Equity
€4.4m ▲ 12×
MONTECITO has made a profit without a break since 2020.
MONTECITO
Lifetime
7 annual accounts with figures on one time axispeak €446,895 (2022)
€138,381▲ 26.1%
lowest -€403 (2019)
€4.0m▲ 227×
peak €4.4m (2025)
€4.4m▲ 12×
€3.7m▲ 124%
Board1 name since 2019
1 directorVan Oost, Heleen
Documentsfilings and deeds
30-08-202630 days late
2025micro format
Gross margin from €109,724 to €138,381Result from €17,727 to €4.0mEquity from €373,891 to €4.4mDebts from €1.6m to €3.7mInvestments €370,636Cash from €13,495 to €172,926
Key points
from the 2025 annual accountsResult
€4.0m ▲ 227×
The result rose in 2025 from €17,727 to €4.0m.
Debts
€3.7m ▲ 124%
Debts rose by €2.0m in 2025.
Liquidity
1.79 was 0.56 in 2024
Short-term debts rose from €1.6m to €3.7m.
Filings
7 annual accounts 6 late
The 2021 accounts came latest: 127 days after the end of the period.
Position in the sector
€4.0m
Higher net result than 95% of companies in head offices and management consultancy. Sector median €27,132 · 39,384 companies.
Checked score
96
Excellent
Financially stronger than 66% of small companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 4,522 companies (NACE 70, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.5%● unchanged vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.5%● unchanged vs 04-2025
06-2025: 0.6%▲ +0.1 percentage points vs 05-2025
07-2025: 0.7%▲ +0.1 percentage points vs 06-2025
08-2025: 1.0%▲ +0.3 percentage points vs 07-2025highest value
09-2025: 0.1%▼ -0.9 percentage points vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.2%▲ +0.1 percentage points vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.4%▲ +0.2 percentage points vs 07-2026
09-2026: 0.1%▼ -0.3 percentage points vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 1.79, cash €172,926
Last filed accounts filed 30 days late; 1 of the last 3 accounts late
lowers risk
Size: total assets €8.1m
Sector: Activities of head offices; management consultancy activities (NACE 70)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, small). It does better than 52% of them on solvency, 15% on liquidity, 97% on profitability and 99% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 153 companies had the same profile as MONTECITO has now. Each dot is one company, two years later.
96.1%
were still trading
3.9%
stopped another way
0.0%
went bankrupt
That fits the bankruptcy probability of MONTECITO itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 153 companies, not a prediction for MONTECITO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €420,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.79 (0.56 in 2024), above the usual 1.5. Short-term debt is 45.3% and cash 2.1% of total assets. 45.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 30 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 7 filingsDeviation from the deadline
2025
30 days late
2024
8 days late
2023
66 days late
2022
34 days early
2021
127 days late
2020
25 days late
2019
69 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 42 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 August (4 of the last 5 accounts filed within 64 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0721829458
Demerger: Montecito splits off to Fervore BV
Company renamed to Montecito · New name: Montecito · Reappointment: Heleen Van Oost (director) · General meeting of 27-09-2023 · Gazette deed
Demerger proposal: CIAO splits off to FERVORE
Name change: MONTECITO · Gazette deed
Incorporation
Founders: VAN OOST Heleen Christine Jorien and DE NYN Sam Achiel Frieda · Founding capital of €18,600, 100 shares, €6,200 paid up · Appointment: VAN OOST Heleen Christine Jorien (manager) · published on 06-03-2019 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| MONTECITO Overijse | €8.1m | €138,381 | 54.1% | - |
| WRight Developments Tielt | €6.8m | €153,578 | 0.0% | - |
| AYW Green Lasne | €7.3m | €164,026 | -4.6% | 1 |
| SU.RE Investments Ghent | €9.6m | €124,126 | 31.8% | - |
| AV HOLDING Sint-Genesius-Rode | €6.4m | €135,953 | 77.4% | 1 |
| European Sanitary Company Pajottegem | €5.7m | €119,743 | 66.9% | - |
| METI GROUP Affligem | €7.8m | €161,088 | 58.6% | 0 |
These companies have the same main activity as MONTECITO: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €5.7m and €9.6m, founded between 2017 and 2021.
Official details
Source: KBO- Status
- Active since 04-03-2019Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.286.123.5163090 Overijse, since 04-03-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 22-04-2025
Companies linked to MONTECITO
Subsidiaries and holdings
- Venkover45%
- AXXON GROUP33%
Insights on MONTECITO
MONTECITO files the micro format. That format states no turnover. The gross margin rose from €17,102 in 2019 to €138,381 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about MONTECITO
- What is the company number of MONTECITO?
- The company number of MONTECITO is 0721.829.458. The VAT number is the same number with BE in front: BE 0721.829.458.
- Where is MONTECITO based?
- The registered office is at Narcissenlaan 3, 3090 Overijse.Company details
- What does MONTECITO do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of MONTECITO?
- MONTECITO is a private limited company (BV).
- When was MONTECITO founded?
- MONTECITO was founded on 04-03-2019.
- Is MONTECITO still active?
- Yes, MONTECITO is an active enterprise in the KBO register.
- How many employees does MONTECITO have?
- MONTECITO had an average of 4 full-time equivalents in financial year 2022, according to the filed annual accounts.Financials
- What is the turnover of MONTECITO?
- The turnover in financial year 2025 is ≈ €240,000. This figure is estimated from the gross margin of €138,381 and 109 comparable companies (NACE 70200). It probably lies between €200,000 and €280,000.
- Is MONTECITO profitable?
- In financial year 2025, MONTECITO made a profit of €4.0m.
- Where can I find the annual accounts of MONTECITO?
- MONTECITO filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of MONTECITO due?
- MONTECITO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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