MAXIME RAGNO KINESITHERAPEUTE
ActiveMAXIME RAGNO KINESITHERAPEUTE has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €93k and a net result of €48k. Equity is growing by ~36.9% per year across the filed fiscal years. Its solvency ranks better than 41% of 19906 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+2
Solvency83▼-17
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.1 against 4.49 in 2023; short-term debt: 41.2% and cash: 86.1% of total assets), and 42.2% 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 →
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
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 27-06-2025, 34 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
34 d early
2023
27 d late
2022
18 d late
2021
24 d late
2020
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€93k▼ 36.0%
2023 · €145k
2020: €31k
2021: €64k
2022: €102k
2023: €145k
2020 → 2024
Total assets
€161k▼ 14.2%
2023 · €187k
2020: €44k
2021: €98k
2022: €131k
2023: €187k
2020 → 2024
Net result
€48k▲ 9.3%
2023 · €44k
2020: €29k
2021: €33k
2022: €37k
2023: €44k
2020 → 2024
Working capital
€73k▼ 42.6%
2023 · €127k
2020: €29k
2021: €49k
2022: €86k
2023: €127k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€31k-€64k▲ 107%€102k▲ 58.1%€145k▲ 42.9%€93k▼ 36.0%
Operating result€39k-€42k▲ 8.7%€53k▲ 25.2%€63k▲ 19.2%€68k▲ 7.9%
Net result€29k-€33k▲ 16.5%€37k▲ 12.3%€44k▲ 16.8%€48k▲ 9.3%
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; 2024 is 8% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €161k
Fixed assets
€22k▼ 10.1%
Current assets
€139k▼ 14.8%
Equity and liabilities €161k
Equity
€93k▼ 36.0%
Debt
€68k▲ 60.9%
The debt ratio rises from 22.5% to 42.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€77k▲
2023 · €72k
Cash flow
€57k▲
2023 · €52k
Solvency
57.8%▼
2023 · 77.5%
Current ratio
2.10▼
2023 · 4.49
Quick ratio
2.10▼
2023 · 4.49
Debt / equity
0.73▲
2023 · 0.29
ROE
51.3%▲
2023 · 30.0%
ROA
29.6%▲
2023 · 23.3%
Interest coverage
60.14▲
2023 · 46.49
Debt
€68k▲
2023 · €42k
Debt ≤ 1 year
€66k▲
2023 · €36k
Debt > 1 year
€2k▼
2023 · €6k
Income taxes
€22k▲
2023 · €18k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€187k€161k▼
Fixed assets21/28€24k€22k▼
Intangible fixed assets21€2k€1k▼
Tangible fixed assets22/27€23k€20k▼
Furniture and vehicles24€18k€13k▼
Other tangible fixed assets26€5k€7k▲
Current assets29/58€163k€139k▼
Amounts receivable within one year40/41€6k-
Other amounts receivable41€6k-
Current investments50/53€100k-
Cash at bank and in hand54/58€57k€138k▲
Deferred charges and accrued income490/1€203€626▲
Equity and liabilities
Total equity and liabilities10/49€187k€161k▼
Equity10/15€145k€93k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€143k€90k▼
Amounts payable17/49€42k€68k▲
Amounts payable after more than one year17€6k€2k▼
Financial debts170/4€6k€2k▼
Amounts payable within one year42/48€36k€66k▲
Current portion of amounts payable after more than one year42€4k€4k=
Trade debts44€233€361▲
Suppliers440/4€233€361▲
Taxes, remuneration and social security45€32k€52k▲
Taxes450/3€32k€52k▲
Other amounts payable47/48-€10k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Other operating charges640/8€448€451▲
Gross operating margin9900€72k€78k▲
Operating profit (loss)9901€63k€68k▲
Financial income75/76B-€3k
Recurring financial income75-€3k
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€61k€70k▲
Income taxes67/77€18k€22k▲
Profit (loss) for the period9904€44k€48k▲
Profit (loss) for the period to be appropriated9905€44k€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€143k€190k▲
Profit (loss) brought forward from the previous period14P€99k€143k▲
Profit to be distributed694/7-€100k
Return on contributions (dividend)694-€100k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €48k ▲9.3%
Operating result €68k, net result €48k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-12
Financial
Equity above €100kEq €102k ▲58.1%
3 profitable years in a row build equity to €102k.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Chapelle-lez-Herlaimont · 1 establishment unit since 2020
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.
Rue de Verviers 17160 Chapelle-lez-HerlaimontGround area
128 m²
Building footprint
93 m²
Volume, LiDAR
571 m³
Parcel 52010A0326/00E015, Wallonia · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Verviers 1, 7160 Chapelle-lez-Herlaimont
since 20202.299.582.166
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52010A0326/00E015 | Wallonia | 128 m² | 1 · 93 m² | 7.6 m · 2 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.
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BE 0779.621.860
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BE 1001.834.113
Deinze · Eq €93k
KINE MIEKE VERVAET
BE 1007.124.571
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Of 12,690 companies in sector 86951 we hold annual accounts for 2,140. 1,874 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-02-2020
Fiscal year end31-12
Activities, NACEBEL
86905Human health activities
86951Physiotherapy
85510Sports and recreation education
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0493/180446