MANON
ActiveMANON has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €318k and a net result of €-12k. Equity is shrinking by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 50% of 75 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2026
Axes · tick = 2025
Profitability0=
Solvency52▲+1
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days only on tighter terms
Liquidity short (current ratio 0.43 against 0.42 in 2025), and 59.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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 · Persistent losses
Two consecutive loss-making years (2025 and 2026); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2026Net result per financial year
1920212223242526
2019 to 2026 · latest year -€12k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 06-09-2026, 147 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
147 d early
2025
169 d early
2024
124 d early
2023
101 d early
2022
100 d early
2021
123 d early
2020
112 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2027 and is due by 31-01-2028. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-06-2027 close31-01-2028 deadline
Financials · fiscal year 2026, abbreviated schema
Equity
€318k▼ 3.8%
2025 · €331k
2019: €144k
2020: €391k
2021: €378k
2022: €367k
2023: €356k
2024: €345k
2025: €331k
2019 → 2026
Total assets
€780k▼ 4.6%
2025 · €818k
2019: €311k
2020: €396k
2021: €587k
2022: €924k
2023: €892k
2024: €857k
2025: €818k
2019 → 2026
Net result
€-12k▲ 14.2%
2025 · €-14k
2019: €94k
2020: €247k
2021: €-13k
2022: €-11k
2023: €-10k
2024: €-11k
2025: €-14k
2019 → 2026
Working capital
€-56k▲ 1.1%
2025 · €-57k
2019: €-49k
2021: €2k
2022: €-52k
2023: €-56k
2024: €-55k
2025: €-57k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€367k-€356k▼ 2.8%€345k▼ 3.2%€331k▼ 4.2%€318k▼ 3.8%
Operating result€-2k-€-117▲ 93.3%€591€-3k€-1k▲ 48.8%
Net result€-11k-€-10k▲ 11.1%€-11k▼ 10.8%€-14k▼ 27.7%€-12k▲ 14.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1k in 2026 against €3k in 2025; the loss shrinks.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €780k
Fixed assets
€738k▼ 4.9%
Current assets
€42k▲ 1.0%
Equity and liabilities €780k
Equity
€318k▼ 3.8%
Debt
€462k▼ 5.1%
The debt ratio falls from 59.6% to 59.2%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€36k▲
2025 · €35k
Cash flow
€25k▲
2025 · €23k
Solvency
40.8%▲
2025 · 40.4%
Current ratio
0.43▲
2025 · 0.42
Quick ratio
0.43▲
2025 · 0.42
Debt / equity
1.45▼
2025 · 1.47
ROE
-3.9%▲
2025 · -4.4%
ROA
-1.6%▲
2025 · -1.8%
Interest coverage
3.28▲
2025 · 2.95
Debt
€462k▼
2025 · €487k
Debt ≤ 1 year
€98k▼
2025 · €99k
Debt > 1 year
€358k▼
2025 · €384k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€818k€780k▼
Fixed assets21/28€776k€738k▼
Tangible fixed assets22/27€776k€738k▼
Land and buildings22€773k€737k▼
Other tangible fixed assets26€3k€1k▼
Current assets29/58€42k€42k▲
Amounts receivable within one year40/41-€3k
Trade receivables40-€3k
Cash at bank and in hand54/58€40k€37k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€818k€780k▼
Equity10/15€331k€318k▼
Contributions10/11€352k€352k=
Capital10€352k€352k=
Issued capital100€352k€352k=
Profit (loss) carried forward14€-21k€-34k▼
Amounts payable17/49€487k€462k▼
Amounts payable after more than one year17€384k€358k▼
Financial debts170/4€384k€358k▼
Amounts payable within one year42/48€99k€98k▼
Current portion of amounts payable after more than one year42€26k€26k▲
Trade debts44€7€1k▲
Suppliers440/4€7€1k▲
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Other amounts payable47/48€70k€70k=
Accrued charges and deferred income492/3€4k€5k▲
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€38k▼
Other operating charges640/8€5k€3k▼
Gross operating margin9900€40k€39k▼
Operating profit (loss)9901€-3k€-1k▲
Financial charges65/66B€12k€11k▼
Recurring financial charges65€12k€11k▼
Profit (loss) for the period before taxes9903€-14k€-12k▲
Profit (loss) for the period9904€-14k€-12k▲
Profit (loss) for the period to be appropriated9905€-14k€-12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-21k€-34k▼
Profit (loss) brought forward from the previous period14P€-7k€-21k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2027, expected by
2026
06-09
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
2025
15-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
2024
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
22-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
23-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
11-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Highest result since 2019net €247k ▲164%
Operating result €249k, net result €247k, both a record.
30-06
Financial
Equity above €200kEq €391k ▲172%
2 profitable years in a row build equity to €391k.
2019
26-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2023
This board is reconstructed from a single act (23044280). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Guy Charlier
CurrentManaging director · since 30-03-2023
Jan Charlier
CurrentDirector · since 30-03-2023
Paula Aerts
CurrentDirector · since 30-03-2023
Sofie Charlier
CurrentDirector · since 30-03-2023
30-03-2023
Guy Charlier: Appointed as Managing director
30-03-2023
Jan Charlier: Appointed as Director
30-03-2023
Paula Aerts: Appointed as Director
30-03-2023
Sofie Charlier: Appointed as Director
Location & real-estate footprint
Registered office, Overijse · 1 establishment unit since 1997
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Ballingstraat 1133090 OverijseGround area
426 m²
Building footprint
104 m²
Volume, LiDAR
947 m³
Parcel 23544C0145/00M002, Flanders · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Tervuursesteenweg 8, 3000 Leuven
since 19972.082.598.116
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23544C0145/00M002 | Flanders | 426 m² | 1 · 104 m² | 12.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
IMMOPA-BIS
BE 1012.447.594
Bilzen-Hoeselt · Eq €318k
THOST
BE 0783.636.967
Gent · Eq €319k
MORIMMO
BE 0468.474.267
Peer · Eq €318k
SECCI
BE 0447.065.377
Mons · Eq €318k
LONGIMAC
BE 0871.955.467
Lasne · Eq €319k
Of 9,094 companies in sector 68201 we hold annual accounts for 6,725. 4,967 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded03-06-1997
Fiscal year end30-06
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.