Dr. VANDERSPICKKEN FREDERIQUE
ActiveSummary
Dr. VANDERSPICKKEN FREDERIQUE has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6k and a net result of €62k. Equity is shrinking by ~20.1% per year across the filed fiscal years. Its solvency ranks better than 8% 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=
Solvency28▼-1
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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
3%
Return on assets
31%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 16546 sector peers (2025).
NBB · sector comparisonPosition among 16546 sector peers
Solvency
better than 8%
← 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 17-07-2026, 14 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
14 d early
2024
29 d early
2023
20 d early
2022
34 d early
2021
2 d early
2020
5 d late
2019
16 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
€6k=
2024 · €6k
2019: €18k
2020: €46k
2021: €46k
2022: €6k
2023: €6k
2024: €6k
2019 → 2025
Total assets
€199k▲ 22.5%
2024 · €162k
2019: €219k
2020: €224k
2021: €191k
2022: €208k
2023: €174k
2024: €162k
2019 → 2025
Net result
€62k▼ 7.7%
2024 · €67k
2019: €12k
2020: €27k
2021: €-164
2022: €66k
2023: €58k
2024: €67k
2019 → 2025
Working capital
€-120k▼ 84.9%
2024 · €-65k
2019: €-6k
2020: €13k
2021: €-376
2022: €-48k
2023: €-56k
2024: €-65k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€6k▼ 86.9%€6k=€6k=€6k=
Operating result€2k-€84k▲ 5,235%€74k▼ 12.5%€85k▲ 15.2%€78k▼ 8.0%
Net result€-164-€66k€58k▼ 12.6%€67k▲ 15.6%€62k▼ 7.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €199k
Fixed assets
€126k ▲ 32.3%
Current assets
€73k ▲ 8.8%
Equity and liabilities €199k
Equity
€6k =
Debt
€193k ▲ 23.4%
Debt's share of the balance-sheet total rises from 96.3% to 97.0%. Debt is higher.
Key figures and ratios
EBITDA
€100k▼
2024 · €106k
Cash flow
€83k▼
2024 · €87k
Current ratio
0.38▼
2024 · 0.51
Debt to equity
32.18▲
2024 · 26.08
ROA
31.0%▼
2024 · 41.2%
Interest coverage
157.10▲
2024 · 125.60
Debt ≤ 1 year
€193k▲
2024 · €132k
Debt > 1 year
€0▼
2024 · €24k
Income taxes
€16k▼
2024 · €17k
Staff costs
€2k▼
2024 · €2k
A ratio outside any meaningful range has been withheld (balance sheet total €199k, equity €6k).
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€162k€199k▲
Fixed assets21/28€95k€126k▲
Intangible fixed assets21€92k€72k▼
Tangible fixed assets22/27€3k€54k▲
Other tangible fixed assets26€3k€54k▲
Current assets29/58€67k€73k▲
Amounts receivable within one year40/41€28k€25k▼
Other amounts receivable41€28k€25k▼
Cash at bank and in hand54/58€30k€40k▲
Deferred charges and accrued income490/1€9k€8k▼
Equity and liabilities
Total equity and liabilities10/49€162k€199k▲
Equity10/15€6k€6k=
Contributions10/11€6k€6k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€156k€193k▲
Amounts payable after more than one year17€24k€0▼
Financial debts170/4€24k€0▼
Amounts payable within one year42/48€132k€193k▲
Current portion of amounts payable after more than one year42€29k€24k▼
Financial debts43-€1k
Credit institutions430/8-€1k
Trade debts44€1k€13k▲
Suppliers440/4€1k€13k▲
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€5k€3k▼
Other amounts payable47/48€97k€151k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€22k▲
Other operating charges640/8€382€329▼
Gross operating margin9900€108k€102k▼
Operating profit (loss)9901€85k€78k▼
Financial income75/76B€10€0▼
Recurring financial income75€10€0▼
Financial charges65/66B€841€636▼
Recurring financial charges65€841€636▼
Profit (loss) for the period before taxes9903€84k€78k▼
Income taxes67/77€17k€16k▼
Profit (loss) for the period9904€67k€62k▼
Profit (loss) for the period to be appropriated9905€67k€62k▼
Appropriation of the result
Profit (loss) to be appropriated9906€67k€62k▼
Profit to be distributed694/7€67k€62k▼
Return on contributions (dividend)694€67k€62k▼
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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €67k ▲15.6%
Operating result €85k, net result €67k, both a record.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €66k
Net result €66k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-164 ▼101%
Net result drops to €-164, the lowest in the series; recovery starts the following year.
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
2020
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Genk · 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.
Oostlaan 353600 GenkGround area
4,239 m²
Building footprint
202 m²
Volume, LiDAR
1,874 m³
Parcel 71307H0034/00M219, Flanders · tallest building 15.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Dr. VANDERSPICKKEN FREDERIQUE
since 20192.293.364.565
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71307H0034/00M219 | Flanders | 4,239 m² | 1 · 202 m² | 15.3 m · 3 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
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Dr. Miek Smeets
BE 0754.582.497
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MEDIMEL
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Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 1,542 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
Founded11-09-2019
Fiscal year end31-12
Activities, NACEBEL 2025
86210General medical practice
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.