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WOZ

Active
Private limited company·Activiteiten van medisch specialisten· 2 yrs active
Kareelveld 22 ·3000 Leuven, Belgium
KBO/BCE: BE 1004.091.837
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Age2 yrs
Real estate1 parcel · 571 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of WOZ is 0.2% (very low). The 2024 annual accounts show equity of €57k and a net result of €52k. Its solvency ranks better than 50% of 6584 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-07-2025, 3 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. 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 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 28-07-2025 3 d early 2025-00316223

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
Young company
Founded in 2024, under 3 years, statistically higher risk.
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 +

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€52k
Working capital€57k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 28-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 86, Human health · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 66.6% 66.7%
better than 50% of 6584 sector peers
Net result €52k €46k
better than 54% of 6578 sector peers
Equity €57k €79k
better than 40% of 6584 sector peers
Gross operating margin €69k €78k
better than 45% of 6586 sector peers
Total assets €85k €154k
better than 28% of 6587 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€68k
Net profit€52k
Cash flow€52k
Staff costs-
Income taxes€15k
Dividends-
Total assets€85k
Equity€57k
Debt€28k
of which ≤ 1y€28k
of which > 1y-
Working capital€57k
Employees (FTE)-
Ratios (computed)
2024
Current ratio2.99
Quick ratio2.99
Working capital ratio66.6%
Solvency66.6%
Debt / equity0.50
Long-term debt ratio-
Interest coverage112.78
Gross margin-
Net margin-
ROA60.7%
ROE91.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (18 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€85k
Current assets 29/58€85k
Amounts receivable within one year 40/41€17k
Cash & bank 54/58€66k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€85k
Equity 10/15€57k
Contributions / capital 10/11€5k
Reserves 13€52k
Amounts payable 17/49€28k
Amounts payable within one year 42/48€28k
Trade debts payable within one year 44€767
Income statement
Gross operating margin 9900€69k
Operating result 9901€67k
Financial charges 65€603
Result before taxes 9903€67k
Income taxes 67/77€15k
Net result for the period 9904€52k
Result to be appropriated 9905€52k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
93 / 100 Excellent
050100
Computed from 4 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 2024. 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.

Kareelveld 223000 Leuven

Establishment units

1 location
WOZ
Kareelveld 22, 3000 LeuvenActiviteiten van medisch specialisten
since 20242.354.690.143
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area571 m²
Buildings1
Building footprint94 m²
Volume (LiDAR)554 m³
Tallest building10.7 m · ±2 fl.

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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24505I0086/00Y002 Flanders 571 m² 1 · 94 m² 10.7 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

4 of 5 axes measured
Health93Profitability100Solvency100Growth-Stability67
90 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 93
Profitability 100
Solvency 100
Growth -
Stability 67

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,985 of the 16,606 companies in this sector. 1,638 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Praktijken van specialisten86220Activiteiten van medisch specialisten86220Overige menselijke gezondheidszorg, n.e.g.86909Activiteiten op het gebied van voeding86995
Primary activity highlighted.
Names & trade names
Legal nameNL WOZ
Registered office
Kareelveld 22
3000 Leuven, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.