DE MONTPELLIER
ActiveDE MONTPELLIER has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €327k and a net result of €12k. Equity is growing by ~3.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
86
/ 100
Excellent▲ +3 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability18▼-11
Solvency100▲+8
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days only on tighter terms
Liquidity ample (current ratio 1.98 against 1.7 in 2023), and 32.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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 2024Solvency, return and age of the figures
Solvency
67.7%
Return on assets
2.4%
Age of the figures
26 mo
neutral · Filed after the deadline
The financial year that closed on 01-07-2025 was due by 01-02-2026 and was filed on 11-02-2026, 10 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
10 d late
2024
24 d late
2023
27 d late
2022
23 d late
2021
19 d late
2020
3 d early
2019
8 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 01-07-2026 and is due by 01-02-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
01-07-2026 close12-09-2026 today01-02-2027 deadline
Financials · fiscal year 2024, micro schema
Equity
€327k▲ 1.0%
2023 · €324k
2019: €268k
2020: €298k
2021: €334k
2022: €350k
2023: €324k
2019 → 2024
Total assets
€483k▼ 11.1%
2023 · €543k
2019: €487k
2020: €504k
2021: €539k
2022: €610k
2023: €543k
2019 → 2024
Net result
€12k▼ 38.1%
2023 · €19k
2019: €24k
2020: €30k
2021: €36k
2022: €79k
2023: €19k
2019 → 2024
Working capital
€98k▼ 1.7%
2023 · €100k
2019: €131k
2020: €151k
2021: €176k
2022: €180k
2023: €100k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€298k-€334k▲ 12.2%€350k▲ 4.8%€324k▼ 7.6%€327k▲ 1.0%
Operating result€45k-€57k▲ 25.5%€119k▲ 109%€32k▼ 73.2%€19k▼ 41.6%
Net result€30k-€36k▲ 20.2%€79k▲ 118%€19k▼ 76.1%€12k▼ 38.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 42% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €483k
Fixed assets
€285k▼ 4.9%
Current assets
€198k▼ 18.6%
Equity and liabilities €483k
Equity
€327k▲ 1.0%
Debt
€156k▼ 28.8%
The debt ratio falls from 40.4% to 32.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€35k▼
2023 · €40k
Cash flow
€28k▲
2023 · €27k
Solvency
67.7%▲
2023 · 59.6%
Current ratio
1.98▲
2023 · 1.70
Quick ratio
1.98▲
2023 · 1.70
Debt / equity
0.48▼
2023 · 0.68
ROE
3.6%▼
2023 · 5.8%
ROA
2.4%▼
2023 · 3.5%
Interest coverage
19.66▲
2023 · 18.30
Debt
€156k▼
2023 · €219k
Debt ≤ 1 year
€100k▼
2023 · €143k
Debt > 1 year
€54k▼
2023 · €75k
Income taxes
€7k▼
2023 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€543k€483k▼
Fixed assets21/28€299k€285k▼
Tangible fixed assets22/27€299k€285k▼
Land and buildings22€260k€252k▼
Furniture and vehicles24-€33k
Assets under construction and advance payments27€40k-
Financial fixed assets28€10€10=
Current assets29/58€243k€198k▼
Amounts receivable within one year40/41€610-
Other amounts receivable41€610-
Current investments50/53-€125k
Cash at bank and in hand54/58€242k€72k▼
Deferred charges and accrued income490/1€863€1k▲
Equity and liabilities
Total equity and liabilities10/49€543k€483k▼
Equity10/15€324k€327k▲
Contributions10/11€19k€19k=
Reserves13€199k€202k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€198k€202k▲
Profit (loss) carried forward14€106k€106k=
Amounts payable17/49€219k€156k▼
Amounts payable after more than one year17€75k€54k▼
Financial debts170/4€75k€54k▼
Amounts payable within one year42/48€143k€100k▼
Current portion of amounts payable after more than one year42€20k€21k▲
Trade debts44€6k€963▼
Suppliers440/4€6k€963▼
Taxes, remuneration and social security45€12k€5k▼
Taxes450/3€12k€5k▼
Other amounts payable47/48€105k€73k▼
Accrued charges and deferred income492/3€880€2k▲
Income statement
Code20232024
Non-recurring operating income76A-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€16k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€43k€38k▼
Operating profit (loss)9901€32k€19k▼
Financial income75/76B-€2k
Recurring financial income75-€2k
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€30k€19k▼
Income taxes67/77€11k€7k▼
Profit (loss) for the period9904€19k€12k▼
Profit (loss) for the period to be appropriated9905€19k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€125k€117k▼
Profit (loss) brought forward from the previous period14P€106k€106k=
Transfer from equity791/2€46k€9k▼
Transfer to equity691/2€19k€12k▼
To other reserves6921€19k€12k▼
Profit to be distributed694/7€46k€9k▼
Return on contributions (dividend)694€46k€9k▼
The notes to these accounts (11 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
11-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
25-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 24 days late
2024
01-07
Financial
Weakest financial yearnet €12k ▼38.1%
Net result drops to €12k, the lowest in the series.
28-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
24-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
01-07
Financial
Highest result since 2019net €79k ▲118%
Operating result €119k, net result €79k, both a record.
20-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-01
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Namur
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.
Avenue de la Vecquée 145000 NamurGround area
6,539 m²
Building footprint
250 m²
Volume, LiDAR
3,242 m³
Parcel 92302F0004/00X012, Wallonia · tallest building 16.3 m, ±4 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92302F0004/00X012 | Wallonia | 6,539 m² | 1 · 250 m² | 16.3 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
TAYLOR & Co
BE 0444.384.318
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BE 0713.562.088
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J.-B. RONSE DE CRAENE & CO
BE 0472.008.235
Ninove · Eq €322k
WOUTER COPPENS
BE 0803.437.043
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A&C - Bedrijfsrevisor
BE 0461.238.562
Kruisem · Eq €334k
Of 940 companies in sector 69203 we hold annual accounts for 658. 533 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-11-2001
Fiscal year end01-07
Abbreviation FR
C2M
Activities, NACEBEL
69203Activities of company auditors
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.