B&B Montage
ActiveSummary
The computed 12-month bankruptcy probability of B&B Montage is 3.4% (moderate). The 2025 annual accounts show negative equity (€-7k) and a net result of €-13k. Equity is shrinking by ~111.1% per year across the filed fiscal years. Its solvency ranks better than 5% of 543 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
24
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-58
Solvency0▼-63
Growth32=
Track record94
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.3 against 1.4 in 2024; short-term debt: 230% and cash: 47.4% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · 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 2025Solvency, return and age of the figures
Solvency
-130%
Return on assets
-261.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 16
Relative position
BE, all sectors
reference
Sector 16
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year €-7k
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 01-07-2026, 30 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
30 d early
2024
33 d early
2023
30 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-7k
2024 · €7k
2023: €8k
2024: €7k
2023 → 2025
Total assets
€5k▼ 71.2%
2024 · €18k
2023: €27k
2024: €18k
2023 → 2025
Net result
€-13k▼ 747%
2024 · €-2k
2023: €7k
2024: €-2k
2023 → 2025
Working capital
€-8k
2024 · €3k
2023: €5k
2024: €3k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€8k-€7k▼ 19.0%€-7k
Operating result€9k-€-823€-13k▼ 1,453%
Net result€7k-€-2k€-13k▼ 747%
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 €13k in 2025 against €823 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5k
Fixed assets
€2k ▼ 82.0%
Current assets
€4k ▼ 61.3%
Key figures and ratios
EBITDA
€-6k▼
2024 · €6k
Cash flow
€-6k▼
2024 · €5k
Solvency
-130.0%▼
2024 · 37.9%
Current ratio
0.30▼
2024 · 1.40
Debt to equity
-1.77▼
2024 · 1.64
ROA
-261.7%▼
2024 · -8.9%
Interest coverage
-12.88▼
2024 · 8.36
Debt
€12k▲
2024 · €11k
Debt ≤ 1 year
€12k▲
2024 · €7k
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 · 2025 against 2024 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€18k€5k▼
Fixed assets21/28€8k€2k▼
Tangible fixed assets22/27€8k€2k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€5k-
Current assets29/58€9k€4k▼
Amounts receivable within one year40/41€4k€1k▼
Trade receivables40€3k€621▼
Other amounts receivable41€1k€521▼
Cash at bank and in hand54/58€4k€2k▼
Deferred charges and accrued income490/1€724-
Equity and liabilities
Total equity and liabilities10/49€18k€5k▼
Equity10/15€7k€-7k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€5k€-8k▼
Amounts payable17/49€11k€12k▲
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€7k€12k▲
Current portion of amounts payable after more than one year42€5k€4k▼
Trade debts44€268€1k▲
Suppliers440/4€268€1k▲
Taxes, remuneration and social security45€2k€6k▲
Remuneration and social security454/9€2k€6k▲
Other amounts payable47/48€8-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€395€331▼
Gross operating margin9900€7k€-6k▼
Operating profit (loss)9901€-823€-13k▼
Financial charges65/66B€741€456▼
Recurring financial charges65€741€456▼
Profit (loss) for the period before taxes9903€-2k€-13k▼
Profit (loss) for the period9904€-2k€-13k▼
Profit (loss) for the period to be appropriated9905€-2k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€-8k▼
Profit (loss) brought forward from the previous period14P€7k€5k▼
The notes to these accounts (4 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series.
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Dilbeek · 1 establishment unit since 2022
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.
Oudesmidsestraat 201700 DilbeekGround area
912 m²
Building footprint
359 m²
Volume, LiDAR
3,137 m³
2 parcels, Flanders, Wallonia · tallest building 12.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
B&B Montage
since 20222.338.343.069
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53038B0851/00N021 | Wallonia | 612 m² | 1 · 60 m² | 7.3 m · 2 fl. |
| 23016D0063/00W002 | Flanders | 300 m² | 1 · 299 m² | 12.6 m · 3 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
OMNIA TEMPUS
BE 0749.544.932
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Hamont Veiling
BE 1008.926.197
Hamont-Achel · Eq €6,627
Schrijnwerkerij Eeckman
BE 0753.416.123
Destelbergen · Eq €6,833
WINFRAME
BE 0732.868.157
Hasselt · Eq €6,891
Interieurwerken Kevin
BE 1013.804.111
Asse · Eq €6,429
Of 1,599 companies in sector 16230 we hold annual accounts for 783. 255 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
Founded18-11-2022
Fiscal year end31-12
Activities, NACEBEL 2025
16230Manufacture of other builders' carpentry and joinery
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:B.B.montage@outlook.be
Phone:0477914797