Michel ROSSI
ActiveMichel ROSSI has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43k and a net result of €5k. Equity is growing by ~29.4% per year across the filed fiscal years. Its solvency ranks better than 75% of 1543 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-4
Solvency86▲+4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.99 against 1.7 in 2024; short-term debt: 39.4% of total assets), and 39.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← 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
60.6%
Return on assets
7.8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
63 d early
2024
73 d early
2023
27 d early
2022
31 d late
2021
24 d late
2020
30 d late
2019
68 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€43k▲ 14.7%
2024 · €37k
2018: €-2k
2019: €2k
2020: €8k
2021: €16k
2022: €34k
2023: €30k
2024: €37k
2018 → 2025
Total assets
€71k▲ 8.1%
2024 · €65k
2018: €16k
2019: €18k
2020: €20k
2021: €24k
2022: €50k
2023: €53k
2024: €65k
2018 → 2025
Net result
€5k▼ 20.1%
2024 · €7k
2018: €6k
2019: €4k
2020: €6k
2021: €8k
2022: €18k
2023: €-3k
2024: €7k
2018 → 2025
Working capital
€27k▲ 39.2%
2024 · €20k
2018: €-4k
2019: €-765
2020: €4k
2021: €14k
2022: €32k
2023: €26k
2024: €20k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€34k▲ 111%€30k▼ 9.4%€37k▲ 22.5%€43k▲ 14.7%
Operating result€9k-€24k▲ 185%€-3k€11k€10k▼ 16.1%
Net result€8k-€18k▲ 127%€-3k€7k€5k▼ 20.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 16% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €71k
Fixed assets
€15k▼ 12.6%
Current assets
€55k▲ 15.7%
Equity and liabilities €71k
Equity
€43k▲ 14.7%
Debt
€28k▼ 0.8%
The debt ratio falls from 42.9% to 39.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17k▼
2024 · €17k
Cash flow
€12k▲
2024 · €12k
Solvency
60.6%▲
2024 · 57.1%
Current ratio
1.99▲
2024 · 1.70
Quick ratio
1.99▲
2024 · 1.70
Debt / equity
0.65▼
2024 · 0.75
ROE
12.8%▼
2024 · 18.4%
ROA
7.8%▼
2024 · 10.5%
Interest coverage
72.20▲
2024 · 15.33
Debt
€28k▼
2024 · €28k
Debt ≤ 1 year
€28k▼
2024 · €28k
Income taxes
€4k▲
2024 · €3k
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€65k€71k▲
Fixed assets21/28€18k€15k▼
Tangible fixed assets22/27€15k€13k▼
Plant, machinery and equipment23€1k€4k▲
Furniture and vehicles24€14k€9k▼
Financial fixed assets28€2k€2k=
Current assets29/58€48k€55k▲
Amounts receivable within one year40/41€23k€11k▼
Trade receivables40€23k€11k▼
Other amounts receivable41€32-
Current investments50/53-€44k
Cash at bank and in hand54/58€25k-
Deferred charges and accrued income490/1€178€112▼
Equity and liabilities
Total equity and liabilities10/49€65k€71k▲
Equity10/15€37k€43k▲
Contributions10/11€15k€15k=
Reserves13-€5k
Distributable reserves133-€5k
Profit (loss) carried forward14€22k€22k=
Amounts payable17/49€28k€28k▼
Amounts payable within one year42/48€28k€28k▼
Trade debts44€203€282▲
Suppliers440/4€203€282▲
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€7k€5k▼
Other amounts payable47/48€20k€23k▲
Income statement
Code20242025
Non-recurring operating income76A€3k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€7k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€111
Other operating charges640/8€3k€1k▼
Gross operating margin9900€20k€18k▼
Operating profit (loss)9901€11k€10k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€1k€230▼
Recurring financial charges65€1k€230▼
Non-recurring financial charges66B€80-
Profit (loss) for the period before taxes9903€10k€9k▼
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€7k€5k▼
Profit (loss) for the period to be appropriated9905€7k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€28k▲
Profit (loss) brought forward from the previous period14P€15k€22k▲
Transfer to equity691/2-€5k
To other reserves6921-€5k
The notes to these accounts (6 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-3k ▼118%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €18k ▲127%
Operating result €24k, net result €18k, both a record.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 68 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Liège · 1 establishment unit since 2006
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.
Jonruelle 404000 LiègeGround area
1,808 m²
Building footprint
738 m²
Volume, LiDAR
4,814 m³
2 parcels, Wallonia · tallest building 15.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
ATELIER 13
since 20062.155.888.049
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62810B1230/00W000 | Wallonia | 1,673 m² | 1 · 670 m² | 6.7 m · 2 fl. |
| 62810B0833/00E002 | Wallonia | 134 m² | 1 · 68 m² | 15.6 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLiège2.155.888.049
Similar companies · same sector, comparable size
SPRIMAUDRIAN
BE 0546.782.961
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IJssloeberke Productie
BE 0415.905.514
Kasterlee · Eq €42k
MISKA
BE 0805.915.788
Vorst · Eq €44k
Surprice Desserts
BE 0823.243.750
Houthulst · Eq €44k
IJSMEISJE
BE 0809.990.580
Nieuwerkerken (Limb.) · Eq €45k
Of 611 companies in sector 10520 we hold annual accounts for 236. 192 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-2005
Fiscal year end31-12
Activities, NACEBEL
10520Manufacture of food products
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 21 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.