Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of EL MONTE is 8.8% (elevated). The 2025 annual accounts show equity of €1k and a net result of €2k. Equity is shrinking by ~250.2% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 28% of 5650 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 3 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Timeline
What happened to this company, by date
State Gazette, CBE and NBB in one seriesFinancials
Turnover and EBIT margin not published: the micro schema does not require them.
Figures by fiscal year
Source: NBB · 2025How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -5.8% | 19.3% | |
| Net result | €-8k | €4k | |
| Equity | €-1k | €14k | |
| Gross operating margin | €1k | €52k | |
| Total assets | €21k | €87k |
Figures by fiscal year and ratios
| Fiscal year | 2025 |
|---|---|
| Deposit | micro schema |
| Revenue | - |
| EBITDA | €5k |
| Net profit | €2k |
| Cash flow | €4k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €25k |
| Equity | €1k |
| Debt | €24k |
| of which ≤ 1y | €24k |
| of which > 1y | - |
| Working capital | €-7k |
| Employees (FTE) | - |
| 2025 | |
|---|---|
| Current ratio | 0.70 |
| Quick ratio | 0.54 |
| Working capital ratio | -28.9% |
| Solvency | 4.0% |
| Debt / equity | 23.95 |
| Long-term debt ratio | - |
| Interest coverage | 8.86 |
| Gross margin | - |
| Net margin | - |
| ROA | 8.8% |
| ROE | 220.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Full annual accounts (22 line items)
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €25k |
| Fixed assets | 21/28 | €8k |
| Intangible fixed assets | 21 | €3k |
| Tangible fixed assets | 22/27 | €5k |
| Current assets | 29/58 | €17k |
| Stocks & contracts in progress | 3 | €4k |
| Amounts receivable within one year | 40/41 | €4k |
| Cash & bank | 54/58 | €9k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €25k |
| Equity | 10/15 | €1k |
| Contributions / capital | 10/11 | €5k |
| Accumulated profits (losses) | 14 | €-4k |
| Amounts payable | 17/49 | €24k |
| Amounts payable within one year | 42/48 | €24k |
| Trade debts payable within one year | 44 | €871 |
| Income statement | ||
| Gross operating margin | 9900 | €5k |
| Operating result | 9901 | €3k |
| Financial income | 75 | €12 |
| Financial charges | 65 | €568 |
| Result before taxes | 9903 | €2k |
| Net result for the period | 9904 | €2k |
| Result to be appropriated | 9905 | €2k |
Signals
Signals
Gazette, CBE, filings and accounts in one listSignals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
No strikeouts found in the KBO publications · how complete this is
Filing history by fiscal year and how the deadline is computed
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 31-08-2026 | 31 d late | 2026-00478393 |
| 31-12-2024 | 31-07-2025 | 25-09-2025 | 56 d late | 2025-00502563 |
| 31-12-2023 | 31-07-2024 | 28-08-2024 | 28 d late | 2024-00422134 |
Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankThis address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Basse-Cour (O.) 47034 MonsEstablishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53502A0421/00D000 | Wallonia | 145 m² | - | - |
Publications
Belgian State Gazette · acts
That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.
Analysis
Credit advice
verdict per customer and amountSimilar
Similar companies
Comparable size, same sectorCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameFR | EL MONTE |