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MON CAFE

Active
Private limited companyfounded 201412 yrs activeLombaardstraat 8, 3500 Hasselt, BelgiumKBO/BCE: BE 0547.936.865

The computed 12-month bankruptcy probability of MON CAFE is 1.6% (moderate). The 2024 annual accounts show equity of €155k and a net result of €42k. Equity is growing by ~72.3% per year across the filed fiscal years. Its solvency ranks better than 84% of 18938 sector peers (fiscal year 2024). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
100 / 100
Excellent▲ +6 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+53
Solvency100▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
1.6% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 3.1 against 2.38 in 2023), and 29.8% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.
lowers risk+raises riskneutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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 date
Age against the risk zone
elevated failure risk from 2 to 8 years 12 years 0 20 y
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
60 d late
2023
97 d late
2022
60 d late
2021
178 d late
2020
118 d late
2019
122 d late
← before the deadline after the deadline →
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Turnover
€183k
EBIT margin
-6.2%
Net result
€42k▲ 291%
2023 · €11k
2018: €-19k 2019: €-2k 2020: €19k 2021: €80k 2022: €-2k 2023: €11k
2018 → 2024
Working capital
€138k▲ 38.3%
2023 · €100k
2018: €-21k 2019: €-25k 2020: €7k 2021: €86k 2022: €88k 2023: €100k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20202021202220232024Trend
Equity€24k-€104k▲ 329%€102k▼ 1.6%€113k▲ 10.5%€155k▲ 37.0%
Operating result€28k-€103k▲ 273%€11k▼ 89.0%€24k▲ 108%€68k▲ 187%
Net result€19k-€80k▲ 326%€-2k€11k€42k▲ 291%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€-50k€0€50k€100kOperating result 2020: €28k€28kNet result 2020: €19k€19kOperating result 2021: €103k€103kNet result 2021: €80k€80kOperating result 2022: €11k€11kNet result 2022: €-2k€-2kOperating result 2023: €24k€24kNet result 2023: €11k€11kOperating result 2024: €68k€68kNet result 2024: €42k€42k20202021202220232024
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 187% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €221k
Fixed assets €17k▲ 26.8%
Current assets €204k▲ 18.3%
Equity and liabilities €221k
Equity €155k▲ 37.0%
Debt €66k▼ 9.4%
The debt ratio falls from 39.1% to 29.8%: equity grows while debt is paid down.
Key figures and ratios
2024 value · change against 2023
EBITDA
€70k
2023 · €29k
Cash flow
€45k
2023 · €16k
Solvency
70.2%
2023 · 60.9%
Current ratio
3.10
2023 · 2.38
Quick ratio
3.03
2023 · 2.32
Debt / equity
0.42
2023 · 0.64
ROE
27.0%
2023 · 9.5%
ROA
19.0%
2023 · 5.8%
Interest coverage
7.01
2023 · 3.19
Debt
€66k
2023 · €73k
Debt ≤ 1 year
€66k
2023 · €72k
Income taxes
€16k
2023 · €6k
Staff costs
€66k
2023 · €60k
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 · 2024 against 2023
Balance sheet Code20232024
Assets
Total assets20/58€186k€221k
Fixed assets21/28€13k€17k
Tangible fixed assets22/27€4k€8k
Land and buildings22€983€0
Plant, machinery and equipment23€2k€6k
Furniture and vehicles24€950€2k
Financial fixed assets28€9k€9k=
Current assets29/58€172k€204k
Stocks and contracts in progress3€4k€5k
Stocks30/36€4k€5k
Amounts receivable within one year40/41€86k€99k
Trade receivables40€19k€17k
Other amounts receivable41€67k€82k
Cash at bank and in hand54/58€82k€99k
Deferred charges and accrued income490/1-€702
Equity and liabilities
Total equity and liabilities10/49€186k€221k
Equity10/15€113k€155k
Contributions10/11€50k€50k=
Reserves13€63k€105k
Distributable reserves133€63k€105k
Profit (loss) carried forward14€0-
Amounts payable17/49€73k€66k
Amounts payable within one year42/48€72k€66k
Current portion of amounts payable after more than one year42€0€3k
Trade debts44€29k€23k
Suppliers440/4€29k€23k
Taxes, remuneration and social security45€44k€40k
Taxes450/3€29k€21k
Remuneration and social security454/9€14k€19k
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€13€13=
Income statement Code20232024
Remuneration, social security and pensions62€60k€66k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€3k
Other operating charges640/8€5k€2k
Gross operating margin9900€94k€138k
Operating profit (loss)9901€24k€68k
Financial income75/76B€2k€6
Recurring financial income75€2k€6
Financial charges65/66B€9k€10k
Recurring financial charges65€9k€10k
Profit (loss) for the period before taxes9903€17k€58k
Income taxes67/77€6k€16k
Profit (loss) for the period9904€11k€42k
Profit (loss) for the period to be appropriated9905€11k€42k
Appropriation of the result
Profit (loss) to be appropriated9906€9k€42k
Profit (loss) brought forward from the previous period14P€-2k€0
Transfer to equity691/2€9k€42k
To other reserves6921€9k€42k

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

2025
29-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial Equity above €150kEq €155k ▲37%
2 profitable years in a row build equity to €155k.
05-11
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 97 days late
2023
31-12
Financial Back to profitnet €11k
Net result €11k after one loss-making year.
29-09
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
25-01
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 178 days late
2021
31-12
Financial Highest result since 2018net €80k ▲326%
Operating result €103k, net result €80k, both a record.
31-12
Financial Equity above €100kEq €104k ▲329%
2 profitable years in a row build equity to €104k.
26-11
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 118 days late
2020
31-12
Financial Back to profitnet €19k
Net result €19k after 2 loss-making years.
30-11
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
21-10
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 82 days late
2018
04-10
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema · 65 days late
2017
13-11
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema · 105 days late
2016
28-09
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
2 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, Hasselt · 1 establishment unit since 2014
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.

Lombaardstraat 83500 Hasselt
Ground area
114 m²
Building footprint
114 m²
Volume, LiDAR
1,344 m³
Parcel 71022H1162/00F000, Flanders · tallest building 16.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
MON CAFE
Lombaardstraat 8, 3500 HasseltCafés and bars
since 20142.228.487.106
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71022H1162/00F000 Flanders 114 m² 1 · 114 m² 16.6 m · 4 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

Of 13,834 companies in sector 56301 we hold annual accounts for 4,807. 3,293 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded14-03-2014
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.