Equity
€45,324 ▲ 109%
JOHAN MONTALVO has made a profit in every financial year since 2023.
JOHAN MONTALVO
Lifetime
3 annual accounts with figures on one time axisGross marginpeak €34,593 (2025)
€34,593▲ 84.0%
Resultpeak €23,617 (2025)
€23,617▲ 71.4%
Equitypeak €45,324 (2025)
€45,324▲ 109%
Debts
€3,088▼ 57.4%
Board1 name since 2023
1 directorMONTALVO DENGRA Johan
Documentsfilings and deeds
12-07-202619 days before the deadline
2025micro format
Gross margin from €18,803 to €34,593Result from €13,778 to €23,617Equity from €21,708 to €45,324Debts from €7,255 to €3,088Cash from €21,854 to €7,949
Key points
from the 2025 annual accountsTurnover
≈ €140,000 estimated
The micro format states no turnover.
Investments
€39,350 9.7 × depreciation
Green is investment, beige is depreciation.
Checked score
56
Fair
Financially stronger than 83% of micro companies without a NACE code
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.1% Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.4%
01-2025: 1.3%▼ -0.1 percentage points vs 12-2024
02-2025: 1.7%▲ +0.4 percentage points vs 01-2025
03-2025: 1.8%▲ +0.1 percentage points vs 02-2025
04-2025: 1.8%● unchanged vs 03-2025
05-2025: 1.9%▲ +0.1 percentage points vs 04-2025
06-2025: 1.9%● unchanged vs 05-2025
07-2025: 1.4%▼ -0.5 percentage points vs 06-2025
08-2025: 1.4%● unchanged vs 07-2025
09-2025: 1.4%● unchanged vs 08-2025
10-2025: 1.3%▼ -0.1 percentage points vs 09-2025
11-2025: 1.3%● unchanged vs 10-2025
12-2025: 1.3%● unchanged vs 11-2025
01-2026: 1.3%● unchanged vs 12-2025lowest value
02-2026: 1.3%● unchanged vs 01-2026lowest value
03-2026: 1.4%▲ +0.1 percentage points vs 02-2026
04-2026: 1.4%● unchanged vs 03-2026
05-2026: 1.5%▲ +0.1 percentage points vs 04-2026
06-2026: 1.5%● unchanged vs 05-2026
07-2026: 1.7%▲ +0.2 percentage points vs 06-2026
08-2026: 2.0%▲ +0.3 percentage points vs 07-2026
09-2026: 2.1%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 2.1%● unchanged vs 09-2026highest value
11-2026: 2.1%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2023
No main activity registered
No registered site in the KBO
lowers risk
Liquidity: current ratio 4.25, cash €7,949, halved
Calculation
The band follows from the bankruptcy probability. 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 (no NACE code, micro). It does better than 81% of them on solvency, 66% on liquidity, 90% on profitability and 93% on growth.
The bankruptcy probability was computed on 05-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as JOHAN MONTALVO has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of JOHAN MONTALVO itself: 2.1% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for JOHAN MONTALVO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.25 (3.99 in 2024), above the usual 1.5. Short-term debt is 6.4% and cash 16.4% of total assets. 6.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 12-07-2026, 19 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
19 days early
2024
37 days early
2023
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 3 accounts on average 19 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 12 July (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0797638027
Incorporation
Founding capital of €3,000, 300 shares · Founder: MONTALVO DENGRA Johan · Appointment: MONTALVO DENGRA Johan (director) · published on 30-01-2023 · Gazette deed
Official details
Source: KBO- Status
- Active since 26-01-2023Normal situation
- Activity
- “L’exercice et la pratique de la kinésithérapie et de l’ostéopathie dans le sens le…” (deed in French)From the articles, 7 activitiesNo NACE code in the KBO yet
- Financial year end
- 31 December
- Peppol
- Reachable since 29-03-2026
Annual accounts 2025
- Total assets
- €48,413▲ 67.2%
- Filing
- Filed on 12-07-2026, 19 days before the end of the filing period
Insights on JOHAN MONTALVO
JOHAN MONTALVO files the micro format. That format states no turnover. The gross margin rose from €9,261 in 2023 to €34,593 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about JOHAN MONTALVO
- What is the company number of JOHAN MONTALVO?
- The company number of JOHAN MONTALVO is 0797.638.027. The VAT number is the same number with BE in front: BE 0797.638.027.
- Where is JOHAN MONTALVO based?
- The registered office is at Rue de l'Yser 47, 4430 Ans.Company details
- What is the legal form of JOHAN MONTALVO?
- JOHAN MONTALVO is a private limited company (BV).
- When was JOHAN MONTALVO founded?
- JOHAN MONTALVO was founded on 26-01-2023.
- Is JOHAN MONTALVO still active?
- Yes, JOHAN MONTALVO is an active enterprise in the KBO register.
- What is the turnover of JOHAN MONTALVO?
- The turnover in financial year 2025 is ≈ €140,000. This figure is estimated from the gross margin of €34,593 and 2,953 comparable companies of the same size. It probably lies between €84,000 and €250,000. It is a rough estimate.Financials
- Is JOHAN MONTALVO profitable?
- In financial year 2025, JOHAN MONTALVO made a profit of €23,617.
- Where can I find the annual accounts of JOHAN MONTALVO?
- JOHAN MONTALVO filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of JOHAN MONTALVO due?
- JOHAN MONTALVO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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