MEDI-CL · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of MEDI-CL is 0.2% (very low). The 2025 annual accounts show equity of €28k and a net result of €35k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 29% of 2217 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.

Signals

1 signal · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-04-2026, 102 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 5 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	20-04-2026	102 d early	2026-00082637
31-12-2024	31-07-2025	25-04-2025	97 d early	2025-00075296
31-12-2023	31-07-2024	18-06-2024	43 d early	2024-00140381
31-12-2022	31-07-2023	30-06-2023	31 d early	2023-00180917
31-12-2021	31-07-2022	29-06-2022	32 d early	2022-20105315

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€35k+145.1%

Working capital€24k+14.6%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 20-04-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

stable Equity: stable across 5 fiscal years (±0%/year).

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 86, Human health · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	21.2%	58.2%	better than 29% of 2217 sector peers
Net result	€35k	€60k	better than 33% of 2215 sector peers
Equity	€28k	€74k	better than 32% of 2217 sector peers
Gross operating margin	€54k	€95k	better than 29% of 2217 sector peers
Total assets	€133k	€186k	better than 37% of 2217 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P29

Stable position over 2021-2025 · n=1848-6582

Net result P33

Weakening position over 2021-2025 · n=1848-6576

Equity P32

Stable position over 2021-2025 · n=1848-6582

Gross operating margin P29

Weakening position over 2021-2025 · n=1849-6584

Describes the position versus peers, not a forecast.

EBITDA

€53k

+104.3% 21-25

Net profit

€35k

+145.1% 21-25

Cash flow

€42k

+110.7% 21-25

Total assets

€133k

+30.1% 21-25

Equity

€28k

0.0% 21-25

Working capital

€24k

+14.6% 21-25

Income taxes

€10k

+70.5% 21-25

Dividends

€35k

-47.2% 21-25

Debt

€105k

+41.5% 21-25

Debt ≤ 1y

€70k

-5.4% 21-25

Debt > 1y

€35k

+1798.6% 21-25

Current ratio

1.35

+4.7% 21-25

Quick ratio

1.35

+4.7% 21-25

Solvency

21.2%

-23.1% 21-25

Debt / equity

3.72

+41.5% 21-25

ROE

122.5%

+145.1% 21-25

ROA

26.0%

+88.4% 21-25

Interest coverage

53.67

-75.7% 21-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€53k
Net profit	€35k
Cash flow	€42k
Staff costs	-
Income taxes	€10k
Dividends	€35k
Total assets	€133k
Equity	€28k
Debt	€105k
of which ≤ 1y	€70k
of which > 1y	€35k
Working capital	€24k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	1.35
Quick ratio	1.35
Working capital ratio	18.2%
Solvency	21.2%
Debt / equity	3.72
Long-term debt ratio	1.23
Interest coverage	53.67
Gross margin	-
Net margin	-
ROA	26.0%
ROE	122.5%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €39k · 29.1% Current assets €94k · 70.9%

Equity & liabilities

Equity €28k · 21.2% Debt €105k · 78.8%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€133k
Fixed assets	21/28	€39k
Tangible fixed assets	22/27	€39k
Current assets	29/58	€94k
Cash & bank	54/58	€47k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€133k
Equity	10/15	€28k
Contributions / capital	10/11	€100
Reserves	13	€28k
Amounts payable	17/49	€105k
Amounts payable after one year	17	€35k
Amounts payable within one year	42/48	€70k
Income statement
Gross operating margin	9900	€54k
Operating result	9901	€46k
Financial income	75	€10
Financial charges	65	€991
Result before taxes	9903	€45k
Income taxes	67/77	€10k
Net result for the period	9904	€35k
Result to be appropriated	9905	€35k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

73 / 100 Healthy

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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 Sierpont 295340 Gesves

Establishment units

1 location

MEDI-CL

Rue de Sierpont 29, 5340 GesvesActiviteiten van medisch specialisten

since 20212.314.879.264

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1,244 m²

Buildings1

Building footprint144 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)