DK MONTAGE

Active

Private limited companyfounded 20206 yrs activeLaarbemdeweg 14, 3581 Beringen, BelgiumKBO/BCE: BE 0749.454.266

The computed 12-month bankruptcy probability of DK MONTAGE is 1.6% (moderate). The 2025 annual accounts show equity of €248k and a net result of €86k. Equity is growing by ~42% per year across the filed fiscal years. Its solvency ranks better than 79% of 1887 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

73 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+12

Solvency100▲+23

Growth78=

Track record100

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €18k at 30 days acceptable

Liquidity ample (current ratio 3.32 against 1.8 in 2024; short-term debt: 24.9% and cash: 1.4% of total assets), and 24.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 25

Relative position

BE, all sectors

reference

Sector 25

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

75.1%

Return on assets

26%

Age of the figures

18 mo

Filed after the deadline

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 16-11-2025, 16 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 · 5 filings

Deviation from the deadline

2025

16 d late

2024

4 d late

2023

13 d late

2022

30 d late

2021

4 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.

Companies Code · seven months

Position in the running window

31-03-2026 close17-09-2026 today31-10-2026 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€248k▲ 53.1%

2024 · €162k

2021: €39k 2022: €69k 2023: €114k 2024: €162k

2021 → 2025

Total assets

€331k▲ 6.5%

2024 · €311k

2021: €131k 2022: €141k 2023: €219k 2024: €311k

2021 → 2025

Net result

€86k▲ 77.4%

2024 · €49k

2021: €34k 2022: €30k 2023: €45k 2024: €49k

2021 → 2025

Working capital

€191k▲ 63.5%

2024 · €117k

2021: €-2k 2022: €29k 2023: €68k 2024: €117k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€39k-€69k▲ 76.8%€114k▲ 65.8%€162k▲ 42.7%€248k▲ 53.1%

Operating result€49k-€45k▼ 8.9%€65k▲ 45.3%€72k▲ 11.2%€123k▲ 70.4%

Net result€34k-€30k▼ 11.8%€45k▲ 51.3%€49k▲ 7.7%€86k▲ 77.4%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2022 the operating result has climbed three years in a row; 2025 is 70% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €331k

17.4%

82.6%

Fixed assets €58k▲ 20.8%

Current assets €273k▲ 3.9%

Equity and liabilities €331k

75.1%

24.9%

Equity €248k▲ 53.1%

Debt €82k▼ 44.5%

The debt ratio falls from 47.8% to 24.9%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€138k▲

2024 · €93k

Cash flow

€101k▲

2024 · €69k

Solvency

75.1%▲

2024 · 52.2%

Current ratio

3.32▲

2024 · 1.80

Quick ratio

3.32▲

2024 · 1.80

Debt / equity

0.33▼

2024 · 0.92

ROE

34.7%▲

2024 · 29.9%

ROA

26.0%▲

2024 · 15.6%

Interest coverage

156.05▲

2024 · 113.67

Debt

€82k▼

2024 · €148k

Debt ≤ 1 year

€82k▼

2024 · €146k

Income taxes

€36k▲

2024 · €23k

Staff costs

€15k▼

2024 · €17k

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€311k€331k▲

Fixed assets21/28€48k€58k▲

Tangible fixed assets22/27€48k€58k▲

Land and buildings22€3k€10k▲

Plant, machinery and equipment23€7k€7k=

Furniture and vehicles24€37k€40k▲

Current assets29/58€263k€273k▲

Amounts receivable within one year40/41€222k€267k▲

Trade receivables40€78k€91k▲

Other amounts receivable41€144k€176k▲

Cash at bank and in hand54/58€40k€5k▼

Deferred charges and accrued income490/1€1k€1k=

Equity and liabilities

Total equity and liabilities10/49€311k€331k▲

Equity10/15€162k€248k▲

Contributions10/11€5k€5k=

Reserves13€156k€242k▲

Distributable reserves133€156k€242k▲

Profit (loss) carried forward14€1k€1k▲

Amounts payable17/49€148k€82k▼

Amounts payable after more than one year17€2k-

Financial debts170/4€2k-

Amounts payable within one year42/48€146k€82k▼

Current portion of amounts payable after more than one year42€9k€3k▼

Trade debts44€114k€57k▼

Suppliers440/4€114k€57k▼

Advances received on contracts in progress46€132€132=

Taxes, remuneration and social security45€23k€22k▼

Taxes450/3€19k€20k▲

Remuneration and social security454/9€4k€2k▼

Accrued charges and deferred income492/3-€168

Income statement Code20242025

Non-recurring operating income76A-€11k

Remuneration, social security and pensions62€17k€15k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€15k▼

Other operating charges640/8€4k€2k▼

Gross operating margin9900€113k€154k▲

Operating profit (loss)9901€72k€123k▲

Financial income75/76B€1€71▲

Recurring financial income75€1€71▲

Financial charges65/66B€815€883▲

Recurring financial charges65€815€883▲

Profit (loss) for the period before taxes9903€71k€122k▲

Income taxes67/77€23k€36k▲

Profit (loss) for the period9904€49k€86k▲

Profit (loss) for the period to be appropriated9905€49k€86k▲

Appropriation of the result

Profit (loss) to be appropriated9906€50k€87k▲

Profit (loss) brought forward from the previous period14P€1k€1k▲

Transfer to equity691/2€49k€86k▲

To other reserves6921€49k€86k▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 10Financial 5Filings 5

Next filing, fiscal year 2026, expected by 31-10-2026

2025

16-11

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 16 days late

31-03

Financial Highest result since 2021net €86k ▲77.4%

Operating result €123k, net result €86k, both a record.

31-03

Financial Equity above €200kEq €248k ▲53.1%

5 profitable years in a row build equity to €248k.

2024

04-11

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 4 days late

31-03

Financial Equity above €150kEq €162k ▲42.7%

4 profitable years in a row build equity to €162k.

2023

13-11

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 13 days late

31-03

Financial Equity above €100kEq €114k ▲65.8%

3 profitable years in a row build equity to €114k.

2022

30-11

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 30 days late

31-03

Financial Weakest financial yearnet €30k ▼11.8%

Net result drops to €30k, the lowest in the series; recovery starts the following year.

2021

04-11

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 4 days late

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, Beringen · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Laarbemdeweg 143581 Beringen

Ground area

1,157 m²

Building footprint

135 m²

Volume, LiDAR

730 m³

Parcel 71005C0758/00E000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

DK MONTAGE

Laarbemdeweg 14, 3581 BeringenManufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials

since 20202.304.510.954

1 parcel

Flanders 1 (100%)