B.V. MONTAGE
The computed 12-month bankruptcy probability of B.V. MONTAGE is 1.7% (moderate). The 2025 annual accounts show equity of €131k and a net result of €28k. Equity is growing by ~18.7% per year across the filed fiscal years. Its solvency ranks better than 33% of 225 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €131k |
| Net result | €28k |
| Staff (FTE) | 2.7 |
| Better than sector | 33% |
Strong profile, led by profitability.
All 5 axes are computed from data Checked has read.
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 26.8% | 39.4% | |
| Net result | €28k | €15k | |
| Equity | €131k | €46k | |
| Gross operating margin | €277k | €41k | |
| Staff costs | €167k | €27k |
Show 11 other metrics
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €101k |
| Net profit | €28k |
| Cash flow | €69k |
| Staff costs | €167k |
| Income taxes | €8k |
| Dividends | - |
| Total assets | €488k |
| Equity | €131k |
| Debt | €357k |
| of which ≤ 1y | €224k |
| of which > 1y | €133k |
| Working capital | €63k |
| Employees (FTE) | 2.7 |
| 2025 | |
|---|---|
| Current ratio | 1.28 |
| Quick ratio | 1.03 |
| Working capital ratio | 12.9% |
| Solvency | 26.8% |
| Debt / equity | 2.73 |
| Long-term debt ratio | 1.02 |
| Interest coverage | 3.49 |
| Gross margin | - |
| Net margin | - |
| ROA | 5.7% |
| ROE | 21.2% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Full annual accounts (24 line items)
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €488k |
| Fixed assets | 21/28 | €201k |
| Tangible fixed assets | 22/27 | €200k |
| Financial fixed assets | 28 | €500 |
| Current assets | 29/58 | €287k |
| Stocks & contracts in progress | 3 | €56k |
| Amounts receivable within one year | 40/41 | €227k |
| Cash & bank | 54/58 | €138 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €488k |
| Equity | 10/15 | €131k |
| Contributions / capital | 10/11 | €3k |
| Reserves | 13 | €128k |
| Amounts payable | 17/49 | €357k |
| Amounts payable after one year | 17 | €133k |
| Amounts payable within one year | 42/48 | €224k |
| Trade debts payable within one year | 44 | €152k |
| Income statement | ||
| Gross operating margin | 9900 | €277k |
| Operating result | 9901 | €59k |
| Financial income | 75 | €6k |
| Financial charges | 65 | €29k |
| Result before taxes | 9903 | €36k |
| Income taxes | 67/77 | €8k |
| Net result for the period | 9904 | €28k |
| Result to be appropriated | 9905 | €28k |
-
Heidi BillenDirectorState Gazette act 24060390 (12-04-2024)Current01-07-2023 → present
| NACE primary | Vervaardiging van metalen constructiewerken en delen daarvan(25110) |
| Legal form | Private limited company(610) |
| Incorporation | 25-02-2021 |
| Status | Active |
| Postal code | 3670 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72011C0620/00E002 | Flanders | 710 m² | 1 · 208 m² | 7.4 m · 1 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
12-04-2024 2 directors appointed
- Heidi Billen, Bestuurder
- BV Finfisco Bizz, Dagelijks bestuur
Technical details
{
"events": [
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Heidi Billen",
"address": null,
"birth_date": null,
"profession": null,
"birth_place": null
},
"reason": null,
"subkind": "regular",
"via_org": null,
"statutory": "niet_statutair",
"compensated": true,
"effective_date": "2023-07-01",
"evidence_quote": "De algemene vergadering beslist tot de benoeming van Heidi Billen als niet-statutaire bestuurder, en dit met ingang op 01/07/2023. Dit mandaat geldt voor onbepaalde duur. Het mandaat is bezoldigd.",
"decharge_status": null,
"mandate_duration": {
"kind": "indefinite",
"value": null
},
"rep_rotation_new_rep": null,
"rep_rotation_old_rep": null,
"effective_date_qualifier": "immediate"
},
{
"kind": "delegation_dagelijks_bestuur_in",
"role": "dagelijks_bestuur",
"person": null,
"reason": null,
"subkind": "regular",
"via_org": {
"kbo": "0777.402.936",
"name": "BV Finfisco Bizz",
"address": "Breekiezel 12 bus 3, 3670 Oudsbergen",
"country": "BE",
"legal_form": "BV"
},
"statutory": null,
"compensated": null,
"effective_date": null,
"evidence_quote": "De algemene vergadering verleent volmacht aan BV Finfisco Bizz, rechtspersoon met zetel te 3670 Oudsbergen, Breekiezel 12 bus 3, RPR Antwerpen afdeling Tongeren, gekend in de KB\u041E onder nummer 0777.402.936, en aan diens aangestelden, voor onbepaalde tijd en tot aan de uitdrukkelijke herroeping, voor ",
"decharge_status": null,
"mandate_duration": {
"kind": "until_agm_year",
"value": null
},
"rep_rotation_new_rep": null,
"rep_rotation_old_rep": null,
"effective_date_qualifier": null
}
],
"notary": {
"name": null,
"firm_city": null,
"firm_name": null,
"office_city": "Antwerpen",
"is_associated": false
},
"act_meta": {
"language": "nl",
"pub_date": "2024-04-12",
"filing_date": "2024-04-03",
"act_kind_objet": "Onderwerp akte:"
},
"decisions": [
{
"body": "algemene_vergadering",
"date": "2023-12-13",
"unanimous": null
}
],
"is_correction": false,
"subject_company": {
"kbo": "0764.373.559",
"name_full": "B.V. MONTAGE",
"legal_form": "BV"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Bert Verheyen",
"org_rep_person_name": null,
"person_role_at_subject": "Bestuurder"
},
"co_filed_documents": [],
"corrected_publication_numac": null
}01-09-2022 Registered office moved within Oudsbergen
- Parklaan 7, 3670 Oudsbergen → Jan Van Bylandtstraat 8, 3670 Oudsbergen
Technical details
{
"events": [
{
"kind": "zetel_transfer",
"seat_type": "siege_social",
"new_address": {
"raw": "Jan Van Bylandtstraat 8, 3670 Oudsbergen",
"city": "Oudsbergen",
"region": "vlaams_gewest",
"street": "Jan Van Bylandtstraat",
"country": "BE",
"postcode": "3670",
"box_number": null,
"street_number": "8",
"locality_suffix": null
},
"old_address": {
"raw": "Parklaan 7, 3670 Oudsbergen",
"city": "Oudsbergen",
"region": "vlaams_gewest",
"street": "Parklaan",
"country": "BE",
"postcode": "3670",
"box_number": null,
"street_number": "7",
"locality_suffix": null
},
"effective_date": "2022-08-04",
"evidence_quote": "",
"region_changed": false,
"is_statute_change": true,
"nationality_change": false,
"old_address_source": "act_body",
"statute_clause_text": null,
"statute_article_number": null,
"effective_date_qualifier": "absolute",
"statutaire_vs_werkelijke": "statutaire",
"linguistic_region_changed": false,
"court_jurisdiction_changed": false,
"effective_date_is_approximate": false
}
],
"notary": {
"name": null,
"firm_city": null,
"firm_name": null,
"office_city": null,
"is_associated": false
},
"act_meta": {
"language": "mixed",
"pub_date": "2022-09-01",
"filing_date": "2022-08-24",
"act_kind_objet": "Zetel (zetelverplaatsing)"
},
"decision": {
"body": "raad_van_bestuur",
"date": "2022-08-04",
"unanimous": null
},
"subject_company": {
"kbo": "0764.373.559",
"name_full": "B.V. MONTAGE",
"legal_form": "BV"
},
"publication_proxy": {
"kind": "org",
"org_kbo": "0860.339.817",
"org_name": "BV Axentis",
"person_name": null,
"org_rep_person_name": "Rijn Delbroek",
"person_role_at_subject": null
},
"co_filed_documents": [
"Bijlagen bij het Belgisch Staatsblad",
"Annexes du Moniteur belge"
]
}| Legal nameNL | B.V. MONTAGE |