GARAGE MONTEYNE
ActiveSummary
GARAGE MONTEYNE has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €43k. Equity is growing by ~25.3% per year across the filed fiscal years. Its solvency ranks better than 49% of 1517 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+13
Solvency55=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.93 against 2.22 in 2024; short-term debt: 44.5% and cash: 6.7% of total assets), but 69.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← fewer bankruptcies
more bankruptcies →
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
30.2%
Return on assets
13.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
28 d late
2023
1 d early
2022
25 d early
2021
23 d late
2020
16 d early
2019
62 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€96k▲ 12.7%
2024 · €85k
2018: €3k
2019: €4k
2020: €28k
2021: €50k
2022: €60k
2023: €75k
2024: €85k
2018 → 2025
Total assets
€318k▲ 10.8%
2024 · €287k
2018: €21k
2019: €261k
2020: €248k
2021: €243k
2022: €272k
2023: €306k
2024: €287k
2018 → 2025
Net result
€43k▲ 325%
2024 · €10k
2018: €-11k
2019: €419
2020: €12k
2021: €21k
2022: €10k
2023: €15k
2024: €10k
2018 → 2025
Working capital
€131k▼ 0.6%
2024 · €132k
2018: €-3k
2019: €-55k
2020: €-26k
2021: €145k
2022: €128k
2023: €181k
2024: €132k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€50k-€60k▲ 20.7%€75k▲ 25.4%€85k▲ 13.4%€96k▲ 12.7%
Operating result€28k-€14k▼ 48.9%€23k▲ 61.0%€15k▼ 31.8%€58k▲ 274%
Net result€21k-€10k▼ 51.6%€15k▲ 47.9%€10k▼ 33.6%€43k▲ 325%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 274% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €318k
Fixed assets
€45k ▼ 2.8%
Current assets
€273k ▲ 13.5%
Equity and liabilities €318k
Equity
€96k ▲ 12.7%
Debt
€222k ▲ 10.0%
Debt's share of the balance-sheet total falls from 70.3% to 69.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€77k▲
2024 · €33k
Cash flow
€62k▲
2024 · €28k
Current ratio
1.93▼
2024 · 2.22
Quick ratio
0.70▲
2024 · 0.54
Debt to equity
2.31▼
2024 · 2.36
ROE
44.7%▲
2024 · 11.8%
ROA
13.5%▲
2024 · 3.5%
Interest coverage
20.11▼
2024 · 24.33
Debt ≤ 1 year
€142k▲
2024 · €108k
Debt > 1 year
€77k▼
2024 · €92k
Income taxes
€11k▲
2024 · €4k
Staff costs
€121k▲
2024 · €80k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 59 lines
Balance sheet
Code20242025
Assets
Total assets20/58€287k€318k▲
Fixed assets21/28€46k€45k▼
Tangible fixed assets22/27€46k€45k▼
Land and buildings22€6k€6k▼
Plant, machinery and equipment23€22k€27k▲
Furniture and vehicles24€18k€12k▼
Current assets29/58€241k€273k▲
Stocks and contracts in progress3€182k€173k▼
Stocks30/36€182k€173k▼
Amounts receivable within one year40/41€28k€54k▲
Trade receivables40€28k€54k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€25k€21k▼
Deferred charges and accrued income490/1€7k€24k▲
Equity and liabilities
Total equity and liabilities10/49€287k€318k▲
Equity10/15€85k€96k▲
Contributions10/11€19k€19k=
Reserves13€67k€78k▲
Non-distributable reserves130/1€291€0▼
Reserves not available under the articles1311€291€0▼
Tax-exempt reserves132€6k€6k=
Distributable reserves133€60k€71k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€202k€222k▲
Amounts payable after more than one year17€92k€77k▼
Financial debts170/4€92k€77k▼
Amounts payable within one year42/48€108k€142k▲
Current portion of amounts payable after more than one year42€16k€15k▼
Financial debts43€46€0▼
Other loans439€46€0▼
Trade debts44€39k€41k▲
Suppliers440/4€39k€41k▲
Taxes, remuneration and social security45€22k€26k▲
Taxes450/3€4k€5k▲
Remuneration and social security454/9€18k€21k▲
Other amounts payable47/48€31k€59k▲
Accrued charges and deferred income492/3€1k€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€80k€121k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€19k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€1k€0▼
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€6k€0▼
Gross operating margin9900€122k€200k▲
Operating profit (loss)9901€15k€58k▲
Financial income75/76B€61€43▼
Recurring financial income75€61€43▼
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€14k€54k▲
Income taxes67/77€4k€11k▲
Profit (loss) for the period9904€10k€43k▲
Profit (loss) for the period to be appropriated9905€10k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€43k▲
Transfer from equity791/2-€19k
Transfer to equity691/2€10k€30k▲
To other reserves6921€10k€30k▲
Profit to be distributed694/7-€32k
Return on contributions (dividend)694-€19k
Directors or managers695-€13k
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Highest result since 2018net €43k ▲325%
Operating result €58k, net result €43k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Liquidity quadruplescurrent ratio 3.41
Current ratio from 0.88 to 3.41; short-term debt falls from €218k to €60k.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 62 days late
2019
31-12
Financial
Back to profitnet €419
Net result €419 after one loss-making year.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 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, Lo-Reninge · 1 establishment unit since 1999
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.
Veurnesteenweg 38647 Lo-ReningeGround area
4,524 m²
Building footprint
1,287 m²
Volume, LiDAR
7,061 m³
Parcel 32020B0749/00H000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GARAGE MONTEYNE
since 19992.090.998.019
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32020B0749/00H000 | Flanders | 4,524 m² | 1 · 1,287 m² | 8.3 m · 2 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
D.L. CARS
BE 0861.380.487
Herentals · Eq €96,450
CITYHORSE
BE 0823.949.870
Kluisbergen · Eq €96,624
DEXRENT
BE 0459.737.834
Maasmechelen · Eq €96,890
I&E AFFAIRES
BE 0880.502.553
Jurbise · Eq €96,958
HERMANS-BRACKE
BE 0829.754.331
Tongeren-Borgloon · Eq €97,019
Of 1,443 companies in sector 77110 we hold annual accounts for 727. 502 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-04-1999
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
77110Renting and leasing of cars and light motor vehicles
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.