Checked.be
Active
BE 0445.617.208Private limited company
PERSONAID
Rue de l'Avenir(Jod.) 5 ·1370 Jodoigne, Belgium· 34 yrs active
Sector: Human health activities
(86920)
Conclusion
PERSONAID has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €907k and a net result of €82k. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 75% of 2244 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €907k |
| Net result | €82k |
| Staff (FTE) | 5.8 |
| Better than sector | 75% |
Financial profile
83
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
94
Profitability
45
Solvency
100
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1991, 34 years in business.
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.
Checked score
94
/ 100
Excellent
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.
Indicative credit limit
€85k
estimate, not credit advice
Score history
73
2022
78
2023
94
2024
94
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 4.68 (≥ 1.5)
+10
Quick ratio
Quick ratio 4.68 (≥ 1.0)
+5
Leverage
Debt/equity 0.19 (< 1.0)
+10
Profitability
ROE 9%
+3
Interest coverage
Interest coverage 41.5× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 31-08-2026 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~6%/year over 4 fiscal years, indicative, assuming unchanged policy.
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 activities · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 84.0% | 59.8% | |
| Net result | €82k | €121k | |
| Equity | €907k | €395k | |
| Gross operating margin | €624k | €301k | |
| Staff costs | €423k | €111k |
€199k
+38.0%
22-25
€82k
+55.1%
22-25
€174k
+27.2%
22-25
€1.08M
+14.5%
22-25
€907k
+9.9%
22-25
€568k
+17.3%
22-25
6
-32.6%
22-25
€423k
+13.6%
22-25
€25k
+258.9%
22-25
€172k
+46.7%
22-25
€155k
+90.6%
22-25
€18k
-51.4%
22-25
4.68
-32.9%
22-25
4.68
-32.7%
22-25
84.0%
-4.0%
22-25
0.19
+33.4%
22-25
9.0%
+41.1%
22-25
7.6%
+35.5%
22-25
41.48
+89.6%
22-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | abbreviated schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - |
| EBITDA | €199k | €144k | €50k | €38k |
| Net profit | €82k | €53k | €-7k | €-32k |
| Cash flow | €174k | €137k | €54k | €42k |
| Staff costs | €423k | €372k | €441k | €437k |
| Income taxes | €25k | €7k | €387 | - |
| Dividends | - | - | - | - |
| Total assets | €1.08M | €943k | €947k | €1.01M |
| Equity | €907k | €825k | €773k | €779k |
| Debt | €172k | €117k | €175k | €228k |
| of which ≤ 1y | €155k | €81k | €160k | €133k |
| of which > 1y | €18k | €36k | €14k | €95k |
| Working capital | €568k | €484k | €531k | €655k |
| Employees (FTE) | 5.8 | - | 8.6 | 8.5 |
Note: these years are not on the same basis. The filed schemas differ (abbreviated schema, micro schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 4.68 | 6.97 | 4.31 | 5.92 |
| Quick ratio | 4.68 | 6.95 | 4.31 | 5.92 |
| Working capital ratio | 52.7% | 51.4% | 56.0% | 65.0% |
| Solvency | 84.0% | 87.5% | 81.6% | 77.4% |
| Debt / equity | 0.19 | 0.14 | 0.23 | 0.29 |
| Long-term debt ratio | 0.02 | 0.04 | 0.02 | 0.12 |
| Interest coverage | 41.48 | 21.88 | 6.57 | 5.20 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | 7.6% | 5.6% | -0.7% | -3.2% |
| ROE | 9.0% | 6.4% | -0.8% | -4.1% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €1.08M | €943k | €947k | €1.01M |
| Fixed assets | 21/28 | €357k | €377k | €256k | €219k |
| Tangible fixed assets | 22/27 | €357k | €377k | €256k | €219k |
| Current assets | 29/58 | €723k | €566k | €691k | €788k |
| Stocks & contracts in progress | 3 | - | €2k | - | - |
| Amounts receivable within one year | 40/41 | €466k | €286k | €314k | €266k |
| Cash & bank | 54/58 | €236k | €258k | €370k | €488k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.08M | €943k | €947k | €1.01M |
| Equity | 10/15 | €907k | €825k | €773k | €779k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k |
| Reserves | 13 | €17k | €17k | €17k | €17k |
| Accumulated profits (losses) | 14 | €872k | €790k | €737k | €744k |
| Amounts payable | 17/49 | €172k | €117k | €175k | €228k |
| Amounts payable after one year | 17 | €18k | €36k | €14k | €95k |
| Amounts payable within one year | 42/48 | €155k | €81k | €160k | €133k |
| Trade debts payable within one year | 44 | €13k | €6k | €62k | €26k |
| Income statement | |||||
| Gross operating margin | 9900 | €624k | €518k | €492k | €476k |
| Operating result | 9901 | €107k | €60k | €-10k | €-36k |
| Financial income | 75 | €5k | €6k | €11k | €11k |
| Financial charges | 65 | €5k | €7k | €8k | €7k |
| Result before taxes | 9903 | €107k | €60k | €-6k | €-32k |
| Income taxes | 67/77 | €25k | €7k | €387 | - |
| Net result for the period | 9904 | €82k | €53k | €-7k | €-32k |
| Result to be appropriated | 9905 | €82k | €53k | €-7k | €-32k |
Legal Structure
| NACE primary | Human health activities(86920) |
| Legal form | Private limited company(610) |
| Incorporation | 31-10-1991 |
| Status | Active |
| Postal code | 1370 |
Establishment units
AMBULANCES JOANNES DOCQUIER
since 19912.055.005.970
Real-estate footprint
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25048F0166/00K002 | Wallonia | 2,086 m² | 1 · 462 m² | 7.0 m · 2 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2022net €82k ▲55.1%
Operating result €107k, net result €82k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €53k
Net result €53k after 2 loss-making years.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 3 days late
2020
07-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 7 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
2017
04-07
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.
Belgian State Gazette reading coverage
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Human health activities86903Human health activities86920
Names & trade names
| Legal nameFR | PERSONAID |
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