MICROFLUO
ActiveMICROFLUO has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.79M and a net result of €-14k. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 89% of 474 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-31
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95k at 30 days acceptable
Liquidity ample (current ratio 9.55 against 25.12 in 2024), and 9.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
90.8%
Return on assets
-0.7%
Age of the figures
8 mo
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
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
131 d late
2023
29 d late
2022
30 d late
2021
31 d late
2020
3 d late
2019
27 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-14k
2024 · €113k
2018: €193k
2019: €365k
2020: €452k
2021: €638k
2022: €434k
2023: €303k
2024: €113k
2018 → 2025
Working capital
€1.40M▼ 2.8%
2024 · €1.44M
2018: €374k
2019: €594k
2020: €787k
2021: €1.15M
2022: €1.34M
2023: €1.64M
2024: €1.44M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.17M-€1.39M▲ 18.8%€1.69M▲ 21.8%€1.80M▲ 6.7%€1.79M▼ 0.8%
Operating result€857k-€583k▼ 31.9%€407k▼ 30.2%€147k▼ 64.0%€-11k
Net result€638k-€434k▼ 32.0%€303k▼ 30.2%€113k▼ 62.8%€-14k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €147k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.97M
Fixed assets
€413k▲ 12.1%
Current assets
€1.56M▲ 4.2%
Equity and liabilities €1.97M
Equity
€1.79M▼ 0.8%
Debt
€181k▲ 203%
The debt ratio rises from 3.2% to 9.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€657▼
2024 · €157k
Cash flow
€-3k▼
2024 · €123k
Solvency
90.8%▼
2024 · 96.8%
Current ratio
9.55▼
2024 · 25.12
Quick ratio
5.67▼
2024 · 14.06
Debt / equity
0.10▲
2024 · 0.03
ROE
-0.8%▼
2024 · 6.2%
ROA
-0.7%▼
2024 · 6.0%
Interest coverage
0.12▼
2024 · 20.82
Debt
€181k▲
2024 · €60k
Debt ≤ 1 year
€163k▲
2024 · €60k
Income taxes
€165▼
2024 · €34k
Staff costs
€223k▲
2024 · €198k
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€1.86M€1.97M▲
Fixed assets21/28€368k€413k▲
Tangible fixed assets22/27€34k€78k▲
Land and buildings22€2k€2k▲
Plant, machinery and equipment23€26k€29k▲
Furniture and vehicles24€5k€9k▲
Other tangible fixed assets26-€38k
Financial fixed assets28€334k€334k=
Current assets29/58€1.50M€1.56M▲
Stocks and contracts in progress3€658k€633k▼
Stocks30/36€658k€633k▼
Amounts receivable within one year40/41€571k€873k▲
Trade receivables40€199k€303k▲
Other amounts receivable41€373k€571k▲
Current investments50/53€0-
Cash at bank and in hand54/58€265k€52k▼
Deferred charges and accrued income490/1€1k€624▼
Equity and liabilities
Total equity and liabilities10/49€1.86M€1.97M▲
Equity10/15€1.80M€1.79M▼
Contributions10/11€43k€43k=
Reserves13€1.75M€1.74M▼
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€1.75M€1.74M▼
Profit (loss) carried forward14€8k€3k▼
Amounts payable17/49€60k€181k▲
Amounts payable within one year42/48€60k€163k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€12k€110k▲
Suppliers440/4€12k€110k▲
Taxes, remuneration and social security45€39k€51k▲
Taxes450/3€14k€24k▲
Remuneration and social security454/9€25k€27k▲
Other amounts payable47/48€8k€2k▼
Accrued charges and deferred income492/3€251€18k▲
Income statement
Code20242025
Remuneration, social security and pensions62€198k€223k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€357k€226k▼
Operating profit (loss)9901€147k€-11k▼
Financial income75/76B€8k€2k▼
Recurring financial income75€8k€2k▼
Financial charges65/66B€8k€6k▼
Recurring financial charges65€8k€6k▼
Profit (loss) for the period before taxes9903€147k€-14k▼
Income taxes67/77€34k€165▼
Profit (loss) for the period9904€113k€-14k▼
Profit (loss) for the period to be appropriated9905€113k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€118k€-7k▼
Profit (loss) brought forward from the previous period14P€5k€8k▲
Transfer from equity791/2-€10k
Transfer to equity691/2€110k€0▼
To other reserves6921€110k€0▼
Social balance
Average headcount (FTE)90876.67.2▲
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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-14k ▼113%
Net result drops to €-14k, the lowest in the series.
09-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 131 days late
2024
31-12
Financial
Liquidity quadruplescurrent ratio 25.12
Current ratio from 6.43 to 25.12; short-term debt falls from €303k to €60k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €638k ▲41.2%
Operating result €857k, net result €638k, both a record.
31-12
Financial
Equity above €1MEq €1.17M ▲43.1%
4 profitable years in a row build equity to €1.17M.
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 3 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 27 days late
2019
31-12
Financial
Equity above €500kEq €651k ▲58.3%
2 profitable years in a row build equity to €651k.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 9 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
Gwenaël JORIS
CurrentDirector · since 12-12-2023
12-12-2023
Resigned as Manager
12-12-2023
Appointed as Director
Location & real-estate footprint
Registered office, Liège · 4 establishment units since 2013
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.
Avenue de la Cokerie 474030 LiègeGround area
1.2 ha
Building footprint
7,233 m²
Volume, LiDAR
7,138 m³
4 parcels, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
4 establishment units
Avenue de la Cokerie 47, 4030 Liège
since 20132.220.255.764
Rue Paul Pastur 153/3, 7390 Quaregnon
since 20152.245.291.464
Chaussée de Namur,Leuze 303, 5310 Eghezée
since 20152.245.291.662
MICROFLUO
since 20252.373.044.919
4 parcels
Wallonia
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53065A0461/00X008 | Wallonia | 6,601 m² | 1 · 4,611 m² | - |
| 62353D0313/00K000 | Wallonia | 4,018 m² | 1 · 1,486 m² | 5.5 m · 1 fl. |
| 92072C0025/00L002 | Wallonia | 1,413 m² | 1 · 994 m² | - |
| 62047C1255/00P010 | Wallonia | 369 m² | 1 · 142 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
MULTI CLEVER TRADE
BE 0562.952.168
Sprimont · Eq €1.80M
CAPANDER
BE 0650.673.624
Anderlues · Eq €1.80M
STOCK AMERICAIN - BRICO
BE 0439.160.867
Frameries · Eq €1.77M
EURO HOME MARKET
BE 0676.411.682
Antwerpen · Eq €1.77M
V.T.S.
BE 0452.537.365
Charleroi · Eq €1.76M
Of 12,971 companies in sector 47120 we hold annual accounts for 2,176. 660 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2013
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.