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Complete company report
Generated 03-08-2026
Active BE 0771.559.576Public limited company

Monese EU

Arnaud Fraiteurlaan 15-23 ·1050 Elsene, Belgium· 5 yrs active
Sector: Financial services (64999)
Conclusion Checked

Monese EU is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2022 annual accounts show equity of €175k and a net result of €114k. Its solvency ranks better than 11% of 412 sector peers (fiscal year 2022). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €175k
Net result €114k
Better than sector 11%
Active 5 yrs
Snowflake analysis 5 axes · computed by Checked
Health0Profitability100Solvency16Growth50Stability79
49 / 100

Mixed profile: strong on profitability, weaker on health.

Health 0
Profitability 100
Solvency 16
Growth 50
Stability 79
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Financial overview1 NBB filings
Annual accounts filed on 29-09-2023 with the NBB · fiscal year 2022 · volledig
Sector comparison
Fiscal year 2022 · NACE 64, Financial services · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 4.6% 44.2%
better than 11% of 412 sector peers
Net result €114k €44k
better than 62% of 412 sector peers
Equity €175k €2.00M
better than 25% of 412 sector peers
Gross operating margin €64k €28k
better than 65% of 210 sector peers
Total assets €3.84M €6.37M
better than 41% of 412 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2022
Revenuen/a
EBITDAn/a
Net profit€114k
Cash flown/a
Staff costs-
Income taxes€38k
Dividends-
Total assets€3.84M
Equity€175k
Debt€3.67M
of which ≤ 1y€3.53M
of which > 1y-
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2022
Current ration/a
Quick ration/a
Working capital ration/a
Solvency4.6%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA3.0%
ROE64.9%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€3.84M
Current assets 29/58€3.84M
Amounts receivable within one year 40/41€498k
Cash & bank 54/58€2.66M
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€3.84M
Equity 10/15€175k
Contributions / capital 10/11€62k
Reserves 13€114k
Amounts payable 17/49€3.67M
Amounts payable within one year 42/48€3.53M
Trade debts payable within one year 44€3.48M
Income statement
Gross operating margin 9900€64k
Operating result 9901€64k
Financial income 75€131k
Financial charges 65€44k
Result before taxes 9903€151k
Income taxes 67/77€38k
Net result for the period 9904€114k
Result to be appropriated 9905€114k
Ratios computed by Checked.
Legal Structure
NACE primary Financial services(64999)
Legal form Public limited company(014)
Incorporation19-07-2021
StatusActive
Postal code1050
Establishment units 1 location
Monese EU
Arnaud Fraiteurlaan 15-23, 1050 ElseneOverige financiële dienstverlening, neg
since 20212.319.846.258
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21446F0030/00A000 Brussels 7,406 m² 1 · 1,655 m² 28.5 m · 6 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
17-01-2025
State Gazette act Director changes
2024
30-07-2024
State Gazette act Director changes
2023
29-09-2023
NBB filing Annual accounts filed
fiscal year 2022 · volledig
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 1 year ago
2025
17-01-2025 5 directors appointed, 1 resigning Director changes
  • Virraj Jatania, Bestuurder
  • Maxime Colle, Bestuurder
  • Delphine Penninck, Bestuurder
  • Chaima Qnioun, Bestuurder
  • Maxine Daems, Bestuurder
  • Norris Koppel, Bestuurder
Technical details 
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      "reason": "de_plein_droit_dissolution",
      "subkind": null,
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      "statutory": "statutair",
      "compensated": false,
      "effective_date": "2024-12-17",
      "evidence_quote": "L\u0027actionnaire unique a pris connaissance et confirme la d\u00E9mission de Monsieur Norris Koppel en tant qu\u0027administrateur de la soci\u00E9t\u00E9 avec effet au 17 d\u00E9cembre 2024.",
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      "evidence_quote": "L\u0027actionnaire unique a decide de donner une procuration sp\u00E9ciale \u00E0 Monsieur Maxime Colle, Madame Delphine Penninck, Madame Chaima Qnioun et Madame Maxine Daems avocats chez Lydian, dont les bureaux sont situ\u00E9s Havenlaan 86c b113, 1000 Bruxelles, agissant tous seuls et avec possibilit\u00E9 de substitutio",
      "decharge_status": null,
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      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
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      "decharge_status": null,
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    {
      "kind": "delegation_dagelijks_bestuur_in",
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      "via_org": {
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        "name": "Lydian",
        "address": "Havenlaan 86c b113, 1000 Bruxelles",
        "country": "BE",
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      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "L\u0027actionnaire unique a decide de donner une procuration sp\u00E9ciale \u00E0 Monsieur Maxime Colle, Madame Delphine Penninck, Madame Chaima Qnioun et Madame Maxine Daems avocats chez Lydian, dont les bureaux sont situ\u00E9s Havenlaan 86c b113, 1000 Bruxelles, agissant tous seuls et avec possibilit\u00E9 de substitutio",
      "decharge_status": null,
      "mandate_duration": {
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      "rep_rotation_old_rep": null,
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  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Bruxelles",
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2025-01-17",
    "filing_date": "2025-01-09",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "enig_aandeelhouder_schriftelijk",
      "date": "2024-12-17",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0771.559.576",
    "name_full": "Monese EU",
    "legal_form": "SA"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Chaima Qnioun",
    "org_rep_person_name": null,
    "person_role_at_subject": "Mandataire"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2024
30-07-2024 Stéphane ROSIER appointed as statutory auditor Director changes
  • Stéphane ROSIER, Commissaris
Technical details 
{
  "events": [
    {
      "kind": "commissaris_in",
      "role": "commissaris",
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      "evidence_quote": "Le proc\u00E8s-verbal de l\u0027assembl\u00E9e g\u00E9n\u00E9rale extraordinaire des actionnaires tenu le 21 Juin 2024, indique la nomination de la Soci\u00E9t\u00E9 \u00E0 Responsabilit\u00E9 Limit\u00E9e \u00AB\u003C Callens, Vandelanotte, Theunissen \u00BB, ayant son si\u00E8ge \u00E0 2018 Antwerpen, Jan Van Rijswijcklaan 10, avec num\u00E9ro d\u0027entreprise 0427.897.088, repr\u00E9",
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    "office_city": "DUDUXELLES",
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  "act_meta": {
    "language": "fr",
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  "publication_proxy": {
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    "org_kbo": "0407.901.826",
    "org_name": "DECOSTERE ACCOUNTANCY AVELGEM",
    "person_name": null,
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Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank
Activities
Overige financiële dienstverlening64999Overige financiële dienstverlening, neg64999Overige ondersteunende activiteiten in verband met financiële diensten, exclusief verzekeringen en pensioenfondsen, n.e.g.66199Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen66199Verzekeringsagenten en -makelaars66220Activiteiten van verzekeringsagenten en -makelaars66220Overige ondersteunende activiteiten in verband met verzekeringen en pensioenfondsen66290Ondersteunende activiteiten in verband met verzekeringen en pensioenfondsen, neg66290Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameFR Monese EU
Registered office
Arnaud Fraiteurlaan 15-23
1050 Elsene, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative