Monceau-fontaines
ActiveMonceau-fontaines has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.39M and a net result of €29k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 65% of 4522 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-2
Solvency82▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity tight (current ratio 1.14 against 1.78 in 2024; short-term debt: 17.2% and cash: 18.2% of total assets), and 42.6% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
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
57.4%
Return on assets
1.2%
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 27-07-2026, 4 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
4 d early
2024
27 d early
2023
29 d early
2022
32 d early
2021
44 d early
2020
31 d early
2019
8 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€29k▼ 55.2%
2024 · €64k
2019: €70k
2020: €9k
2021: €53k
2022: €61k
2023: €101k
2024: €64k
2019 → 2025
Working capital
€57k▼ 82.6%
2024 · €330k
2019: €117k
2020: €148k
2021: €176k
2022: €160k
2023: €375k
2024: €330k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€970k-€1.09M▲ 12.8%€1.19M▲ 9.0%€1.32M▲ 10.7%€1.39M▲ 5.3%
Operating result€59k-€73k▲ 24.2%€118k▲ 60.3%€83k▼ 29.6%€51k▼ 38.6%
Net result€53k-€61k▲ 13.5%€101k▲ 67.3%€64k▼ 36.4%€29k▼ 55.2%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 39% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.42M
Fixed assets
€1.95M▲ 17.8%
Current assets
€473k▼ 37.2%
Equity and liabilities €2.42M
Equity
€1.39M▲ 5.3%
Provisions
€123k=
Debt
€906k▼ 5.8%
The debt ratio falls from 40.0% to 37.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€159k▼
2024 · €166k
Cash flow
€138k▼
2024 · €148k
Solvency
57.4%▲
2024 · 54.9%
Current ratio
1.14▼
2024 · 1.78
Quick ratio
1.14▼
2024 · 1.78
Debt / equity
0.65▼
2024 · 0.73
ROE
2.1%▼
2024 · 4.9%
ROA
1.2%▼
2024 · 2.7%
Interest coverage
16.38▲
2024 · 15.62
Debt
€906k▼
2024 · €962k
Debt ≤ 1 year
€416k▼
2024 · €423k
Debt > 1 year
€485k▼
2024 · €528k
Income taxes
€14k▲
2024 · €11k
Staff costs
€371k▲
2024 · €331k
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€2.41M€2.42M▲
Fixed assets21/28€1.65M€1.95M▲
Tangible fixed assets22/27€1.47M€1.76M▲
Land and buildings22€1.28M€1.50M▲
Plant, machinery and equipment23€142k€139k▼
Furniture and vehicles24€7k€45k▲
Other tangible fixed assets26€37k€75k▲
Financial fixed assets28€182k€185k▲
Current assets29/58€753k€473k▼
Amounts receivable within one year40/41€79k€33k▼
Trade receivables40€69k€33k▼
Other amounts receivable41€10k-
Current investments50/53€300k-
Cash at bank and in hand54/58€367k€439k▲
Deferred charges and accrued income490/1€8k-
Equity and liabilities
Total equity and liabilities10/49€2.41M€2.42M▲
Equity10/15€1.32M€1.39M▲
Revaluation surpluses12€585k€585k=
Reserves13€456k€484k▲
Investment grants15€280k€320k▲
Provisions and deferred taxes16€123k€123k=
Provisions for liabilities and charges160/5€123k€123k=
Pensions and similar obligations160€67k€67k=
Environmental obligations163€56k€56k=
Amounts payable17/49€962k€906k▼
Amounts payable after more than one year17€528k€485k▼
Financial debts170/4€498k€455k▼
Other amounts payable178/9€29k€29k=
Amounts payable within one year42/48€423k€416k▼
Financial debts43€42k€43k▲
Credit institutions430/8€42k€43k▲
Trade debts44€62k€36k▼
Suppliers440/4€62k€36k▼
Taxes, remuneration and social security45€41k€57k▲
Taxes450/3€43€9k▲
Remuneration and social security454/9€41k€48k▲
Accrued charges and deferred income492/3€11k€6k▼
Income statement
Code20242025
Remuneration, social security and pensions62€331k€371k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€83k€109k▲
Other operating charges640/8€1k€11k▲
Non-recurring operating charges66A€7k€7k▼
Gross operating margin9900€506k€548k▲
Operating profit (loss)9901€83k€51k▼
Financial income75/76B€4k€2k▼
Recurring financial income75€4k€2k▼
Financial charges65/66B€11k€10k▼
Recurring financial charges65€11k€10k▼
Profit (loss) for the period before taxes9903€76k€43k▼
Income taxes67/77€11k€14k▲
Profit (loss) for the period9904€64k€29k▼
Profit (loss) for the period to be appropriated9905€64k€29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€64k€29k▼
To contributions691€64k€29k▼
Social balance
Average headcount (FTE)90875.65.8▲
The notes to these accounts (12 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2019net €101k ▲67.3%
Operating result €118k, net result €101k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €1MEq €1.09M ▲12.8%
4 profitable years in a row build equity to €1.09M.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €9k ▼86.9%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
12-12-2025
Bernard SPINOIT: Resigned as Director
12-12-2025
Jacques HOCQUET: Resigned as Director
12-12-2025
MONCEAU-FONTAINES: Resigned as Director
12-07-2023
Sophie STRYCKERS: Resigned as Director
28-07-2020
Valérie Galloy: Resigned as Director
12-06-2019
Jacques HOCQUET: Resigned as Director
12-06-2019
François Foucart: Resigned as Director
28-04-2016
Dominique Bricoult: Resigned as Director
28-04-2016
Michel de Wasseige: Resigned as Director
28-04-2016
Olivier Bertieaux: Resigned as Director
21-05-2014
Bernard SPINOIT: Resigned as Director
28-09-2010
Bernard MORELLE: Resigned as Director
08-07-2010
HEINE Isabelle: Resigned as Director
Location & real-estate footprint
Registered office, Charleroi · 1 establishment unit since 2008
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 de Monceau Fontaine 426031 CharleroiGround area
1.3 ha
Building footprint
655 m²
Parcel 52047B0063/00V000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Monceau-fontaiNES
since 20082.197.845.301
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52047B0063/00V000 | Wallonia | 1.3 ha | 1 · 655 m² | - |
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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URBAN ESTATES
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BUYSE INVEST
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Oostrozebeke · Eq €1.39M
Of 12,018 companies in sector 68203 we hold annual accounts for 5,984. 3,913 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded06-07-1995
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
74855
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
4 entriesWebsite:www.monceau-fontaines.be
E-mail:info@monceau-fontaines.be
Phone:071/33 46 01
Fax:071/33 46 02