MON VERGER
ActiveMON VERGER has been active since 1977 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €353k and a net result of €57k. Equity is growing by ~12.9% per year across the filed fiscal years. Its solvency ranks better than 58% of 2272 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+8
Solvency76▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.75 against 2.73 in 2024; short-term debt: 6.4% and cash: 21.7% of total assets), and 49.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
50.7%
Return on assets
8.3%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
36 d early
2023
51 d early
2022
14 d early
2021
18 d early
2020
3 d early
2019
3 d early
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€57k▲ 335%
2024 · €13k
2018: €10k
2019: €7k
2020: €12k
2021: €38k
2022: €15k
2023: €54k
2024: €13k
2018 → 2025
Working capital
€122k▲ 63.8%
2024 · €74k
2018: €65k
2019: €56k
2020: €43k
2021: €79k
2022: €30k
2023: €78k
2024: €74k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€214k-€229k▲ 6.8%€283k▲ 23.5%€296k▲ 4.7%€353k▲ 19.4%
Operating result€61k-€31k▼ 49.0%€78k▲ 153%€57k▼ 27.4%€78k▲ 36.6%
Net result€38k-€15k▼ 61.6%€54k▲ 268%€13k▼ 75.4%€57k▲ 335%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 37% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €696k
Fixed assets
€530k▼ 4.4%
Current assets
€166k▲ 41.6%
Equity and liabilities €696k
Equity
€353k▲ 19.4%
Debt
€343k▼ 8.8%
The debt ratio falls from 56.0% to 49.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€111k▲
2024 · €91k
Cash flow
€91k▲
2024 · €47k
Solvency
50.7%▲
2024 · 44.0%
Current ratio
3.75▲
2024 · 2.73
Quick ratio
3.75▲
2024 · 2.73
Debt / equity
0.97▼
2024 · 1.27
ROE
16.3%▲
2024 · 4.5%
ROA
8.3%▲
2024 · 2.0%
Interest coverage
9.88▲
2024 · 8.57
Debt
€343k▼
2024 · €376k
Debt ≤ 1 year
€44k▲
2024 · €43k
Debt > 1 year
€299k▼
2024 · €333k
Income taxes
€10k▼
2024 · €34k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€672k€696k▲
Fixed assets21/28€555k€530k▼
Tangible fixed assets22/27€555k€530k▼
Land and buildings22€514k€499k▼
Plant, machinery and equipment23€26k€22k▼
Furniture and vehicles24€15k€9k▼
Current assets29/58€117k€166k▲
Amounts receivable within one year40/41€3k€10k▲
Other amounts receivable41€3k€10k▲
Cash at bank and in hand54/58€113k€151k▲
Deferred charges and accrued income490/1€1k€5k▲
Equity and liabilities
Total equity and liabilities10/49€672k€696k▲
Equity10/15€296k€353k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€102k€160k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€81k€139k▲
Profit (loss) carried forward14€175k€175k=
Amounts payable17/49€376k€343k▼
Amounts payable after more than one year17€333k€299k▼
Financial debts170/4€333k€299k▼
Amounts payable within one year42/48€43k€44k▲
Current portion of amounts payable after more than one year42€40k€41k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€2k-
Remuneration and social security454/9€2k-
Other amounts payable47/48-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€33k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€94k€115k▲
Operating profit (loss)9901€57k€78k▲
Financial income75/76B€1k€927▼
Recurring financial income75€1k€927▼
Financial charges65/66B€11k€11k▲
Recurring financial charges65€11k€11k▲
Profit (loss) for the period before taxes9903€47k€67k▲
Income taxes67/77€34k€10k▼
Profit (loss) for the period9904€13k€57k▲
Profit (loss) for the period to be appropriated9905€13k€57k▲
Appropriation of the result
Profit (loss) to be appropriated9906€188k€233k▲
Profit (loss) brought forward from the previous period14P€175k€175k=
Transfer to equity691/2€13k€57k▲
To other reserves6921€13k€57k▲
The notes to these accounts (5 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €57k ▲335%
Net result €57k, the highest in the series.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €214k ▲21.6%
4 profitable years in a row build equity to €214k.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €7k ▼26.1%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
07-06
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Rixensart · 2 establishment units since 1977
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.
Avenue des Combattants 281332 RixensartGround area
2,877 m²
Building footprint
308 m²
Volume, LiDAR
3,633 m³
2 parcels, Brussels, Wallonia · tallest building 20.7 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
Avenue des Combattants 28, 1332 Rixensart
since 19772.014.295.862
MON VERGER
since 20222.338.417.404
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25033B0695/00F000 | Wallonia | 2,064 m² | 1 · 98 m² | - |
| 21362B0274/00H008 | Brussels | 812 m² | 1 · 210 m² | 20.7 m · 6 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.
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Of 11,225 companies in sector 82100 we hold annual accounts for 3,511. 2,193 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-11-1977
Fiscal year end31-12
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:ameliedesguin@yahoo.fr
Phone:02/653.09.32