EPS MONIZZE
ActiveEPS MONIZZE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €1.58M and a net result of €5.16M. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 7% of 782 sector peers (fiscal year 2024). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 782 sector peers (2024).
NBB · sector comparisonPosition among 782 sector peers
Solvency
better than 7%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-08-2025, 13 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
not confirmed
2024
13 d late
2023
59 d late
2022
6 d early
2021
31 d late
2020
9 d late
2019
46 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Equity
€1.58M▲ 11.5%
2023 · €1.42M
2018: €953k
2019: €1.47M
2020: €1.70M
2021: €1.48M
2022: €1.51M
2023: €1.42M
2018 → 2024
Net result
€5.16M▲ 17.0%
2023 · €4.41M
2018: €1.09M
2019: €1.42M
2020: €1.73M
2021: €3.78M
2022: €4.53M
2023: €4.41M
2018 → 2024
Total assets
€99.05M▼ 25.9%
2023 · €133.64M
2018: €1.09M
2019: €2.53M
2020: €3.53M
2021: €142.00M
2022: €91.63M
2023: €133.64M
2018 → 2024
Solvency
1.6%▲ 0.5pp
2023 · 1.1%
2018: 87.2%
2019: 58.1%
2020: 48.2%
2021: 1.0%
2022: 1.6%
2023: 1.1%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.70M-€1.48M▼ 13.1%€1.51M▲ 1.9%€1.42M▼ 5.7%€1.58M▲ 11.5%
Operating result€1.79M-€3.97M▲ 122%€4.17M▲ 5.1%€4.18M▲ 0.2%€4.24M▲ 1.5%
Net result€1.73M-€3.78M▲ 118%€4.53M▲ 19.9%€4.41M▼ 2.5%€5.16M▲ 17.0%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 1% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €99.05M
Fixed assets
€4k▼ 80.2%
Current assets
€99.05M▼ 25.9%
Equity and liabilities €99.05M
Equity
€1.58M▲ 11.5%
Debt
€97.46M▼ 26.3%
The debt ratio falls from 98.9% to 98.4%: equity grows while debt is paid down.
Key figures and ratios
Solvency
1.6%▲
2023 · 1.1%
ROE
325.9%▲
2023 · 310.7%
ROA
5.2%▲
2023 · 3.3%
Debt
€97.46M▼
2023 · €132.22M
Debt ≤ 1 year
€97.46M▼
2023 · €132.22M
Income taxes
€1.72M▲
2023 · €1.27M
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€133.64M€99.05M▼
Fixed assets21/28€19k€4k▼
Intangible fixed assets21-€0
Tangible fixed assets22/27€19k€4k▼
Furniture and vehicles24€19k€4k▼
Financial fixed assets28€187€187=
Current assets29/58€133.63M€99.05M▼
Amounts receivable within one year40/41€99.54M€88.20M▼
Trade receivables40€2.31M€2.21M▼
Other amounts receivable41€97.24M€85.99M▼
Cash at bank and in hand54/58€34.08M€10.85M▼
Deferred charges and accrued income490/1€187€400▲
Equity and liabilities
Total equity and liabilities10/49€133.64M€99.05M▼
Equity10/15€1.42M€1.58M▲
Contributions10/11€1.00M€1.00M=
Capital10€1.00M€1.00M=
Issued capital100€1.00M€1.00M=
Reserves13€100k€100k=
Non-distributable reserves130/1€100k€100k=
Legal reserve130€100k€100k=
Profit (loss) carried forward14€321k€484k▲
Amounts payable17/49€132.22M€97.46M▼
Amounts payable within one year42/48€132.22M€97.46M▼
Trade debts44€234k€185k▼
Suppliers440/4€234k€185k▼
Taxes, remuneration and social security45€315k€274k▼
Taxes450/3€315k€274k▼
Other amounts payable47/48€131.68M€97.01M▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k=
Provisions for liabilities and charges: additions (uses and reversals)635/8€-31k€0▲
Other operating charges640/8€905€11k▲
Gross operating margin9900€4.17M€4.27M▲
Operating profit (loss)9901€4.18M€4.24M▲
Financial income75/76B€1.51M€2.64M▲
Recurring financial income75€1.51M€2.64M▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€5.69M€6.88M▲
Income taxes67/77€1.27M€1.72M▲
Profit (loss) for the period9904€4.41M€5.16M▲
Profit (loss) for the period to be appropriated9905€4.41M€5.16M▲
Appropriation of the result
Profit (loss) to be appropriated9906€4.82M€5.48M▲
Profit (loss) brought forward from the previous period14P€407k€321k▼
Profit to be distributed694/7€4.50M€5.00M▲
Return on contributions (dividend)694€4.50M€5.00M▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 13 days late
2024
31-12
Financial
Highest result since 2018net €5.16M ▲17%
Operating result €4.24M, net result €5.16M, both a record.
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 59 days late
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 9 days late
2020
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 46 days late
2019
31-12
Financial
Equity above €1MEq €1.47M ▲54.1%
2 profitable years in a row build equity to €1.47M.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 12 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
03-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 64 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
19 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, Brussel · 1 establishment unit since 2008
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.
Gasthuisstraat 311000 BrusselGround area
4,157 m²
Building footprint
2,165 m²
Volume, LiDAR
76,717 m³
2 parcels, Brussels · tallest building 52.5 m, ±16 floors. Linked by address, not a title deed.
1 establishment unit
EPS
since 20082.254.876.846
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21004A1360/00E000 | Brussels | 2,954 m² | 1 · 1,461 m² | 52.5 m · 16 fl. |
| 21019A0188/00Z006 | Brussels | 1,204 m² | 1 · 704 m² | 22.1 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Structure & network
Group per the LEI register
2 parent companiesParent company:C.D HOLDING INTERNATIONALE
Ultimate parent:UPCOOP
Recognitions · licences · registrations
Legal Entity Identifier
984500DFC7D108364062
Similar companies · same sector, comparable size
Roblico
BE 1006.164.568
Bertem · Eq €1.58M
PERUGIA
BE 0897.050.951
Antwerpen · Eq €1.61M
ONESTO WOONPUNT
BE 0450.367.337
Beringen · Eq €1.56M
EUROGOLD
BE 0426.259.669
Brussel · Eq €1.55M
BNP PARIBAS FORTIS CREDIT BROKERS
BE 0452.211.723
Brussel · Eq €1.62M
Of 1,505 companies in sector 66199 we hold annual accounts for 912. 461 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded25-08-2007
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
67130
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.