DR. VERCAMMEN CHRIS
ActiveDR. VERCAMMEN CHRIS has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €868k and a net result of €203k. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 86% of 16527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▼-4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 14.54 against 6.45 in 2024; short-term debt: 6.6% and cash: 3.1% of total assets), and 8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 2025Solvency, return and age of the figures
Solvency
92%
Return on assets
21.5%
Age of the figures
9 mo
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
28 d early
2023
14 d early
2022
39 d early
2021
37 d early
2020
3 d late
2019
20 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€868k▲ 18.3%
2024 · €733k
2018: €210k
2019: €281k
2020: €286k
2021: €438k
2022: €556k
2023: €562k
2024: €733k
2018 → 2025
Total assets
€943k▲ 4.4%
2024 · €904k
2018: €415k
2019: €404k
2020: €455k
2021: €561k
2022: €670k
2023: €785k
2024: €904k
2018 → 2025
Net result
€203k▼ 16.5%
2024 · €243k
2018: €81k
2019: €71k
2020: €106k
2021: €172k
2022: €118k
2023: €166k
2024: €243k
2018 → 2025
Working capital
€837k▲ 16.7%
2024 · €717k
2018: €89k
2019: €172k
2020: €181k
2021: €478k
2022: €587k
2023: €557k
2024: €717k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€438k-€556k▲ 26.9%€562k▲ 1.1%€733k▲ 30.5%€868k▲ 18.3%
Operating result€138k-€204k▲ 47.2%€212k▲ 3.9%€238k▲ 12.3%€277k▲ 16.5%
Net result€172k-€118k▼ 31.5%€166k▲ 41.2%€243k▲ 46.2%€203k▼ 16.5%
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 17% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €943k
Fixed assets
€45k▼ 18.7%
Current assets
€898k▲ 5.9%
Equity and liabilities €943k
Equity
€868k▲ 18.3%
Debt
€75k▼ 55.6%
The debt ratio falls from 18.8% to 8.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€292k▲
2024 · €253k
Cash flow
€217k▼
2024 · €258k
Solvency
92.0%▲
2024 · 81.2%
Current ratio
14.54▲
2024 · 6.45
Quick ratio
14.54▲
2024 · 6.45
Debt / equity
0.09▼
2024 · 0.23
ROE
23.4%▼
2024 · 33.1%
ROA
21.5%▼
2024 · 26.9%
Interest coverage
110.00▲
2024 · 8.44
Debt
€75k▼
2024 · €170k
Debt ≤ 1 year
€62k▼
2024 · €132k
Debt > 1 year
€14k▼
2024 · €39k
Income taxes
€91k▼
2024 · €94k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€904k€943k▲
Fixed assets21/28€55k€45k▼
Tangible fixed assets22/27€55k€45k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€51k€39k▼
Other tangible fixed assets26€2k€4k▲
Current assets29/58€848k€898k▲
Amounts receivable within one year40/41€7k€4k▼
Trade receivables40€7k€4k▼
Other amounts receivable41€50-
Current investments50/53€178k€854k▲
Cash at bank and in hand54/58€655k€30k▼
Deferred charges and accrued income490/1€9k€10k▲
Equity and liabilities
Total equity and liabilities10/49€904k€943k▲
Equity10/15€733k€868k▲
Contributions10/11€12k€12k=
Reserves13€719k€853k▲
Tax-exempt reserves132€5k€5k=
Distributable reserves133€714k€848k▲
Profit (loss) carried forward14€2k€2k=
Amounts payable17/49€170k€75k▼
Amounts payable after more than one year17€39k€14k▼
Financial debts170/4€39k€14k▼
Amounts payable within one year42/48€132k€62k▼
Current portion of amounts payable after more than one year42€27k€25k▼
Taxes, remuneration and social security45€52k€32k▼
Taxes450/3€52k€32k▼
Other amounts payable47/48€53k€5k▼
Income statement
Code20242025
Non-recurring operating income76A€5k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€14k▼
Other operating charges640/8€721€640▼
Gross operating margin9900€254k€292k▲
Operating profit (loss)9901€238k€277k▲
Financial income75/76B€130k€19k▼
Recurring financial income75€22k€19k▼
Non-recurring financial income76B€107k-
Financial charges65/66B€30k€3k▼
Recurring financial charges65€30k€3k▼
Profit (loss) for the period before taxes9903€337k€294k▼
Income taxes67/77€94k€91k▼
Profit (loss) for the period9904€243k€203k▼
Profit (loss) for the period to be appropriated9905€243k€203k▼
Appropriation of the result
Profit (loss) to be appropriated9906€245k€205k▼
Profit (loss) brought forward from the previous period14P€2k€2k=
Transfer from equity791/2-€69k
Transfer to equity691/2€172k€203k▲
To other reserves6921€172k€203k▲
Profit to be distributed694/7€72k€69k▼
Return on contributions (dividend)694€72k€69k▼
The notes to these accounts (8 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 14.54
Current ratio from 6.45 to 14.54; short-term debt falls from €132k to €62k.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €243k ▲46.2%
Net result €243k, the highest in the series.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €500kEq €556k ▲26.9%
5 profitable years in a row build equity to €556k.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 7.74
Current ratio from 2.76 to 7.74; short-term debt falls from €103k to €71k.
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 3 days late
2020
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
31-12
Financial
Weakest financial yearnet €71k ▼12.9%
Net result drops to €71k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 4.85
Current ratio from 1.79 to 4.85; short-term debt falls from €113k to €45k.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Putte · 2 establishment units since 2000
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.
Wolzakken 222580 PutteGround area
12.1 ha
Building footprint
2.3 ha
Volume, LiDAR
211,072 m³
2 parcels, Flanders · tallest building 30.2 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Wolzakken 22, 2580 Putte
since 20002.202.881.183
Imeldalaan 9, 2820 Bonheiden
since 20002.202.882.569
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12005C0195/00L000 | Flanders | 11.8 ha | 1 · 2.3 ha | 30.2 m · 2 fl. |
| 12029C0328/00M000 | Flanders | 2,713 m² | 1 · 213 m² | 7.3 m · 2 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.
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Of 16,628 companies in sector 86220 we hold annual accounts for 7,973. 5,930 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-01-2000
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
86906Human health activities
86909Human health activities
86940Nursing and midwifery
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.