MICHAEL MONT
ActiveSummary
The computed 12-month bankruptcy probability of MICHAEL MONT is 2.2% (moderate). The 2025 annual accounts show equity of €41k and a net result of €33. Equity is growing by ~29.1% per year across the filed fiscal years. Its solvency ranks better than 72% of 27786 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-18
Solvency93▼-7
Growth52=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.9 against 4.35 in 2024; short-term debt: 32.4% and cash: 62.7% of total assets), and 32.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
67.6%
Return on assets
0.1%
Age of the figures
9 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
9 d early
2024
60 d late
2023
41 d early
2022
18 d late
2021
51 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€33▼ 99.7%
2024 · €12k
2021: €15k
2022: €12k
2023: €18k
2024: €12k
2021 → 2025
Working capital
€37k▼ 36.8%
2024 · €59k
2021: €16k
2022: €32k
2023: €51k
2024: €59k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€34k▲ 53.2%€52k▲ 52.0%€64k▲ 23.0%€41k▼ 36.0%
Operating result€19k-€15k▼ 20.9%€23k▲ 54.9%€15k▼ 34.1%€656▼ 95.6%
Net result€15k-€12k▼ 19.8%€18k▲ 49.6%€12k▼ 32.8%€33▼ 99.7%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 96% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€4k ▼ 37.5%
Current assets
€57k ▼ 25.6%
Equity and liabilities €60k
Equity
€41k ▼ 36.0%
Debt
€20k ▲ 6.6%
Debt's share of the balance-sheet total rises from 22.4% to 32.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€3k▼
2024 · €17k
Cash flow
€2k▼
2024 · €14k
Current ratio
2.90▼
2024 · 4.35
Debt to equity
0.48▲
2024 · 0.29
ROE
0.1%▼
2024 · 18.7%
ROA
0.1%▼
2024 · 14.5%
Interest coverage
16.11▼
2024 · 90.78
Debt ≤ 1 year
€20k▲
2024 · €18k
Income taxes
€444▼
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€82k€60k▼
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€6k€4k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€76k€57k▼
Amounts receivable after more than one year29€13k-
Other amounts receivable291€13k-
Amounts receivable within one year40/41€28k€18k▼
Trade receivables40€19k€11k▼
Other amounts receivable41€9k€7k▼
Cash at bank and in hand54/58€35k€38k▲
Deferred charges and accrued income490/1€881€909▲
Equity and liabilities
Total equity and liabilities10/49€82k€60k▼
Equity10/15€64k€41k▼
Contributions10/11€8k€8k=
Reserves13€56k€33k▼
Distributable reserves133€56k€33k▼
Amounts payable17/49€18k€20k▲
Amounts payable within one year42/48€18k€20k▲
Trade debts44€14k€13k▼
Suppliers440/4€14k€13k▼
Taxes, remuneration and social security45€3k€6k▲
Taxes450/3€2k€4k▲
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48-€833
Accrued charges and deferred income492/3€858-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€524€548▲
Gross operating margin9900€18k€3k▼
Operating profit (loss)9901€15k€656▼
Financial income75/76B€330€1▼
Recurring financial income75€330€1▼
Financial charges65/66B€188€180▼
Recurring financial charges65€188€180▼
Profit (loss) for the period before taxes9903€15k€477▼
Income taxes67/77€3k€444▼
Profit (loss) for the period9904€12k€33▼
Profit (loss) for the period to be appropriated9905€12k€33▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€33▼
Transfer from equity791/2-€23k
Transfer to equity691/2€12k€33▼
To other reserves6921€12k€33▼
Profit to be distributed694/7-€23k
Return on contributions (dividend)694-€23k
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 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €33 ▼99.7%
Net result drops to €33, the lowest in the series.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €18k ▲49.6%
Operating result €23k, net result €18k, both a record.
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
20-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 51 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Beauraing
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.
rue des Acacias 285570 BeauraingGround area
981 m²
Building footprint
93 m²
Volume, LiDAR
588 m³
Parcel 91013A0107/00F003, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91013A0107/00F003 | Wallonia | 981 m² | 1 · 92 m² | 7.8 m · 2 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.
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 4,342 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.