Vinciane Michaux Management
ActiveSummary
Vinciane Michaux Management has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €10k and a net result of €2k. Its solvency ranks better than 24% of 133 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2026
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability74▼-14
Solvency44▼-20
Growth52
Track record82
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.82 against 1.19 in 2025; short-term debt: 47.9% and cash: 34.4% of total assets), and 81.3% 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 69
Relative position
BE, all sectors
reference
Sector 69
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 133 sector peers (2026).
NBB · sector comparisonPosition among 133 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 01-09-2026, 60 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2026
60 d early
2025
53 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€10k▲ 18.8%
2025 · €8k
2025: €8k
2025 → 2026
Total assets
€53k▲ 148%
2025 · €22k
2025: €22k
2025 → 2026
Net result
€2k▼ 28.3%
2025 · €3k
2025: €3k
2025 → 2026
Working capital
€-5k
2025 · €3k
2025: €3k
2025 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20252026Trend
Equity€8k-€10k▲ 18.8%
Operating result€5k-€6k▲ 40.5%
Net result€3k-€2k▼ 28.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2026; 2026 is 41% above 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €53k
Fixed assets
€32k ▲ 452%
Current assets
€21k ▲ 34.3%
Equity and liabilities €53k
Equity
€10k ▲ 18.8%
Debt
€44k ▲ 230%
Debt's share of the balance-sheet total rises from 61.0% to 81.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€10k▲
2025 · €6k
Cash flow
€6k▲
2025 · €5k
Current ratio
0.82▼
2025 · 1.19
Debt to equity
4.36▲
2025 · 1.57
ROE
24.4%▼
2025 · 40.5%
ROA
4.6%▼
2025 · 15.8%
Interest coverage
17.11▼
2025 · 625292.00
Debt ≤ 1 year
€26k▲
2025 · €13k
Debt > 1 year
€18k
Income taxes
€3k▲
2025 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2026 against 2025 · 43 lines
Balance sheet
Code20252026
Assets
Total assets20/58€22k€53k▲
Fixed assets21/28€6k€32k▲
Tangible fixed assets22/27€6k€32k▲
Furniture and vehicles24€6k€32k▲
Current assets29/58€16k€21k▲
Amounts receivable within one year40/41€8k-
Trade receivables40€8k-
Cash at bank and in hand54/58€8k€18k▲
Deferred charges and accrued income490/1€440€3k▲
Equity and liabilities
Total equity and liabilities10/49€22k€53k▲
Equity10/15€8k€10k▲
Contributions10/11€5k€5k=
Reserves13€3k€4k▲
Distributable reserves133€3k€4k▲
Profit (loss) carried forward14€405€987▲
Amounts payable17/49€13k€44k▲
Amounts payable after more than one year17-€18k
Financial debts170/4-€18k
Amounts payable within one year42/48€13k€26k▲
Current portion of amounts payable after more than one year42-€10k
Trade debts44€567€590▲
Suppliers440/4€567€590▲
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€5k€7k▲
Other amounts payable47/48€8k€8k▲
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€88€3k▲
Gross operating margin9900€6k€13k▲
Operating profit (loss)9901€5k€6k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€0€583▲
Recurring financial charges65€0€583▲
Profit (loss) for the period before taxes9903€5k€6k▲
Income taxes67/77€1k€3k▲
Profit (loss) for the period9904€3k€2k▼
Profit (loss) for the period to be appropriated9905€3k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€3k▼
Profit (loss) brought forward from the previous period14P-€405
Transfer to equity691/2€3k€1k▼
To other reserves6921€3k€1k▼
Profit to be distributed694/7-€859
Return on contributions (dividend)694-€859
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 2027, expected by
2026
01-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
08-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
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, Charleroi · 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.
Rue Frison Auguste 41A6040 Charleroi1 establishment unit
Vinciane Michaux Management
since 20242.366.836.028
Similar companies · same sector, comparable size
WIWINVEST
BE 0731.568.654
Visé · Eq €10,000
Naba
BE 0753.695.938
Braine-le-Comte · Eq €10,000
ETUDE RAUCENT-LA PLACA
BE 0757.816.755
Frameries · Eq €10,000
Vincent COLIN, Notaire Associé
BE 0765.643.071
Mouscron · Eq €10,000
Notaire Frédéric LOMBARDO
BE 0774.706.336
Aubel · Eq €10,080
Of 2,258 companies in sector 69102 we hold annual accounts for 1,754. 554 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-11-2024
Fiscal year end31-03
Activities, NACEBEL 2025
69102Activities of notaries
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filings
Scores and ratios are computed by Checked and are not a credit decision.