Dr VAN OVERBERGE Luc
ActiveSummary
Dr VAN OVERBERGE Luc has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €868k and a net result of €53k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 19908 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability73▼-8
Solvency100=
Growth78=
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 63.83 against 12.61 in 2023; short-term debt: 1.2% and cash: 9.4% of total assets), and 2.1% 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 2024Solvency, return and age of the figures
Solvency
97.9%
Return on assets
5.9%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-07-2025, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
28 d early
2023
44 d early
2022
39 d early
2021
20 d early
2020
47 d early
2019
18 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€868k▲ 6.5%
2023 · €816k
2018: €692k
2019: €699k
2020: €700k
2021: €682k
2022: €730k
2023: €816k
2018 → 2024
Total assets
€887k▲ 1.8%
2023 · €871k
2018: €884k
2019: €814k
2020: €729k
2021: €806k
2022: €776k
2023: €871k
2018 → 2024
Net result
€53k▼ 38.7%
2023 · €86k
2018: €-3k
2019: €7k
2020: €2k
2021: €71k
2022: €48k
2023: €86k
2018 → 2024
Working capital
€642k▲ 23.1%
2023 · €521k
2018: €262k
2019: €243k
2020: €310k
2021: €298k
2022: €373k
2023: €521k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€700k-€682k▼ 2.7%€730k▲ 7.1%€816k▲ 11.8%€868k▲ 6.5%
Operating result€3k-€102k▲ 3,381%€58k▼ 42.5%€122k▲ 109%€110k▼ 10.2%
Net result€2k-€71k▲ 4,104%€48k▼ 32.5%€86k▲ 79.1%€53k▼ 38.7%
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 falls in 2024; 2024 is 10% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €887k
Fixed assets
€235k ▼ 22.9%
Current assets
€652k ▲ 15.1%
Equity and liabilities €887k
Equity
€868k ▲ 6.5%
Provisions
€8k ▼ 20.1%
Debt
€10k ▼ 77.2%
Debt's share of the balance-sheet total falls from 5.2% to 1.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€180k▼
2023 · €191k
Cash flow
€124k▼
2023 · €155k
Current ratio
63.83▲
2023 · 12.61
Debt to equity
0.01▼
2023 · 0.06
ROE
6.1%▼
2023 · 10.6%
ROA
5.9%▼
2023 · 9.9%
Interest coverage
5.67▼
2023 · 129.55
Debt ≤ 1 year
€10k▼
2023 · €45k
Income taxes
€50k▲
2023 · €41k
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 · 2024 against 2023 · 45 lines
Balance sheet
Code20232024
Assets
Total assets20/58€871k€887k▲
Fixed assets21/28€305k€235k▼
Tangible fixed assets22/27€305k€235k▼
Land and buildings22€207k€155k▼
Furniture and vehicles24€98k€80k▼
Financial fixed assets28€100€0▼
Current assets29/58€566k€652k▲
Amounts receivable within one year40/41€5k€4k▼
Trade receivables40€5k€4k▼
Current investments50/53€535k€565k▲
Cash at bank and in hand54/58€26k€83k▲
Deferred charges and accrued income490/1€224€0▼
Equity and liabilities
Total equity and liabilities10/49€871k€887k▲
Equity10/15€816k€868k▲
Contributions10/11€6k€6k=
Reserves13€810k€862k▲
Tax-exempt reserves132€20k€16k▼
Distributable reserves133€789k€846k▲
Provisions and deferred taxes16€11k€8k▼
Deferred taxes168€11k€8k▼
Amounts payable17/49€45k€10k▼
Amounts payable within one year42/48€45k€10k▼
Trade debts44€8k€7k▼
Suppliers440/4€8k€7k▼
Taxes, remuneration and social security45€36k€3k▼
Taxes450/3€36k€3k▼
Other amounts payable47/48€2k€193▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€69k€71k▲
Other operating charges640/8€4k€4k▼
Non-recurring operating charges66A€806€6k▲
Gross operating margin9900€196k€190k▼
Operating profit (loss)9901€122k€110k▼
Financial income75/76B€4k€23k▲
Recurring financial income75€4k€23k▲
Financial charges65/66B€1k€32k▲
Recurring financial charges65€1k€32k▲
Profit (loss) for the period before taxes9903€125k€101k▼
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€41k€50k▲
Profit (loss) for the period9904€86k€53k▼
Transfer from tax-exempt reserves789€4k€4k=
Profit (loss) for the period to be appropriated9905€90k€57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€90k€57k▼
Transfer to equity691/2€90k€57k▼
To other reserves6921€90k€57k▼
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
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 5current ratio 63.83
Current ratio from 12.61 to 63.83; short-term debt falls from €45k to €10k.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €86k ▲79.1%
Operating result €122k, net result €86k, both a record.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 11.97
Current ratio from 3.73 to 11.97; short-term debt falls from €109k to €34k.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity times 8current ratio 28.04
Current ratio from 3.53 to 28.04; short-term debt falls from €96k to €11k.
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Show earlier events
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 7 days late
2016
30-05
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Puurs-Sint-Amands · 2 establishment units since 1991
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.
Scheeveld 222870 Puurs-Sint-AmandsGround area
1.7 ha
Building footprint
885 m²
Volume, LiDAR
7,566 m³
2 parcels, Flanders · tallest building 13.8 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Scheeveld 22, 2870 Puurs-Sint-Amands
since 19912.301.298.175
Nieuwelaan 224, 1860 Meise
since 20052.301.298.571
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12030A0065/00F000 | Flanders | 1.4 ha | 1 · 273 m² | 9.7 m · 2 fl. |
| 23093G0399/02W000 | Flanders | 2,541 m² | 1 · 613 m² | 13.8 m · 3 fl. |
Linked by address, not proof of ownership
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.
Recognitions · licences · registrations
Legal Entity Identifier
254900BSCIB397WX4E33
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Of 16,627 companies in sector 86220 we hold annual accounts for 7,974. 5,928 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
Founded24-12-1991
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:van.overberge@telenet.be
Phone:0475/276026