Michaël, Tom, Sam is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €250k and a net result of €111k. Equity is growing by ~42.6% per year across the filed fiscal years. Its solvency ranks better than 46% of 5521 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
29 d late
2024
28 d late
2023
23 d late
2022
24 d late
2021
26 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€250k▲ 79.6%
2024 · €139k
2021: €-7k
2022: €89k
2023: €132k
2024: €139k
2021 → 2025
Net result
€111k▲ 1,471%
2024 · €7k
2021: €-7k
2022: €96k
2023: €43k
2024: €7k
2021 → 2025
Total assets
€533k▲ 3.3%
2024 · €516k
2021: €332k
2022: €336k
2023: €332k
2024: €516k
2021 → 2025
Solvency
46.8%▲ 19.9pp
2024 · 26.9%
2021: -2.0%
2022: 26.5%
2023: 39.7%
2024: 26.9%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€62k-€157k▲ 152%
Equity€-7k-€89k€132k▲ 48.7%€139k▲ 5.3%€250k▲ 79.6%
Operating result€-2k-€100k€47k▼ 53.1%€10k▼ 78.8%€14k▲ 42.3%
Net result€-7k-€96k€43k▼ 54.8%€7k▼ 83.7%€111k▲ 1,471%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 42% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €533k
Fixed assets
€504k▲ 1.1%
Current assets
€29k▲ 69.5%
Equity and liabilities €533k
Equity
€250k▲ 79.6%
Debt
€284k▼ 24.8%
The debt ratio falls from 73.1% to 53.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
46.8%▲
2024 · 26.9%
ROE
44.3%▲
2024 · 5.1%
ROA
20.7%▲
2024 · 1.4%
Debt
€284k▼
2024 · €377k
Debt ≤ 1 year
€56k▼
2024 · €102k
Debt > 1 year
€227k▼
2024 · €275k
Income taxes
€834
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€516k€533k▲
Fixed assets21/28€499k€504k▲
Tangible fixed assets22/27-€5k
Furniture and vehicles24-€5k
Financial fixed assets28€499k€499k=
Current assets29/58€17k€29k▲
Amounts receivable within one year40/41€30€26k▲
Trade receivables40-€7k
Other amounts receivable41€30€19k▲
Cash at bank and in hand54/58€17k€3k▼
Equity and liabilities
Total equity and liabilities10/49€516k€533k▲
Equity10/15€139k€250k▲
Contributions10/11€100€100=
Profit (loss) carried forward14€139k€250k▲
Amounts payable17/49€377k€284k▼
Amounts payable after more than one year17€275k€227k▼
Financial debts170/4€100k€53k▼
Other amounts payable178/9€175k€175k=
Amounts payable within one year42/48€102k€56k▼
Current portion of amounts payable after more than one year42€47k€48k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€4k€7k▲
Taxes450/3€4k€4k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€48k€126▼
Accrued charges and deferred income492/3-€195
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€445
Other operating charges640/8€387€784▲
Gross operating margin9900€10k€15k▲
Operating profit (loss)9901€10k€14k▲
Financial income75/76B-€100k
Recurring financial income75-€100k
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€7k€111k▲
Income taxes67/77-€834
Profit (loss) for the period9904€7k€111k▲
Profit (loss) for the period to be appropriated9905€7k€111k▲
Appropriation of the result
Profit (loss) to be appropriated9906€139k€250k▲
Profit (loss) brought forward from the previous period14P€132k€139k▲
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
Next filing, fiscal year 2026, expected by
2026
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
31-12
Financial
Highest result since 2021net €111k ▲1471%
Net result €111k, the highest in the series.
31-12
Financial
Equity above €200kEq €250k ▲79.6%
4 profitable years in a row build equity to €250k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Equity above €100kEq €132k ▲48.7%
2 profitable years in a row build equity to €132k.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 24 days late
2022
31-12
Financial
Back to profitnet €96k
Net result €96k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 26 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, Anhée · 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 Caneva,Salet 275537 AnhéeGround area
1,142 m²
Building footprint
111 m²
Volume, LiDAR
706 m³
Parcel 91233A0167/00H000, Wallonia · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Michaël, Tom, Sam srl
since 20202.310.569.593
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91233A0167/00H000 | Wallonia | 1,142 m² | 1 · 111 m² | 7.5 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 24,728 companies in sector 64210 we hold annual accounts for 19,760. 13,651 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-11-2020
Fiscal year end31-12
Abbreviation FR
M.T.S.
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
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
2 entriesE-mail:piet055@hotmail.com
Phone:+32475323218