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Michelle Moons

Active
Private limited companyfounded 20223 yrs activeWaarloossteenweg 1, 2570 Duffel, BelgiumKBO/BCE: BE 0794.820.473
Summary

Michelle Moons has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33,340 and a net result of €7,424. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 69% of 16765 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability91▲+59
Solvency100▲+14
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 6.28 against 2.82 in 2024; short-term debt: 13.8% and cash: 16.4% of total assets), and 19.7% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
80.3%
Return on assets
17.9%
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 16-07-2026, 15 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
15 d early
2024
on the day
2023
14 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 10 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 18 July (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 15 December 2022, Michelle Moons was incorporated as a Private limited company.1 Total assets went from EUR 38,130 in 2023 to EUR 41,542 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2023 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€33,340▲ 28.6%
2024 · €25,916
Total assets
€41,542▼ 1.7%
2024 · €42,279
Net result
€7,424
2024 · -€1,011
Working capital
€30,307▲ 11.0%
2024 · €27,305
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line202320242025
Operating result€33,426-€21▼ 99.9%€10,607▲ 51,616%
Net result€24,928within the sector's middle half--€1,011below the sector's middle half€7,424below the sector's middle half
Equity€26,928below the sector's middle half-€25,916below the sector's middle half▼ 3.8%€33,340below the sector's middle half▲ 28.6%
Total assets€38,130below the sector's middle half-€42,279below the sector's middle half▲ 10.9%€41,542below the sector's middle half▼ 1.7%
Debt€11,202-€16,363▲ 46.1%€8,202▼ 49.9%
Working capital€26,928within the sector's middle half-€27,305within the sector's middle half▲ 1.4%€30,307within the sector's middle half▲ 11.0%
Solvency70.6%within the sector's middle half-61.3%within the sector's middle half▼ 9.3pp80.3%within the sector's middle half▲ 19.0pp
Current ratio3.40within the sector's middle half-2.82within the sector's middle half▼ 0.586.28within the sector's middle half▲ 3.45
Return on assets (ROA)65.4%above the sector's middle half--2.4%below the sector's middle half▼ 67.8pp17.9%within the sector's middle half▲ 20.3pp
above within below the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€10,000€0€10,000€20,000€30,000Operating result 2023: €33,426€33,426Net result 2023: €24,928€24,928Operating result 2024: €21€21Net result 2024: -€1,011-€1,011Operating result 2025: €10,607€10,607Net result 2025: €7,424€7,424202320242025-€10,000€0€10,000€20,000€30,000Operating result 2023: €33,426€33,400Net result 2023: €24,928€24,900Operating result 2024: €21€21Net result 2024: -€1,011-€1,010Operating result 2025: €10,607€10,600Net result 2025: €7,424€7,420202320242025
The operating result recovers in 2025; 2025 is 51,616% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €41,542
Fixed assets €5,491
Current assets €36,052
Equity and liabilities €41,542
Equity €33,340 ▲ 28.6%
Debt €8,202 ▼ 49.9%
Debt's share of the balance-sheet total falls from 38.7% to 19.7%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€11,519
Cash flow
€8,336
Debt to equity
0.25▼
2024 · 0.63
ROE
22.3%▲
2024 · -3.9%
Interest coverage
20.57
Debt ≤ 1 year
€5,745▼
2024 · €14,974
Debt > 1 year
€2,457
Income taxes
€2,623▲
2024 · €973
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.3% stopped otherwise
96% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet Code20242025
Assets
Total assets20/58€42,279€41,542▼
Fixed assets21/28-€5,491
Tangible fixed assets22/27-€5,491
Furniture and vehicles24-€5,491
Current assets29/58€42,279€36,052▼
Amounts receivable within one year40/41€35,140€29,227▼
Trade receivables40€21,381€10,261▼
Other amounts receivable41€13,760€18,966▲
Cash at bank and in hand54/58€6,742€6,825▲
Deferred charges and accrued income490/1€398-
Equity and liabilities
Total equity and liabilities10/49€42,279€41,542▼
Equity10/15€25,916€33,340▲
Contributions10/11€2,000€2,000=
Reserves13€23,916€31,340▲
Distributable reserves133€23,916€31,340▲
Amounts payable17/49€16,363€8,202▼
Amounts payable after more than one year17-€2,457
Financial debts170/4-€2,457
Amounts payable within one year42/48€14,974€5,745▼
Current portion of amounts payable after more than one year42-€1,770
Financial debts43€6,639-
Credit institutions430/8€6,639-
Trade debts44€640€47▼
Suppliers440/4€640€47▼
Taxes, remuneration and social security45€7,695€3,928▼
Taxes450/3€5,095€1,819▼
Remuneration and social security454/9€2,600€2,110▼
Accrued charges and deferred income492/3€1,389-
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€912
Other operating charges640/8€702€894▲
Gross operating margin9900€722€12,413▲
Operating profit (loss)9901€21€10,607▲
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€60€560▲
Recurring financial charges65€60€560▲
Profit (loss) for the period before taxes9903-€39€10,047▲
Income taxes67/77€973€2,623▲
Profit (loss) for the period9904-€1,011€7,424▲
Profit (loss) for the period to be appropriated9905-€1,011€7,424▲
Appropriation of the result
Profit (loss) to be appropriated9906-€1,011€7,424▲
Transfer from equity791/2€1,011-
Transfer to equity691/2-€7,424
To other reserves6921-€7,424

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,815-€912-
Other operating charges640/8€722€702€894▲ 27.4%
Gross operating margin9900€35,963€722€12,413▲ 1,619%
Operating profit (loss)9901€33,426€21€10,607▲ 51,616%
Financial income75/76B€13€1--
Recurring financial income75€13€1--
Financial charges65/66B€53€60€560▲ 833%
Recurring financial charges65€53€60€560▲ 833%
Profit (loss) for the period before taxes9903€33,385-€39€10,047▲ 26,048%
Income taxes67/77€8,458€973€2,623▲ 170%
Profit (loss) for the period9904€24,928-€1,011€7,424▲ 834%
Profit (loss) for the period to be appropriated9905€24,928-€1,011€7,424▲ 834%
Line202320242025Change
Assets
Total assets20/58€38,130€42,279€41,542▼ 1.7%
Fixed assets21/28--€5,491-
Tangible fixed assets22/27--€5,491-
Furniture and vehicles24--€5,491-
Current assets29/58€38,130€42,279€36,052▼ 14.7%
Amounts receivable within one year40/41€34,197€35,140€29,227▼ 16.8%
Trade receivables40€34,197€21,381€10,261▼ 52.0%
Other amounts receivable41-€13,760€18,966▲ 37.8%
Cash at bank and in hand54/58€3,395€6,742€6,825▲ 1.2%
Deferred charges and accrued income490/1€538€398--
Equity and liabilities
Total equity and liabilities10/49€38,130€42,279€41,542▼ 1.7%
Equity10/15€26,928€25,916€33,340▲ 28.6%
Contributions10/11€2,000€2,000€2,000=
Reserves13€24,928€23,916€31,340▲ 31.0%
Distributable reserves133€24,928€23,916€31,340▲ 31.0%
Amounts payable17/49€11,202€16,363€8,202▼ 49.9%
Amounts payable after more than one year17--€2,457-
Financial debts170/4--€2,457-
Amounts payable within one year42/48€11,202€14,974€5,745▼ 61.6%
Current portion of amounts payable after more than one year42--€1,770-
Financial debts43-€6,639--
Credit institutions430/8-€6,639--
Trade debts44€549€640€47▼ 92.7%
Suppliers440/4€549€640€47▼ 92.7%
Taxes, remuneration and social security45€7,247€7,695€3,928▼ 49.0%
Taxes450/3€4,667€5,095€1,819▼ 64.3%
Remuneration and social security454/9€2,580€2,600€2,110▼ 18.9%
Other amounts payable47/48€3,406---
Accrued charges and deferred income492/3-€1,389--
Line202320242025Change
Profit (loss) for the period9904€24,928-€1,011€7,424▲ 834%
+ Depreciation and write-downs630€1,815-€912-
Operating cash flow (approximation)€26,743-€1,011€8,336▲ 924%
Change in cash-€3,347€83▼ 97.5%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
16-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Back to profitnet €7,424
Net result €7,424 after one loss-making year.
31-12
Financial Liquidity doublescurrent ratio 6.28
Current ratio from 2.82 to 6.28; short-term debt falls from €14,974 to €5,745.
31-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Weakest financial yearnet -€1,011
Net result drops to -€1,011, the lowest in the series; recovery starts the following year.
17-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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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, Duffel · 1 establishment unit since 2022
seat establishment approximate The establishment unit on the map
Ground area
2,795 m²
Parcel 12009E0091/02_000, Flanders. Linked by address, not a title deed.
1 establishment unit
Michelle Moons
Waarloossteenweg 1, 2570 DuffelHuman health activities
since 20222.339.097.986
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
12009E0091/02_000 Flanders 2,795 m² - -
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Public money · subsidies and aid

Flemish government

2023 to 2025 · 3 entries · 1,070 EUR awarded · 1,475 EUR paid
Year Entries awardedpaid
2025 1 164 EUR164 EUR
2024 1 540 EUR540 EUR
2023 1 366 EUR771 EUR
Schemes
3 entries · 1,070 EUR · 1,475 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Of 12,696 companies in sector 86951 we hold annual accounts for 2,146. 1,944 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded15-12-2022
Fiscal year end31-12
Activities, NACEBEL 2025
86951Physiotherapy
96993Pet care services, excluding veterinary services
E-invoicing
Reachable via Peppol
Peppol ID 0208:0794820473
Also 9925:BE0794820473
Registered 03-08-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.