LE MONAC
ActiveSummary
LE MONAC has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4,968 and a net result of €2,272. Equity is growing by ~42.4% per year across the filed fiscal years. Its solvency ranks better than 46% of 18626 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71▲+7
Solvency55▲+11
Growth76=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
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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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
27 d late
2023
21 d early
2022
42 d early
2021
68 d early
2020
30 d early
2019
58 d 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 27 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 11 July (4 of the last 5 filed years within 47 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
In the rankings
#10 oldest company in Andenne, Wholesale and retail trade sector
Turnover
€1,400▲ 12.0%
2018 · €1,250
EBIT margin
-159.9%▼ 297.0pp
2018 · 137.1%
Net result
€2,272▲ 51.3%
2024 · €1,502
Working capital
€16,438▲ 90.8%
2019 · €8,614
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result€2,067€4,687▲ 127%€1,515▼ 67.7%€1,718▲ 13.4%€2,486▲ 44.7%
Net result€1,856within the sector's middle half€4,471within the sector's middle half▲ 141%€1,299within the sector's middle half▼ 70.9%€1,502within the sector's middle half▲ 15.6%€2,272within the sector's middle half▲ 51.3%
EBIT margin
Equity-€4,575below the sector's middle half▲ 28.9%-€105below the sector's middle half▲ 97.7%€1,194below the sector's middle half€2,696within the sector's middle half▲ 126%€4,968within the sector's middle half▲ 84.3%
Total assets€7,717below the sector's middle half▲ 24.7%€11,930below the sector's middle half▲ 54.6%€13,001below the sector's middle half▲ 9.0%€14,332below the sector's middle half▲ 10.2%€16,838below the sector's middle half▲ 17.5%
Debt€12,293▼ 2.6%€12,035▼ 2.1%€11,807▼ 1.9%€11,636▼ 1.4%€11,870▲ 2.0%
Working capital€16,438within the sector's middle half
Solvency-59.3%below the sector's middle half▲ 44.6pp-0.9%below the sector's middle half▲ 58.4pp9.2%within the sector's middle half▲ 10.1pp18.8%within the sector's middle half▲ 9.6pp29.5%within the sector's middle half▲ 10.7pp
Current ratio42.12above the sector's middle half
Return on assets (ROA)24.1%above the sector's middle half▲ 60.9pp37.5%above the sector's middle half▲ 13.4pp10.0%within the sector's middle half▼ 27.5pp10.5%within the sector's middle half▲ 0.5pp13.5%above the sector's middle half▲ 3.0pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 45% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €16,838
Equity
€4,968 ▲ 84.3%
Debt
€11,870 ▲ 2.0%
Debt's share of the balance-sheet total falls from 81.2% to 70.5%. Equity and debt are higher.
Key figures and ratios
Debt to equity
2.39▼
2024 · 4.32
ROE
45.7%▼
2024 · 55.7%
Debt ≤ 1 year
€400
Debt > 1 year
€11,471▼
2024 · €11,636
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,818 companies that looked in July 2024 the way this one looks now, 1.0% went bankrupt within 24 months and 95% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.0%
went bankrupt
3.7%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,818 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €433 | €433 | €469 | €472 | €485 | ▲ 2.6% |
| Gross operating margin9900 | €2,500 | €5,119 | €1,984 | €2,190 | €2,971 | ▲ 35.6% |
| Operating profit (loss)9901 | €2,067 | €4,687 | €1,515 | €1,718 | €2,486 | ▲ 44.7% |
| Financial charges65/66B | €211 | €216 | €216 | €216 | €215 | ▼ 0.7% |
| Recurring financial charges65 | €211 | €216 | €216 | €216 | €215 | ▼ 0.7% |
| Profit (loss) for the period before taxes9903 | €1,856 | €4,471 | €1,299 | €1,502 | €2,272 | ▲ 51.3% |
| Profit (loss) for the period9904 | €1,856 | €4,471 | €1,299 | €1,502 | €2,272 | ▲ 51.3% |
| Profit (loss) for the period to be appropriated9905 | €1,856 | €4,471 | €1,299 | €1,502 | €2,272 | ▲ 51.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €7,717 | €11,930 | €13,001 | €14,332 | €16,838 | ▲ 17.5% |
| Current assets29/58 | €7,717 | €11,930 | €13,001 | €14,332 | €16,838 | ▲ 17.5% |
| Amounts receivable within one year40/41 | €200 | €6,760 | €766 | €775 | €1,275 | ▲ 64.5% |
| Trade receivables40 | €200 | €6,760 | €766 | €775 | €1,275 | ▲ 64.5% |
| Cash at bank and in hand54/58 | €7,262 | €4,908 | €12,017 | €13,330 | €15,327 | ▲ 15.0% |
| Deferred charges and accrued income490/1 | €255 | €262 | €219 | €226 | €236 | ▲ 4.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €7,717 | €11,930 | €13,001 | €14,332 | €16,838 | ▲ 17.5% |
| Equity10/15 | -€4,575 | -€105 | €1,194 | €2,696 | €4,968 | ▲ 84.3% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €9,000 | €9,000 | €9,000 | €9,000 | €9,000 | = |
| Tax-exempt reserves132 | €9,000 | €9,000 | €9,000 | €9,000 | €9,000 | = |
| Profit (loss) carried forward14 | -€32,167 | -€27,697 | -€26,398 | -€24,896 | -€22,624 | ▲ 9.1% |
| Amounts payable17/49 | €12,293 | €12,035 | €11,807 | €11,636 | €11,870 | ▲ 2.0% |
| Amounts payable after more than one year17 | €12,293 | €12,035 | €11,807 | €11,636 | €11,471 | ▼ 1.4% |
| Other amounts payable178/9 | €12,293 | €12,035 | €11,807 | €11,636 | €11,471 | ▼ 1.4% |
| Amounts payable within one year42/48 | - | - | - | - | €400 | - |
| Trade debts44 | - | - | - | - | €400 | - |
| Suppliers440/4 | - | - | - | - | €400 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,856 | €4,471 | €1,299 | €1,502 | €2,272 | ▲ 51.3% |
| Operating cash flow (approximation) | €1,856 | €4,471 | €1,299 | €1,502 | €2,272 | ▲ 51.3% |
| Change in cash | - | -€2,354 | €7,108 | €1,314 | €1,996 | ▲ 52.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €4,471 ▲141%
Operating result €4,687, net result €4,471, both a record.
24-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €1,856
Net result €1,856 after 2 loss-making years.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet -€2,420
Net result drops to -€2,420, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 310.52
Current ratio from 97.15 to 310.52; short-term debt falls from €118 to €28.
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are 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, Andenne · 1 establishment unit since 1989
Ground area
2,063 m²
Building footprint
106 m²
Parcel 92124A0155/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de Thon 42, 5300 Andenne
since 19892.042.808.914
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92124A0155/00E000 | Wallonia | 2,063 m² | 1 · 106 m² | - |
Linked by address, not proof of ownership
Good to know
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
LECHALET
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HARVEY AND HAYES
BE 0554.896.022
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L'ARMAILLI
BE 0749.564.035
Habay · Eq €3,482
FROMAFRAIS
BE 0637.809.939
Anderlecht · Eq €7,102
PENDERS J.
BE 0801.033.720
Dilsen-Stokkem · Eq €3,444
Of 396 companies in sector 47271 we hold annual accounts for 154. 58 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded23-03-1989
Fiscal year end31-12
Activities, NACEBEL 2025
47271Retail trade
46220Wholesale trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0437070320
Registered
26-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.