ProductMicrobe
ActiveProductMicrobe has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €157k and a net result of €61k. Equity is growing by ~14.5% per year across the filed fiscal years. Its solvency ranks better than 90% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +48 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency100=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 9.1 against 7.96 in 2024), and 8.5% 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+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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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 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
91.5%
Return on assets
35.3%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
on the day
2021
3 d early
2020
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€157k▲ 47.6%
2024 · €106k
2020: €44k
2021: €100k
2022: €130k
2023: €110k
2024: €106k
2020 → 2025
Total assets
€172k▲ 42.5%
2024 · €120k
2020: €59k
2021: €128k
2022: €149k
2023: €142k
2024: €120k
2020 → 2025
Net result
€61k
2024 · €-4k
2020: €42k
2021: €56k
2022: €28k
2023: €354
2024: €-4k
2020 → 2025
Working capital
€119k▲ 20.8%
2024 · €98k
2020: €40k
2021: €94k
2022: €124k
2023: €107k
2024: €98k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€100k-€130k▲ 30.1%€110k▼ 15.1%€106k▼ 3.5%€157k▲ 47.6%
Operating result€73k-€35k▼ 52.0%€1k▼ 97.0%€-4k€81k
Net result€56k-€28k▼ 50.4%€354▼ 98.7%€-4k€61k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €81k after a loss of €4k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €172k
Fixed assets
€38k▲ 369%
Current assets
€133k▲ 18.7%
Equity and liabilities €172k
Equity
€157k▲ 47.6%
Debt
€15k▲ 3.8%
The debt ratio falls from 11.7% to 8.5%: equity grows faster than debt.
Key figures and ratios
EBITDA
€86k▲
2024 · €-548
Cash flow
€65k▲
2024 · €-608
Solvency
91.5%▲
2024 · 88.3%
Current ratio
9.10▲
2024 · 7.96
Quick ratio
9.10▲
2024 · 7.96
Debt / equity
0.09▼
2024 · 0.13
ROE
38.6%▲
2024 · -3.7%
ROA
35.3%▲
2024 · -3.2%
Interest coverage
690.44▲
2024 · -4.81
Debt
€15k▲
2024 · €14k
Debt ≤ 1 year
€15k▲
2024 · €14k
Income taxes
€21k▲
2024 · €-22
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€120k€172k▲
Fixed assets21/28€8k€38k▲
Tangible fixed assets22/27€8k€38k▲
Plant, machinery and equipment23€8k€33k▲
Furniture and vehicles24€441€5k▲
Current assets29/58€112k€133k▲
Amounts receivable within one year40/41€15k€6k▼
Trade receivables40€15k€1k▼
Other amounts receivable41-€5k
Cash at bank and in hand54/58€97k€127k▲
Deferred charges and accrued income490/1€382€446▲
Equity and liabilities
Total equity and liabilities10/49€120k€172k▲
Equity10/15€106k€157k▲
Contributions10/11€2k€2k=
Reserves13€104k€155k▲
Distributable reserves133€104k€155k▲
Amounts payable17/49€14k€15k▲
Amounts payable within one year42/48€14k€15k▲
Trade debts44€458€820▲
Suppliers440/4€458€820▲
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€3k€893▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€9k€11k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€525€631▲
Non-recurring operating charges66A-€728
Gross operating margin9900€-23€87k▲
Operating profit (loss)9901€-4k€81k▲
Financial income75/76B€32-
Recurring financial income75€32-
Financial charges65/66B€114€124▲
Recurring financial charges65€114€124▲
Profit (loss) for the period before taxes9903€-4k€81k▲
Income taxes67/77€-22€21k▲
Profit (loss) for the period9904€-4k€61k▲
Profit (loss) for the period to be appropriated9905€-4k€61k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€61k▲
Transfer from equity791/2€4k-
Transfer to equity691/2-€51k
To other reserves6921-€51k
Profit to be distributed694/7-€10k
Return on contributions (dividend)694-€10k
The notes to these accounts (7 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €61k
Net result €61k after one loss-making year.
30-06
Financial
Equity above €150kEq €157k ▲47.6%
Equity rises from €106k to €157k.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €-4k ▼1198%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €100kEq €130k ▲30.1%
3 profitable years in a row build equity to €130k.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Gent · 1 establishment unit since 2019
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.
Adolf Baeyensstraat 1099040 GentGround area
246 m²
Building footprint
89 m²
Volume, LiDAR
120 m³
Parcel 44432C0997/00L003, Flanders · tallest building 8.7 m. Linked by address, not a title deed.
1 establishment unit
ProductMicrobe
since 20192.291.177.315
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44432C0997/00L003 | Flanders | 246 m² | 1 · 89 m² | 8.7 m |
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 82,241 companies in sector 70200 we hold annual accounts for 52,391. 40,622 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2019
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.productmicro.be
E-mail:jonas.vanpoucke@productmicro.be