Shannen MICHAELI
ActiveShannen MICHAELI has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €32k and a net result of €26k. Its solvency ranks better than 45% of 19907 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency88
Growth-
Track record67
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.54; short-term debt: 36.8% and cash: 57.2% of total assets), and 36.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-08-2025, 20 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 · 1 filingDeviation from the deadline
2024
20 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€32k
Total assets
€50k
Net result
€26k
Working capital
€28k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €50k
Fixed assets
€3k
Current assets
€47k
Equity and liabilities €50k
Equity
€32k
Debt
€19k
Debt finances 36.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€36k
Cash flow
€26k
Solvency
63.2%
Current ratio
2.54
Quick ratio
2.54
Debt / equity
0.58
ROE
81.1%
ROA
51.3%
Interest coverage
510.00
Debt
€19k
Debt ≤ 1 year
€19k
Income taxes
€10k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€50k
Fixed assets21/28€3k
Tangible fixed assets22/27€3k
Plant, machinery and equipment23€3k
Current assets29/58€47k
Amounts receivable within one year40/41€17k
Trade receivables40€17k
Cash at bank and in hand54/58€29k
Deferred charges and accrued income490/1€1k
Equity and liabilities
Total equity and liabilities10/49€50k
Equity10/15€32k
Contributions10/11€6k
Reserves13€26k
Distributable reserves133€26k
Amounts payable17/49€19k
Amounts payable within one year42/48€19k
Trade debts44€908
Suppliers440/4€908
Taxes, remuneration and social security45€16k
Taxes450/3€6k
Remuneration and social security454/9€10k
Other amounts payable47/48€2k
Income statement
Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€625
Other operating charges640/8€506
Gross operating margin9900€37k
Operating profit (loss)9901€36k
Financial charges65/66B€71
Recurring financial charges65€71
Profit (loss) for the period before taxes9903€36k
Income taxes67/77€10k
Profit (loss) for the period9904€26k
Profit (loss) for the period to be appropriated9905€26k
Appropriation of the result
Profit (loss) to be appropriated9906€26k
Transfer to equity691/2€26k
To other reserves6921€26k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
NBB filing
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, Sankt Vith · 1 establishment unit since 2024
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.
Zur Burg 24780 Sankt Vith1 establishment unit
Shannen MICHAELI
since 20242.360.492.426
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Of 6,942 companies in sector 86230 we hold annual accounts for 4,291. 2,641 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-05-2024
Fiscal year end31-12
Activities, NACEBEL
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filing
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:shannen.michaeli@gmail.com