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Complete company report
Generated 15-08-2026
Active BE 0756.473.801Public limited company

In Summo Montis

Jaargetijdenlaan 100/102 ·1050 Elsene, Belgium· 5 yrs active
Sector: Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies (70200)
Conclusion Checked

The computed 12-month bankruptcy probability of In Summo Montis is 0.7% (low). The 2025 annual accounts show negative equity (€-824k) and a net result of €-320k. Equity is shrinking by ~117.6% per year across the filed fiscal years. Its solvency ranks better than 5% of 301 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.
Key figures
Equity €-824k
Net result €-320k
Better than sector 5%
Active 5 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health47Profitability100Solvency67Growth32Stability94
68 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 47
Profitability 100
Solvency 67
Growth 32
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
0.7% Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2025 · computed
47 / 100 Fair
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview5 NBB filings
Annual accounts filed on 01-06-2026 with the NBB · fiscal year 2025 · volledig
€-400k€-300k€-200k€-100k€0Operating result 2021: €-3k€-3kNet result 2021: €-11k€-11kOperating result 2022: €30k€30kNet result 2022: €-35k€-35kOperating result 2023: €-143k€-143kNet result 2023: €-246k€-246kOperating result 2024: €-147k€-147kNet result 2024: €-286k€-286kOperating result 2025: €-145k€-145kNet result 2025: €-320k€-320k20212022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~117.6%/year over 5 fiscal years, indicative, assuming unchanged policy.
€-2.00M€-1.50M€-1.00M€-500k€02026: €-1.02M (€-1.08M - €-949k)2027: €-1.27M (€-1.36M - €-1.19M)2028: €-1.53M (€-1.64M - €-1.41M)2021: €-8k2022: €28k2023: €-218k2024: €-503k2025: €-824k20212022202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How 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).

Sector comparison
Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency -17.4% 42.2%
better than 5% of 301 sector peers
Net result €-320k €57k
better than 5% of 300 sector peers
Equity €-824k €208k
better than 5% of 301 sector peers
Gross operating margin €-144k €84k
better than 5% of 250 sector peers
Total assets €4.73M €693k
better than 76% of 301 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€-320k
-12.1% 21-25
Total assets
€4.73M
+36.3% 21-25
Equity
€-824k
-63.7% 21-25
Working capital
€3.23M
+35.4% 21-25
Debt
€5.55M
+39.8% 21-25
Debt ≤ 1y
€1.10M
+60.3% 21-25
Debt > 1y
€4.45M
+35.5% 21-25
Current ratio
3.93
-12.0% 21-25
Show 5 other metrics
Quick ratio
3.93
-12.0% 21-25
Solvency
-17.4%
-20.1% 21-25
Debt / equity
-6.74
+14.6% 21-25
ROE
38.9%
-31.5% 21-25
ROA
-6.8%
+17.7% 21-25
Figures by fiscal year
Fiscal year2025
Depositvolledig
Revenue-
EBITDA-
Net profit€-320k
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€4.73M
Equity€-824k
Debt€5.55M
of which ≤ 1y€1.10M
of which > 1y€4.45M
Working capital€3.23M
Employees (FTE)-
Ratios (computed)
2025
Current ratio3.93
Quick ratio3.93
Working capital ratio68.3%
Solvency-17.4%
Debt / equity-6.74
Long-term debt ratio-5.40
Interest coverage-
Gross margin-
Net margin-
ROA-6.8%
ROE38.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€4.73M
Fixed assets 21/28€395k
Financial fixed assets 28€395k
Current assets 29/58€4.34M
Amounts receivable within one year 40/41€4.32M
Cash & bank 54/58€18k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€4.73M
Equity 10/15€-824k
Contributions / capital 10/11€66k
Accumulated profits (losses) 14€-890k
Amounts payable 17/49€5.55M
Amounts payable after one year 17€4.45M
Amounts payable within one year 42/48€1.10M
Trade debts payable within one year 44€101k
Income statement
Gross operating margin 9900€-144k
Operating result 9901€-145k
Financial income 75€0
Financial charges 65€175k
Result before taxes 9903€-320k
Net result for the period 9904€-320k
Result to be appropriated 9905€-320k
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • Oppers Consultancy CommVLegal entity
    Manager· perm. rep.: Oppers Consultancy CommV
    State Gazette act 22044180 (06-04-2022)
    Current
    03-01-2022 → present
Permanent representatives (2)
These people represent a legal-person director (a management company, for instance). They hold no board mandate of their own and do not count as directors.
  • Jan Oppers
    Permanent representative
    State Gazette act 22044180 (06-04-2022)
    Permanent representative
    03-01-2022 → present
  • Cicero Management BVLegal entity
    Permanent representative· perm. rep.: Jesse De Preter
    State Gazette act 22044180 (06-04-2022)
    Permanent representative
    - → 03-01-2022
Former directors (1)
  • Cicero Management BVLegal entity
    Manager
    State Gazette act 22044180 (06-04-2022)
    Former
    - → 03-01-2022
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies(70200)
Legal form Public limited company(014)
Incorporation12-10-2020
StatusActive
Postal code1050
Establishment units 1 location
In Summo Montis
Jaargetijdenlaan 100-102, 1050 ElseneHoldings
since 20202.313.407.339
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels 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.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21445C0272/00M005 Brussels 1,289 m² 1 · 1,331 m² 21.4 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 7 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
01-06-2026
NBB filing Annual accounts filed
fiscal year 2025 · volledig
2025
26-05-2025
NBB filing Annual accounts filed
fiscal year 2024 · volledig
2024
31-05-2024
NBB filing Annual accounts filed
fiscal year 2023 · volledig
2023
27-06-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
05-01-2023
NBB filing Annual accounts filed
fiscal year 2021 · micro
2022
27-04-2022
State Gazette act Capital & shares
Laurence ANNET
06-04-2022
State Gazette act Director changes
Belgian State Gazette reading coverage 0 of 4 acts read

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts
Capital history · 1
27-04-2022
Capital change
All acts · 2 updated 4 years ago
2022
27-04-2022 Capital increase of €63,000 to €66,000 Capital & shares·Laurence ANNET
  • €3.000 → €66.000
  • Inbreng in geld · Apport en numéraire
  • 3 kapitaalbewegingen in deze akte
Notary: Laurence ANNET · Erpent
Technical details 
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      "share_emission": {
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    }
  ],
  "notary": {
    "name": "Laurence ANNET",
    "firm_city": null,
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    "office_city": "Erpent",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2022-04-27",
    "filing_date": "2020-09-15",
    "act_kind_objet": "Objet de l\u0027acte :"
  },
  "decision": {
    "body": "algemene_vergadering",
    "act_date": "2022-03-31",
    "unanimous": true,
    "under_authorized_capital": false,
    "underlying_resolution_date": null
  },
  "bedrijfsrevisor": {
    "waived": false,
    "firm_kbo": null,
    "firm_name": "Knaepen Lafontaine R\u00E9viseurs D\u0027entreprises",
    "ibr_number": "B00413.343.922",
    "mission_type": "fusion_special_report",
    "individual_name": "Philippe Knaepen"
  },
  "subject_company": {
    "kbo": "0756.473.801",
    "name_full": "IN SUMMO MONTIS",
    "legal_form": "soci\u00E9t\u00E9 en commandite",
    "is_foreign_registered": false
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Laurence Annet",
    "org_rep_person_name": null,
    "person_role_at_subject": "notaire"
  },
  "co_filed_documents": [
    "exp\u00E9dition",
    "coordonn\u00E9s"
  ],
  "shareholders_after": [
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      "kbo": "0756.473.801",
      "pct": 100.0,
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      "role": "aandeelhouder",
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}
06-04-2022 2 directors appointed, 2 resigning Director changes
  • Oppers Consultancy CommV, Zaakvoerder
  • Jan Oppers, Vaste vertegenwoordiger
  • Cicero Management BV, Zaakvoerder
  • Jesse De Preter, Vaste vertegenwoordiger
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "zaakvoerder",
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        "name": "Cicero Management BV",
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      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
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      "compensated": null,
      "effective_date": "2022-01-03",
      "evidence_quote": "De Algemene Vergadering beslist tot het ontslag van haar zaakvoerder Cicero Management BV (met ondernemingsnummer 0534.900.857) en diens vaste vertegenwoordiger Jesse De Preter, met rijksregisternummer 77.12.30-411.02).",
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    {
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        "address": null,
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      },
      "reason": null,
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      },
      "statutory": "statutair",
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      },
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      "compensated": false,
      "effective_date": "2022-01-03",
      "evidence_quote": "Jan Oppers (met rijksregisternummer 80.03.31-407.73) zal de functie van vaste vertegenwoordiger uitoefenen.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
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      "effective_date_qualifier": "immediate"
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  ],
  "notary": {
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    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2022-04-06",
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  },
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      "body": "algemene_vergadering",
      "date": "2022-01-03",
      "unanimous": true
    }
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  "publication_proxy": {
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}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Holdings64200Activiteiten van holdings64210
Primary activity highlighted.
Names & trade names
Legal nameNL In Summo Montis
Registered office
Jaargetijdenlaan 100/102 bus 30
1050 Elsene, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative