MONA21
ActiveSummary
The computed 12-month bankruptcy probability of MONA21 is 2.8% (moderate). The 2025 annual accounts show negative equity (-€43,728) and a net result of €27,397. Equity is growing by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 13% of 10519 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability63▲+24
Solvency23▲+3
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.23 against 0.24 in 2024; short-term debt: 69.2% and cash: 0.6% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 10519 sector peers (2025).
NBB · sector comparisonPosition among 10519 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
30 d late
2022
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 31 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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. Usually files around 31 August (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
-€43,728▲ 38.5%
2024 · -€71,125
Total assets
€1.9m▲ 29.8%
2024 · €1.5m
Net result
€27,397▲ 208%
2024 · €8,905
Working capital
-€1.0m▼ 60.1%
2024 · -€630,509
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result-€204,199--€9,037▲ 95.6%€20,471€69,850▲ 241%
Net result-€212,672below the sector's middle half--€17,358below the sector's middle half▲ 91.8%€8,905within the sector's middle half€27,397within the sector's middle half▲ 208%
Equity-€62,672below the sector's middle half--€80,030below the sector's middle half▼ 27.7%-€71,125below the sector's middle half▲ 11.1%-€43,728below the sector's middle half▲ 38.5%
Total assets€95,671within the sector's middle half-€249,087within the sector's middle half▲ 160%€1.5mabove the sector's middle half▲ 487%€1.9mabove the sector's middle half▲ 29.8%
Debt€158,344-€329,117▲ 108%€1.5m▲ 366%€1.9m▲ 26.7%
Working capital-€29,980below the sector's middle half--€157,393below the sector's middle half▼ 425%-€630,509below the sector's middle half▼ 301%-€1.0mbelow the sector's middle half▼ 60.1%
Solvency-65.5%below the sector's middle half--32.1%below the sector's middle half▲ 33.4pp-4.9%below the sector's middle half▲ 27.3pp-2.3%below the sector's middle half▲ 2.6pp
Current ratio0.57below the sector's middle half-0.21below the sector's middle half▼ 0.360.24below the sector's middle half▲ 0.030.23below the sector's middle half▼ 0.01
Return on assets (ROA)-222.3%below the sector's middle half--7.0%below the sector's middle half▲ 215.3pp0.6%within the sector's middle half▲ 7.6pp1.4%within the sector's middle half▲ 0.8pp
Staff (FTE)1.7within the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
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 has risen three years in a row; 2025 is 241% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.9m
Fixed assets
€1.6m ▲ 26.6%
Current assets
€304,824 ▲ 50.0%
Key figures and ratios
EBITDA
€216,949
Cash flow
€174,497
Quick ratio
0.04▼
2024 · 0.11
Debt to equity
-44.43▼
2024 · -21.56
Interest coverage
5.11
Debt ≤ 1 year
€1.3m▲
2024 · €833,770
Debt > 1 year
€621,467▼
2024 · €688,970
Staff costs
€30,353
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 516 companies that looked in July 2024 the way this one looks now, 3.7% went bankrupt within 24 months and 92% are still going.
- Micro
- 2 to 5 years old
- negative equity
- a profit under 5% of the balance sheet
3.7%
went bankrupt
2.3%
stopped otherwise
92%
still going
A further 2.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 516 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €30,353 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,649 | - | - | €147,100 | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | €183,697 | - | - | - | - |
| Other operating charges640/8 | - | €1,535 | €1,655 | €8,304 | ▲ 402% |
| Gross operating margin9900 | -€11,853 | -€7,502 | €22,126 | €255,606 | ▲ 1,055% |
| Operating profit (loss)9901 | -€204,199 | -€9,037 | €20,471 | €69,850 | ▲ 241% |
| Financial income75/76B | - | - | €1,510 | €0 | ▼ 100.0% |
| Recurring financial income75 | - | - | €1,510 | €0 | ▼ 100.0% |
| Financial charges65/66B | €8,473 | €8,320 | €13,076 | €42,452 | ▲ 225% |
| Recurring financial charges65 | €8,473 | €8,320 | €13,076 | €42,452 | ▲ 225% |
| Profit (loss) for the period before taxes9903 | -€212,672 | -€17,358 | €8,905 | €27,397 | ▲ 208% |
| Profit (loss) for the period9904 | -€212,672 | -€17,358 | €8,905 | €27,397 | ▲ 208% |
| Profit (loss) for the period to be appropriated9905 | -€212,672 | -€17,358 | €8,905 | €27,397 | ▲ 208% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €95,671 | €249,087 | €1.5m | €1.9m | ▲ 29.8% |
| Fixed assets21/28 | €56,000 | €207,552 | €1.3m | €1.6m | ▲ 26.6% |
| Tangible fixed assets22/27 | €56,000 | €207,552 | €1.3m | €1.6m | ▲ 26.4% |
| Land and buildings22 | €56,000 | €207,552 | €1.3m | €1.4m | ▲ 13.1% |
| Plant, machinery and equipment23 | - | - | - | €109,646 | - |
| Furniture and vehicles24 | - | - | - | €58,288 | - |
| Financial fixed assets28 | - | - | - | €2,420 | - |
| Current assets29/58 | €39,671 | €41,535 | €203,261 | €304,824 | ▲ 50.0% |
| Stocks and contracts in progress3 | - | - | €110,881 | €246,098 | ▲ 122% |
| Stocks30/36 | - | - | €110,881 | €246,098 | ▲ 122% |
| Amounts receivable within one year40/41 | €114 | €2,594 | €80,941 | €43,050 | ▼ 46.8% |
| Trade receivables40 | €32 | €56 | €46,639 | €42,445 | ▼ 9.0% |
| Other amounts receivable41 | €82 | €2,537 | €34,302 | €606 | ▼ 98.2% |
| Cash at bank and in hand54/58 | €39,558 | €38,941 | €5,752 | €12,106 | ▲ 110% |
| Deferred charges and accrued income490/1 | - | - | €5,687 | €3,570 | ▼ 37.2% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €95,671 | €249,087 | €1.5m | €1.9m | ▲ 29.8% |
| Equity10/15 | -€62,672 | -€80,030 | -€71,125 | -€43,728 | ▲ 38.5% |
| Contributions10/11 | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Profit (loss) carried forward14 | -€212,672 | -€230,030 | -€221,125 | -€193,728 | ▲ 12.4% |
| Amounts payable17/49 | €158,344 | €329,117 | €1.5m | €1.9m | ▲ 26.7% |
| Amounts payable after more than one year17 | €88,693 | €130,115 | €688,970 | €621,467 | ▼ 9.8% |
| Financial debts170/4 | €88,693 | €130,115 | €688,970 | €621,467 | ▼ 9.8% |
| Amounts payable within one year42/48 | €69,651 | €198,928 | €833,770 | €1.3m | ▲ 57.7% |
| Current portion of amounts payable after more than one year42 | €68,999 | €84,550 | €235,890 | €97,784 | ▼ 58.5% |
| Financial debts43 | - | - | - | €407 | - |
| Credit institutions430/8 | - | - | - | €407 | - |
| Trade debts44 | €176 | €3,850 | €178,283 | €511,340 | ▲ 187% |
| Suppliers440/4 | €176 | €3,850 | €178,283 | €511,340 | ▲ 187% |
| Taxes, remuneration and social security45 | - | - | - | €7,439 | - |
| Taxes450/3 | - | - | - | €3,125 | - |
| Remuneration and social security454/9 | - | - | - | €4,314 | - |
| Other amounts payable47/48 | €476 | €110,528 | €419,596 | €697,571 | ▲ 66.2% |
| Accrued charges and deferred income492/3 | - | €74 | €11,074 | €6,898 | ▼ 37.7% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€212,672 | -€17,358 | €8,905 | €27,397 | ▲ 208% |
| + Depreciation and write-downs630 | €8,649 | - | - | €147,100 | - |
| Operating cash flow (approximation) | -€204,023 | -€17,358 | €8,905 | €174,497 | ▲ 1,860% |
| Investment in fixed assets (approximation) | - | -€151,552 | -€1.1m | -€482,026 | ▲ 54.2% |
| Change in cash | - | -€616 | -€33,189 | €6,354 | ▲ 119% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2022net €27,397 ▲208%
Operating result €69,850, net result €27,397, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Back to profitnet €8,905
Net result €8,905 after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Onhaye · 2 establishment units since 2021
Ground area
6,759 m²
Building footprint
479 m²
Volume, LiDAR
1,285 m³
2 parcels, Wallonia · tallest building 4.8 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
Rue Emile-Collard, Ant. 7, 5520 Onhaye
since 20212.328.836.871
STATIONRS
since 20252.380.146.408
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93002B0429/00A000 | Wallonia | 6,247 m² | 1 · 309 m² | 4.8 m · 1 fl. |
| 93001D0082/00B002 | Wallonia | 513 m² | 1 · 170 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHastière2.380.146.408
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Of 1,265 companies in sector 47300 we hold annual accounts for 951. 314 are within a factor 10 of this headcount. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded17-11-2021
Fiscal year end31-12
Activities, NACEBEL 2025
47300Retail sale of automotive fuel
46120Wholesale trade
47110Non-specialised retail sale with food, beverages or tobacco predominating
47242Retail sale of chocolate and confectionery
47260Retail trade
56112Limited-service restaurants, excluding mobile food services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0777434016
Also
9925:BE0777434016
Registered
06-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.