dividend)694€107k€119k▲
The notes to these accounts (14 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €119k ▲11.6%
Operating result €154k, net result €119k, both a record.
22-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 10 days late
2017
02-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Destelbergen · 1 establishment unit since 2019
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.
Heibosstraat 179070 DestelbergenGround area
805 m²
Building footprint
226 m²
Parcel 44013A0382/00N000, Flanders. Linked by address, not a title deed.
1 establishment unit
Heibosstraat 17, 9070 Destelbergen
since 20192.292.026.856
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44013A0382/00N000 | Flanders | 805 m² | 1 · 226 m² | - |
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 105 EUR awarded · 105 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 105 EUR | 105 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Have A Nice Day Surgery
BE 0541.758.757
Lubbeek · Eq €100
Dr. Kurt Buccauw, radiologie
BE 0644.845.607
Oud-Heverlee · Eq €100
DRS. CAEKEBEKE EN D'HAESE
BE 0649.939.095
Kortrijk · Eq €100
Dokter Mestdagh Martine, dermatologie
BE 0653.991.222
Lokeren · Eq €100
Dr. Pieter Caekebeke, handchirurgie, orthopedie
BE 0697.757.325
Genk · Eq €100
Of 16,627 companies in sector 86220 we hold annual accounts for 7,974. 96 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
Founded08-08-2014
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.