MON COUVREUR
ActiveSummary
MON COUVREUR has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-15k) and a net result of €-4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
27
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability16▼-31
Solvency0▼-1
Growth38=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
cash: 0.7% of total assets, and equity is negative.
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-35.1%
Return on assets
-8.6%
Age of the figures
21 mo
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 · 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 · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-15k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
68 d late
2022
27 d late
2021
30 d late
2020
4 d early
2019
26 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€19k▲ 32.0%
2021 · €14k
2018: €36k
2019: €3k
2020: €46k
2021: €14k
2018 → 2022
EBIT margin
-55.0%▲ 101.2pp
2021 · -156.2%
2018: -26.6%
2019: -383.5%
2020: 2.1%
2021: -156.2%
2018 → 2022
Net result
€-4k
2023 · €2k
2018: €-19k
2019: €-12k
2020: €979
2021: €-22k
2022: €-10k
2023: €2k
2018 → 2024
Working capital
€48k▲ 4.0%
2022 · €46k
2022: €46k
2022 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€46k-€14k▼ 69.2%€19k▲ 32.0%
Equity€-37k-€-3k▲ 91.5%€-13k▼ 330%€-12k▲ 13.5%€-15k▼ 32.6%
Operating result€979-€-22k€-10k▲ 53.5%€2k€-4k
Net result€979-€-22k€-10k▲ 53.5%€2k€-4k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €4k after €2k in 2023.
Key figures and ratios
Solvency
-35.1%▼
2023 · -23.5%
Debt to equity
-3.85▲
2023 · -5.25
ROA
-8.6%▼
2023 · 3.7%
Debt
€60k▼
2023 · €61k
Debt > 1 year
€60k=
2023 · €60k
Income taxes
€-9▼
2023 · €265
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 · 2024 against 2023 · 31 lines
Balance sheet
Code20232024
Assets
Total assets20/58€50k€44k▼
Current assets29/58€50k€44k▼
Amounts receivable within one year40/41€40k€40k▲
Trade receivables40€7k€7k=
Other amounts receivable41€33k€33k▲
Cash at bank and in hand54/58€5k€296▼
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€50k€44k▼
Equity10/15€-12k€-15k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Profit (loss) carried forward14€-74k€-77k▼
Amounts payable17/49€61k€60k▼
Amounts payable after more than one year17€60k€60k=
Financial debts170/4€60k€60k=
Amounts payable within one year42/48€2k-
Trade debts44€2k-
Suppliers440/4€2k-
Income statement
Code20232024
Non-recurring operating income76A€6k-
Other operating charges640/8€705€387▼
Gross operating margin9900€3k€-3k▼
Operating profit (loss)9901€2k€-4k▼
Financial charges65/66B€63€68▲
Recurring financial charges65€63€68▲
Profit (loss) for the period before taxes9903€2k€-4k▼
Income taxes67/77€265€-9▼
Profit (loss) for the period9904€2k€-4k▼
Profit (loss) for the period to be appropriated9905€2k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-74k€-77k▼
Profit (loss) brought forward from the previous period14P€-75k€-74k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
27-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 27 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €-22k ▼2373%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €979
Net result €979 after 2 loss-making years.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 26 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 26 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 14 days late
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
11-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
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, Chaumont-Gistoux · 1 establishment unit since 1993
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 Frères Poels, Dion-V. 71325 Chaumont-GistouxGround area
1,251 m²
Building footprint
155 m²
Volume, LiDAR
1,104 m³
2 parcels, Brussels, Wallonia · tallest building 14.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
N.C.I.
since 19932.062.690.647
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25026A0055/00T000 | Wallonia | 760 m² | 1 · 37 m² | 6.4 m · 1 fl. |
| 21682C0165/00E009 | Brussels | 491 m² | 1 · 118 m² | 14.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
ITD CONSTRUCT
BE 0831.154.002
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MKT CONSTRUCT
BE 0638.818.838
Kraainem · Eq €30,108
DONDOI CONSTRUCT
BE 0675.441.781
Ukkel · Eq €30,145
Magique Carro
BE 0766.806.675
Sint-Pieters-Leeuw · Eq €30,162
CROVE
BE 0667.937.545
Ganshoren · Eq €30,074
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,684 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 formPublic limited company
Founded12-03-1993
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.