IMMonti

Active

Private limited companyfounded 20242 yrs activeSberchamps, Au Monsay 23, 6800 Libramont-Chevigny, BelgiumKBO/BCE: BE 1008.550.966

Summary

IMMonti has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €378,140 and a net result of -€71,860. The computed 12-month bankruptcy probability is 1.2% (low).

Risk analysisWatch Report Compare

IMMontiActiveChecked score 66/100

Risk analysis Report Compare

Activity

Holiday cottages, homes and apartments

NACE 55203

1 site

Size

€380,783total assets 2024

Equity: €378,140
Loss: -€71,860

Turnover not published (abridged schema)

Financial health

66 Healthy Checked score 2024

Bankruptcy chance 12 m: 1.2%

Structure

Accounts 39 d early0 of 1 deed read

Why 66- Figures for FY 2024 (filed 30-07-2025)- Loss of €71,860 (FY 2024)- Founded in 2024+ Liquidity: current ratio 43.39, cash €110,615Show the evidence

Checked score

Score 2024

66 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 63% of its sector peers (NACE 55, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 100

equity 99.3% of total assets

Liquidity 86

short-term debt 0.7% · cash 29.0%

Profitability 0

return on assets -18.9%

Bankruptcy probability, 12 months

1.2% Low

0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (2,484 companies)

Last 13 months 10-2025: 0.3%lowest value 11-2025: 0.3%▲ +4.9% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.4%▲ +3.2% vs 12-2025 02-2026: 0.3%▼ -1.7% vs 01-2026 03-2026: 0.3%▼ -0.6% vs 02-2026 04-2026: 0.4%▲ +7.3% vs 03-2026 05-2026: 0.4%▲ +4.1% vs 04-2026 06-2026: 0.4%▲ +1.6% vs 05-2026 07-2026: 0.4%▲ +7.9% vs 06-2026 08-2026: 0.5%▲ +23.0% vs 07-2026 09-2026: 0.6%▲ +23.2% vs 08-2026 10-2026: 1.2%▲ +94.2% vs 09-2026highest value

Figures for FY 2024 (filed 30-07-2025) raises the probability
Loss of €71,860 (FY 2024) raises the probability
Founded in 2024 raises the probability for this profile
Liquidity: current ratio 43.39, cash €110,615 lowers the probability

Credit up to €24,000 at 30 days only on tighter terms

Liquidity ample (current ratio 43.39; short-term debt: 0.7% and cash: 29% of total assets), and 0.7% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 55, micro). Better than this share of them on solvency 93%, liquidity 92%, profitability 5%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

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

−lowers risk+raises risk○neutral

Figures for FY 2024 (filed 30-07-2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Loss of €71,860 (FY 2024)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Founded in 2024

In the bankruptcy model this factor raises the probability for this profile.

KBO

Liquidity: current ratio 43.39, cash €110,615

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-06-2026, 39 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

39 d early

2024

1 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 20 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 45% of the sector filed late.

Checked, nothing found (2)

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 months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 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