DR. MICHEL BOTTU
ActiveDR. MICHEL BOTTU has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €816k and a net result of €111k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 636 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+15
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 30.58 against 7.08 in 2024; short-term debt: 3% and cash: 50.3% of total assets), and 3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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
97%
Return on assets
13.2%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
on the day
2023
31 d early
2022
on the day
2021
59 d early
2020
9 d early
2019
on the day
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€111k▲ 5.9%
2024 · €105k
2018: €49k
2019: €66k
2020: €80k
2021: €126k
2022: €96k
2023: €104k
2024: €105k
2018 → 2025
Working capital
€754k▲ 21.0%
2024 · €624k
2018: €378k
2019: €459k
2020: €462k
2021: €511k
2022: €563k
2023: €638k
2024: €624k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€525k-€603k▲ 14.9%€666k▲ 10.4%€705k▲ 5.9%€816k▲ 15.8%
Operating result€173k-€167k▼ 3.6%€171k▲ 2.5%€131k▼ 23.1%€155k▲ 17.7%
Net result€126k-€96k▼ 24.1%€104k▲ 8.2%€105k▲ 1.1%€111k▲ 5.9%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 18% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €842k
Fixed assets
€62k▼ 24.0%
Current assets
€780k▲ 7.4%
Equity and liabilities €842k
Equity
€816k▲ 15.8%
Debt
€26k▼ 75.1%
The debt ratio falls from 12.7% to 3.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€176k▲
2024 · €159k
Cash flow
€133k=
2024 · €133k
Solvency
97.0%▲
2024 · 87.3%
Current ratio
30.58▲
2024 · 7.08
Quick ratio
30.58▲
2024 · 7.08
Debt / equity
0.03▼
2024 · 0.15
ROE
13.6%▼
2024 · 14.9%
ROA
13.2%▲
2024 · 13.0%
Interest coverage
147.78▲
2024 · -22.18
Debt
€26k▼
2024 · €103k
Debt ≤ 1 year
€26k▼
2024 · €103k
Income taxes
€49k▲
2024 · €40k
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€808k€842k▲
Fixed assets21/28€81k€62k▼
Tangible fixed assets22/27€81k€62k▼
Land and buildings22€17k€14k▼
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€62k€44k▼
Current assets29/58€726k€780k▲
Amounts receivable within one year40/41€23k€20k▼
Other amounts receivable41€23k€20k▼
Current investments50/53€277k€336k▲
Cash at bank and in hand54/58€427k€423k▼
Equity and liabilities
Total equity and liabilities10/49€808k€842k▲
Equity10/15€705k€816k▲
Contributions10/11€19k€19k=
Outside capital11-€19k
Other1109/19-€19k
Reserves13€686k€798k▲
Non-distributable reserves130/1-€2k
Legal reserve130-€2k
Distributable reserves133€686k€796k▲
Amounts payable17/49€103k€26k▼
Amounts payable within one year42/48€103k€26k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€14k-
Taxes450/3€14k-
Other amounts payable47/48€87k€23k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€22k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€161k€178k▲
Operating profit (loss)9901€131k€155k▲
Financial income75/76B€6k€7k▲
Recurring financial income75€6k€7k▲
Financial charges65/66B€-7k€1k▲
Recurring financial charges65€-7k€1k▲
Profit (loss) for the period before taxes9903€145k€160k▲
Income taxes67/77€40k€49k▲
Profit (loss) for the period9904€105k€111k▲
Profit (loss) for the period to be appropriated9905€105k€111k▲
Appropriation of the result
Profit (loss) to be appropriated9906€105k€111k▲
Transfer from equity791/2€66k-
Transfer to equity691/2€105k€111k▲
To other reserves6921€105k€111k▲
Profit to be distributed694/7€66k-
Return on contributions (dividend)694€66k-
The notes to these accounts (4 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 28 days late
2025
31-12
Financial
Liquidity quadruplescurrent ratio 30.58
Current ratio from 7.08 to 30.58; short-term debt falls from €103k to €26k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 12.02
Current ratio from 5.56 to 12.02; short-term debt falls from €112k to €51k.
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €126k ▲57.2%
Operating result €173k, net result €126k, both a record.
31-12
Financial
Equity above €500kEq €525k ▲10.7%
4 profitable years in a row build equity to €525k.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 13 days late
2017
22-06
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
3 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, Lummen · 1 establishment unit since 2001
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.
Sacramentstraat 203560 LummenGround area
961 m²
Building footprint
196 m²
Volume, LiDAR
1,157 m³
Parcel 71037A0982/00F000, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sacramentstraat 20, 3560 Lummen
since 20012.201.602.565
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71037A0982/00F000 | Flanders | 961 m² | 1 · 196 m² | 10.4 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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Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 4,365 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2001
Fiscal year end31-12
Activities, NACEBEL
86210General medical practice
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.