Café MONK
ActiveSummary
The computed 12-month bankruptcy probability of Café MONK is 2.7% (moderate). The annual accounts of Café MONK for fiscal year 2025 show a net loss of 54% of total assets. The 2025 annual accounts show equity of €36,277 and a net result of -€25,066. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 89% of 13604 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency100▲+1
Growth32=
Track record100
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 3.86 against 3.48 in 2024; short-term debt: 22.4% and cash: 5.7% of total assets), and 22.4% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
77.6%
Return on assets
-53.6%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€25,066
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
28 d late
2023
64 d late
2022
152 d late
2021
67 d early
2020
31 d late
2019
84 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 45 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.
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. Usually files around 28 August (4 of the last 5 filed years within 95 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Equity
€36,277▼ 40.9%
2024 · €61,343
Total assets
€46,767▼ 43.8%
2024 · €83,199
Net result
-€25,066▲ 36.2%
2024 · -€39,264
Working capital
€29,968▼ 44.8%
2024 · €54,290
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€170,165€132,230▼ 22.3%-€34,985-€39,045▼ 11.6%-€24,718▲ 36.7%
Net result€166,338above the sector's middle half€91,517above the sector's middle half▼ 45.0%-€42,052below the sector's middle half-€39,264below the sector's middle half▲ 6.6%-€25,066below the sector's middle half▲ 36.2%
Equity€51,142within the sector's middle half€142,659above the sector's middle half▲ 179%€100,608above the sector's middle half▼ 29.5%€61,343within the sector's middle half▼ 39.0%€36,277within the sector's middle half▼ 40.9%
Total assets€278,153within the sector's middle half▲ 61.1%€502,595above the sector's middle half▲ 80.7%€182,593within the sector's middle half▼ 63.7%€83,199within the sector's middle half▼ 54.4%€46,767below the sector's middle half▼ 43.8%
Debt€227,012▼ 21.1%€359,936▲ 58.6%€81,986▼ 77.2%€21,855▼ 73.3%€10,490▼ 52.0%
Working capital-€28,743within the sector's middle half▲ 85.6%€78,290above the sector's middle half€94,080above the sector's middle half▲ 20.2%€54,290above the sector's middle half▼ 42.3%€29,968within the sector's middle half▼ 44.8%
Solvency18.4%within the sector's middle half▲ 85.1pp28.4%within the sector's middle half▲ 10.0pp55.1%within the sector's middle half▲ 26.7pp73.7%above the sector's middle half▲ 18.6pp77.6%above the sector's middle half▲ 3.8pp
Current ratio0.87within the sector's middle half▲ 0.651.22within the sector's middle half▲ 0.352.15above the sector's middle half▲ 0.933.48above the sector's middle half▲ 1.343.86above the sector's middle half▲ 0.37
Return on assets (ROA)59.8%above the sector's middle half▲ 101.9pp18.2%above the sector's middle half▼ 41.6pp-23.0%below the sector's middle half▼ 41.2pp-47.2%below the sector's middle half▼ 24.2pp-53.6%below the sector's middle half▼ 6.4pp
Staff (FTE)7.9within the sector's middle half▼ 26.9%11.2▲ 41.8%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €24,718 in 2025 against €39,045 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €46,767
Fixed assets
€6,309 ▼ 10.5%
Current assets
€40,458 ▼ 46.9%
Equity and liabilities €46,767
Equity
€36,277 ▼ 40.9%
Debt
€10,490 ▼ 52.0%
Debt's share of the balance-sheet total falls from 26.3% to 22.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€23,974▲
2024 · -€37,339
Cash flow
-€24,323▲
2024 · -€37,559
Debt to equity
0.29▼
2024 · 0.36
ROE
-69.1%▼
2024 · -64.0%
Interest coverage
-130.21▲
2024 · -170.10
Debt ≤ 1 year
€10,490▼
2024 · €21,855
Income taxes
€164
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,836 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.5%
went bankrupt
13%
stopped otherwise
84%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,836 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €185,519 | €469,797 | €232,587 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €30,094 | €30,112 | €1,636 | €1,705 | €744 | ▼ 56.4% |
| Other operating charges640/8 | €1,033 | €2,127 | €2,113 | €134 | €400 | ▲ 198% |
| Non-recurring operating charges66A | - | - | €46,836 | - | - | - |
| Gross operating margin9900 | €386,812 | €634,266 | €248,187 | -€37,205 | -€23,574 | ▲ 36.6% |
| Operating profit (loss)9901 | €170,165 | €132,230 | -€34,985 | -€39,045 | -€24,718 | ▲ 36.7% |
| Financial income75/76B | €4 | €3 | €1 | - | - | - |
| Recurring financial income75 | €4 | €3 | €1 | - | - | - |
| Financial charges65/66B | €3,698 | €1,072 | €4,543 | €220 | €184 | ▼ 16.1% |
| Recurring financial charges65 | €3,698 | €1,072 | €4,543 | €220 | €184 | ▼ 16.1% |
| Profit (loss) for the period before taxes9903 | €166,471 | €131,162 | -€39,527 | -€39,264 | -€24,902 | ▲ 36.6% |
| Income taxes67/77 | €133 | €39,644 | €2,524 | - | €164 | - |
| Profit (loss) for the period9904 | €166,338 | €91,517 | -€42,052 | -€39,264 | -€25,066 | ▲ 36.2% |
| Profit (loss) for the period to be appropriated9905 | €166,338 | €91,517 | -€42,052 | -€39,264 | -€25,066 | ▲ 36.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €278,153 | €502,595 | €182,593 | €83,199 | €46,767 | ▼ 43.8% |
| Fixed assets21/28 | €86,300 | €64,369 | €6,528 | €7,053 | €6,309 | ▼ 10.5% |
| Intangible fixed assets21 | €10,000 | - | - | - | - | - |
| Tangible fixed assets22/27 | €65,042 | €53,111 | €6,528 | €7,053 | €6,309 | ▼ 10.5% |
| Land and buildings22 | €5,600 | €2,800 | €0 | - | - | - |
| Plant, machinery and equipment23 | - | - | - | €2,162 | €1,418 | ▼ 34.4% |
| Furniture and vehicles24 | - | €8,164 | €6,528 | €4,891 | €4,891 | = |
| Other tangible fixed assets26 | €59,442 | €42,147 | €0 | - | - | - |
| Financial fixed assets28 | €11,258 | €11,258 | - | - | - | - |
| Current assets29/58 | €191,853 | €438,226 | €176,066 | €76,145 | €40,458 | ▼ 46.9% |
| Stocks and contracts in progress3 | €24,940 | €23,044 | - | - | - | - |
| Stocks30/36 | €24,940 | €23,044 | - | - | - | - |
| Amounts receivable within one year40/41 | €9,261 | €42,829 | €45,888 | €61,724 | €37,811 | ▼ 38.7% |
| Trade receivables40 | €9,261 | €29,372 | €886 | - | - | - |
| Other amounts receivable41 | - | €13,457 | €45,002 | €61,724 | €37,811 | ▼ 38.7% |
| Cash at bank and in hand54/58 | €150,379 | €371,930 | €129,779 | €14,422 | €2,647 | ▼ 81.6% |
| Deferred charges and accrued income490/1 | €7,274 | €423 | €398 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €278,153 | €502,595 | €182,593 | €83,199 | €46,767 | ▼ 43.8% |
| Equity10/15 | €51,142 | €142,659 | €100,608 | €61,343 | €36,277 | ▼ 40.9% |
| Contributions10/11 | €57,600 | €57,600 | €57,600 | €57,600 | €57,600 | = |
| Reserves13 | €40,051 | €85,059 | €83,199 | €83,199 | €83,199 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €38,191 | €83,199 | €83,199 | €83,199 | €83,199 | = |
| Profit (loss) carried forward14 | -€46,509 | - | -€40,192 | -€79,456 | -€104,522 | ▼ 31.5% |
| Amounts payable17/49 | €227,012 | €359,936 | €81,986 | €21,855 | €10,490 | ▼ 52.0% |
| Amounts payable after more than one year17 | €6,415 | - | - | - | - | - |
| Financial debts170/4 | €6,415 | - | - | - | - | - |
| Amounts payable within one year42/48 | €220,597 | €359,936 | €81,986 | €21,855 | €10,490 | ▼ 52.0% |
| Trade debts44 | €124,168 | €162,694 | €69,554 | €21,855 | €10,490 | ▼ 52.0% |
| Suppliers440/4 | €124,168 | €162,694 | €69,554 | €21,855 | €10,490 | ▼ 52.0% |
| Taxes, remuneration and social security45 | €58,543 | €118,749 | €12,432 | - | - | - |
| Taxes450/3 | €22,773 | €60,667 | - | - | - | - |
| Remuneration and social security454/9 | €35,770 | €58,082 | €12,432 | - | - | - |
| Other amounts payable47/48 | €37,886 | €78,493 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €166,338 | €91,517 | -€42,052 | -€39,264 | -€25,066 | ▲ 36.2% |
| + Depreciation and write-downs630 | €30,094 | €30,112 | €1,636 | €1,705 | €744 | ▼ 56.4% |
| Operating cash flow (approximation) | €196,432 | €121,630 | -€40,415 | -€37,559 | -€24,323 | ▲ 35.2% |
| Investment in fixed assets (approximation) | - | -€8,182 | €56,205 | -€2,231 | €0 | ▲ 100% |
| Change in cash | - | €221,551 | -€242,151 | -€115,358 | -€11,774 | ▲ 89.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 64 days late
2023
30-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 152 days late
2022
31-12
Financial
Equity above €100,000Eq €142,659 ▲179%
2 profitable years in a row build equity to €142,659.
25-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €166,338
Net result €166,338 after 3 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 84 days late
2019
31-12
Financial
Weakest financial yearnet -€127,741
Net result drops to -€127,741, the lowest in the series; recovery starts the following year.
05-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 127 days late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
04-04
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 247 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Brussel · 1 establishment unit since 2003
Ground area
810 m²
Building footprint
347 m²
Volume, LiDAR
6,873 m³
Parcel 21815D0039/00D000, Brussels · tallest building 23.1 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
CAFE MONK
since 20032.132.409.693
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21815D0039/00D000indicative | Brussels | 810 m² | 1 · 347 m² | 23.1 m · 7 fl. |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 21,853 companies in sector 56112 we hold annual accounts for 9,777. 8,447 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded14-04-2003
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
73110Advertising agencies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0480018950
Also
9925:BE0480018950
Registered
23-09-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.