DI MONACO
ActiveDI MONACO has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €21k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 43% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▲+3
Solvency51▲+9
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.25 in 2024; short-term debt: 72.4% and cash: 0.1% of total assets), and 74.3% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
25.7%
Return on assets
6.7%
Age of the figures
15 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €81k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-01-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
3 d early
2023
58 d early
2022
54 d early
2021
46 d early
2020
16 d early
2019
23 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€81k▲ 35.3%
2024 · €60k
2019: €72k
2020: €70k
2021: €81k
2022: €90k
2023: €52k
2024: €60k
2019 → 2025
Total assets
€314k▼ 8.1%
2024 · €341k
2019: €371k
2020: €394k
2021: €369k
2022: €346k
2023: €372k
2024: €341k
2019 → 2025
Net result
€21k▲ 170%
2024 · €8k
2019: €22k
2020: €-3k
2021: €11k
2022: €10k
2023: €-38k
2024: €8k
2019 → 2025
Working capital
€71k▲ 11.6%
2024 · €64k
2019: €-25k
2020: €7k
2021: €66k
2022: €90k
2023: €54k
2024: €64k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€81k-€90k▲ 12.1%€52k▼ 42.6%€60k▲ 15.1%€81k▲ 35.3%
Operating result€6k-€10k▲ 75.0%€-38k€9k€28k▲ 194%
Net result€11k-€10k▼ 11.4%€-38k€8k€21k▲ 170%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 194% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €314k
Fixed assets
€15k▼ 30.6%
Current assets
€298k▼ 6.6%
Equity and liabilities €314k
Equity
€81k▲ 35.3%
Debt
€233k▼ 17.3%
The debt ratio falls from 82.5% to 74.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33k▲
2024 · €16k
Cash flow
€27k▲
2024 · €15k
Solvency
25.7%▲
2024 · 17.5%
Current ratio
1.31▲
2024 · 1.25
Quick ratio
0.18▼
2024 · 0.18
Debt / equity
2.89▼
2024 · 4.73
ROE
26.1%▲
2024 · 13.1%
ROA
6.7%▲
2024 · 2.3%
Interest coverage
3.44▼
2024 · 3.72
Debt
€233k▼
2024 · €282k
Debt ≤ 1 year
€227k▼
2024 · €255k
Debt > 1 year
€6k▼
2024 · €10k
Income taxes
€203▼
2024 · €209
Staff costs
€130k▼
2024 · €159k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€341k€314k▼
Fixed assets21/28€22k€15k▼
Tangible fixed assets22/27€16k€15k▼
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€562€2k▲
Leasing and similar rights25€14k€10k▼
Financial fixed assets28€6k€0▼
Current assets29/58€319k€298k▼
Stocks and contracts in progress3€272k€257k▼
Stocks30/36€272k€257k▼
Amounts receivable within one year40/41€34k€30k▼
Trade receivables40€34k€26k▼
Other amounts receivable41€54€5k▲
Cash at bank and in hand54/58€1k€272▼
Deferred charges and accrued income490/1€12k€11k▼
Equity and liabilities
Total equity and liabilities10/49€341k€314k▼
Equity10/15€60k€81k▲
Contributions10/11€68k€68k=
Reserves13€28k€28k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€243€243=
Distributable reserves133€28k€28k=
Profit (loss) carried forward14€-37k€-15k▲
Amounts payable17/49€282k€233k▼
Amounts payable after more than one year17€10k€6k▼
Financial debts170/4€10k€6k▼
Amounts payable within one year42/48€255k€227k▼
Current portion of amounts payable after more than one year42€4k€4k▼
Financial debts43€7k€21k▲
Credit institutions430/8€7k€21k▲
Trade debts44€87k€82k▼
Suppliers440/4€87k€82k▼
Taxes, remuneration and social security45€54k€39k▼
Taxes450/3€28k€25k▼
Remuneration and social security454/9€26k€14k▼
Other amounts payable47/48€103k€81k▼
Accrued charges and deferred income492/3€16k€0▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€159k€130k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€21k
Other operating charges640/8€2k€2k▼
Gross operating margin9900€177k€186k▲
Operating profit (loss)9901€9k€28k▲
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€4k€10k▲
Recurring financial charges65€4k€10k▲
Profit (loss) for the period before taxes9903€8k€21k▲
Income taxes67/77€209€203▼
Profit (loss) for the period9904€8k€21k▲
Profit (loss) for the period to be appropriated9905€8k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-37k€-15k▲
Profit (loss) brought forward from the previous period14P€-44k€-37k▲
The notes to these accounts (15 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
02-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
2023
04-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-06
Financial
Weakest financial yearnet €-38k ▼495%
Net result drops to €-38k, the lowest in the series; recovery starts the following year.
2022
08-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
16-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
15-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
09-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Niklaas · 1 establishment unit since 2010
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.
Stationsstraat 669100 Sint-NiklaasGround area
216 m²
Building footprint
216 m²
Volume, LiDAR
2,025 m³
Parcel 46443E0396/00A003, Flanders · tallest building 16.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DI MONACO
since 20102.189.859.132
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46443E0396/00A003 | Flanders | 216 m² | 1 · 216 m² | 16.3 m · 3 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.
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Of 3,226 companies in sector 47400 we hold annual accounts for 1,807. 1,456 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-2010
Fiscal year end30-06
Activities, NACEBEL
47400Retail sale of information and communication equipment
47430Retail trade
47540Retail sale of electrical household appliances
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.