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IMMO MONTOYER

Active
Public limited companyfounded 200125 years activeMontoyerstraat 3, 1000 Brussel, BelgiumKBO/BCE: BE 0474.418.189
Summary

IMMO MONTOYER has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27.4m and a net result of €1.2m. Equity is growing by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 89% of 5,669 sector peers (NACE 68, fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Overview

Activity
Renting and operating of own or leased non-residential real estate, excluding land
NACE 68203
1 site
Size
€4.7mturnover 2025
Equity
€27.4m
Profit
€1.2m
Financial health
98 Excellent Checked score 2025
Bankruptcy probability, 12 months
< 0.1%
Structure
Parent
Delcredere · 100%
Board
3 members
Auditor: KPMG Réviseurs d'EntreprisesAccounts 100 days early
Why 98- Liquidity: current ratio 5.51, cash €1.2m, halved+ Size: turnover €4.7m, total assets €29.7m+ Equity €27.4m (92.5% of total assets)+ Founded in 2001Show the evidence

Checked score

Score 2025
98 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 83% of its sector peers (NACE 68, medium-sized)
Financial strength · tick = 2024
Strong
Solvency 100=
equity 92.5% of total assets
Liquidity 55-13
short-term debt 7.5% · cash 4.0%
Profitability 82-2
return on assets 3.9%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (1,718 companies)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026lowest value 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026highest value 07-2026: < 0.1%● unchanged vs 06-2026highest value 08-2026: < 0.1%● unchanged vs 07-2026highest value 09-2026: < 0.1%● unchanged vs 08-2026highest value 10-2026: < 0.1%● unchanged vs 09-2026highest value
Credit up to €460,000 at 30 days acceptable
Liquidity ample (current ratio 5.51 against 15.68 in 2024; short-term debt: 7.5% and cash: 4% of total assets), and 7.5% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, medium-sized): better than 92% on solvency, 83% on liquidity, 94% on profitability and 63% on growth.

The bankruptcy probability was computed on 07-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
−lowers risk+raises risk○neutral
lowers risk · Size: turnover €4.7m, total assets €29.7m
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 5.51, cash €1.2m, halved
NBB · annual accounts
lowers risk · Equity €27.4m (92.5% of total assets)
NBB · annual accounts
lowers risk · Founded in 2001
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-04-2026, 100 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
100 days early
2024
98 days early
2023
43 days early
2022
54 days early
2021
95 days early
2020
72 days early
2019
50 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 73 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

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. Usually files around 27 April (4 of the last 5 filed years within 41 days of that day).
Companies Code · seven months
Position in the running window
07-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Appointment: KPMG Réviseurs d'Entreprises (commissaire aux…Declaration
  2. Annual accounts filedfiscal year 2025 · full…
  3. MiscellaneousBoard meeting

Key points

  • Positive: Among the best 7% on equitysector median €939,631 · 5,670 companies €27.4m View
  • Positive: 5 years of growth in a rowturnover 2025: €4.7m 5 years View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Controlled by Delcredereknown shareholders 100% 100% View

By topic

Financials

Fiscal year
2025
Turnover
€4.7m
Profit
€1.2m
Solvency
92.5%
Turnover▲ 4.5%
Net result
20182025
Go to Financials

Board & ownership

Board
3 members
Parent
Delcredere · 100%
Known shareholders
100%
Auditor
KPMG Réviseurs d'Entreprises
Go to Board & ownership

Timeline

Events
32
Since
2002
Next accounts
by 31-07-2027
  1. 24-04-2025Annual accounts filed
  2. 31-12-2024Highest result since 2018
  3. 31-12-2024Equity above €25m
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Renting and operating of own or leased non-residential…NACE 68203
Founded
27-03-2001
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
1
Purpose
Allerhande verrichtingen met betrekking tot onroerend goed, met name de aankoop, verkoop…
Go to Articles of association

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