Michèle RENSON (VERT'TIGE)

Active

Private limited company (pre-2019)founded 201016 yrs activeRue Sainte-Marguerite 276, 4000 Liège, BelgiumKBO/BCE: BE 0823.773.587

Summary

The computed 12-month bankruptcy probability of Michèle RENSON (VERT'TIGE) is 1.6% (moderate). The 2024 annual accounts show negative equity (€-18k) and a net result of €-6k. Equity is shrinking by ~59.3% per year across the filed fiscal years. Its solvency ranks better than 12% of 26043 sector peers (fiscal year 2024). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

21 / 100

Critical

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0=

Solvency0=

Growth32=

Track record100

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.67 against 0.76 in 2023; short-term debt: 149.4% and cash: 5.3% of total assets), and equity is negative.

How do we compute the score and the probability?

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

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

-49.4%

Return on assets

-16.8%

Age of the figures

21 mo

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 →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Negative equity

The 2024 annual accounts show negative equity and a net loss.

NBB · annual accounts 2024

Equity per financial year

18192021222324

2018 to 2024 · latest year €-18k

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-06-2025, 44 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

44 d early

2023

30 d late

2022

42 d early

2021

39 d early

2020

31 d late

2019

20 d late

← before the deadline after the deadline →

Checked, nothing found (1)

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

Financials · fiscal year 2024, micro schema

Equity

€-18k▼ 51.3%

2023 · €-12k

2018: €19k 2019: €26k 2020: €12k 2021: €3k 2022: €-4k 2023: €-12k

2018 → 2024

Total assets

€36k▼ 0.4%

2023 · €36k

2018: €26k 2019: €26k 2020: €37k 2021: €38k 2022: €37k 2023: €36k

2018 → 2024

Net result

€-6k▲ 21.6%

2023 · €-8k

2018: €5k 2019: €7k 2020: €-14k 2021: €-9k 2022: €-7k 2023: €-8k

2018 → 2024

Working capital

€-18k▼ 54.1%

2023 · €-12k

2018: €13k 2020: €26k 2021: €12k 2022: €-320 2023: €-12k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€12k-€3k▼ 76.8%€-4k€-12k▼ 189%€-18k▼ 51.3%

Operating result€-12k-€-8k▲ 33.6%€-6k▲ 21.6%€-7k▼ 15.5%€-6k▲ 20.6%

Net result€-14k-€-9k▲ 30.4%€-7k▲ 26.7%€-8k▼ 10.7%€-6k▲ 21.6%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €6k in 2024 against €7k in 2023; the loss shrinks.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €36k

99.8%

Fixed assets €75 =

Current assets €36k ▼ 0.4%

Key figures and ratios

2024 value · change against 2023

Solvency

-49.4%▼

2023 · -32.6%

Current ratio

0.67▼

2023 · 0.76

Debt to equity

-3.02▲

2023 · -4.07

ROA

-16.8%▲

2023 · -21.3%

Debt

€53k▲

2023 · €48k

Debt ≤ 1 year

€53k▲

2023 · €47k

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 · 2024 against 2023 · 35 lines

Balance sheet Code20232024

Assets

Total assets20/58€36k€36k▼

Fixed assets21/28€75€75=

Financial fixed assets28€75€75=

Current assets29/58€36k€36k▼

Amounts receivable within one year40/41€33k€33k▼

Trade receivables40€32k€32k=

Other amounts receivable41€938€575▼

Cash at bank and in hand54/58€2k€2k▼

Deferred charges and accrued income490/1€317€856▲

Equity and liabilities

Total equity and liabilities10/49€36k€36k▼

Equity10/15€-12k€-18k▼

Contributions10/11€19k€19k=

Reserves13€616€616=

Non-distributable reserves130/1€616€616=

Reserves not available under the articles1311€616€616=

Profit (loss) carried forward14€-31k€-37k▼

Amounts payable17/49€48k€53k▲

Amounts payable after more than one year17€242-

Financial debts170/4€242-

Amounts payable within one year42/48€47k€53k▲

Trade debts44€12k€12k▼

Suppliers440/4€12k€12k▼

Taxes, remuneration and social security45€138€138=

Taxes450/3€138€138=

Other amounts payable47/48€36k€42k▲

Income statement Code20232024

Other operating charges640/8€1k€772▼

Gross operating margin9900€-6k€-5k▲

Operating profit (loss)9901€-7k€-6k▲

Financial charges65/66B€236€118▼

Recurring financial charges65€236€118▼

Profit (loss) for the period before taxes9903€-8k€-6k▲

Profit (loss) for the period9904€-8k€-6k▲

Profit (loss) for the period to be appropriated9905€-8k€-6k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-31k€-37k▼

Profit (loss) brought forward from the previous period14P€-23k€-31k▼

The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 12Financial 2Filings 10

2025

17-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

19-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

22-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

31-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 31 days late

2020

31-12

Financial Weakest financial yearnet €-14k ▼295%

Net result drops to €-14k, the lowest in the series; recovery starts the following year.

20-08

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 20 days late

2019

31-12

Financial Highest result since 2018net €7k ▲31.8%

Operating result €10k, net result €7k, both a record.

25-07

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

15-06

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

23-06

NBB filing Annual accounts filed

fiscal year 2016 · micro schema

2016

19-08

NBB filing Annual accounts filed

fiscal year 2015 · full schema · 19 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

9 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, Liège · 1 establishment unit since 2019

establishment The establishment unit on the map

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 Sainte-Marguerite 2764000 Liège

Ground area

4,289 m²

Building footprint

4,513 m²

Volume, LiDAR

514 m³

2 parcels, Wallonia · tallest building 13.1 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

SPRL Michèle Renson

Rue de l'Abbaye 95, 4040 HerstalPre-press and pre-media services

since 20192.289.671.637

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62312B0024/00W006	Wallonia	4,235 m²	1 · 4,469 m²	-
62802D0248/00E003	Wallonia	54 m²	1 · 45 m²	13.1 m · 4 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 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

Nazareth-De Pinte · Eq €2,830

PVGF BRUT

BE 0635.677.820

Saint-Ghislain · Eq €2,793

Of 3,387 companies in sector 47761 we hold annual accounts for 1,156. 218 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 (pre-2019)

Founded09-03-2010

Fiscal year end31-12

Activities, NACEBEL 2025

47761Retail sale of flowers, plants, seeds and fertilisers

Sources

Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers

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