MONFIS
ActiveThe computed 12-month bankruptcy probability of MONFIS is 5.6% (elevated). The 2025 annual accounts show equity of €200k and a net result of €147k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 30% of 3657 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-3
Solvency36▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
5.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days only on tighter terms
Liquidity short (current ratio 0.6 against 0.65 in 2024; short-term debt: 42.6% and cash: 8.7% of total assets), and 89.4% of the assets are financed with debt.
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
10.6%
Return on assets
7.8%
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 09-07-2026, 22 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
22 d early
2024
7 d early
2023
7 d early
2022
on the day
2021
31 d late
2020
2 d early
2019
on the day
← 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, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€147k▼ 10.9%
2024 · €165k
2019: €69k
2021: €107k
2022: €138k
2023: €54k
2024: €165k
2019 → 2025
Working capital
€-318k▼ 61.5%
2024 · €-197k
2019: €-90k
2021: €-116k
2022: €-197k
2023: €-303k
2024: €-197k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€275k-€198k▼ 28.2%€146k▼ 26.3%€263k▲ 80.6%€200k▼ 24.1%
Operating result€103k-€194k▲ 88.2%€107k▼ 44.7%€270k▲ 151%€252k▼ 6.9%
Net result€107k-€138k▲ 29.5%€54k▼ 61.3%€165k▲ 208%€147k▼ 10.9%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.89M
Fixed assets
€1.40M▲ 9.7%
Current assets
€486k▲ 30.9%
Equity and liabilities €1.89M
Equity
€200k▼ 24.1%
Debt
€1.69M▲ 21.8%
The debt ratio rises from 84.0% to 89.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€443k▲
2024 · €429k
Cash flow
€338k▲
2024 · €324k
Solvency
10.6%▼
2024 · 16.0%
Current ratio
0.60▼
2024 · 0.65
Quick ratio
0.53▼
2024 · 0.57
Debt / equity
8.44▲
2024 · 5.26
ROE
73.6%▲
2024 · 62.7%
ROA
7.8%▼
2024 · 10.0%
Interest coverage
6.02▼
2024 · 6.87
Debt
€1.69M▲
2024 · €1.38M
Debt ≤ 1 year
€804k▲
2024 · €568k
Debt > 1 year
€876k▲
2024 · €807k
Income taxes
€47k▼
2024 · €57k
Staff costs
€904k▲
2024 · €707k
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€1.65M€1.89M▲
Fixed assets21/28€1.28M€1.40M▲
Intangible fixed assets21€22k€9k▼
Tangible fixed assets22/27€1.24M€1.38M▲
Land and buildings22€659k€645k▼
Plant, machinery and equipment23€26k€20k▼
Furniture and vehicles24€10k€7k▼
Leasing and similar rights25€92k€288k▲
Other tangible fixed assets26€457k€419k▼
Financial fixed assets28€11k€11k=
Current assets29/58€371k€486k▲
Stocks and contracts in progress3€48k€62k▲
Stocks30/36€48k€62k▲
Amounts receivable within one year40/41€216k€204k▼
Trade receivables40€73k€20k▼
Other amounts receivable41€143k€184k▲
Cash at bank and in hand54/58€42k€163k▲
Deferred charges and accrued income490/1€64k€56k▼
Equity and liabilities
Total equity and liabilities10/49€1.65M€1.89M▲
Equity10/15€263k€200k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€147k€94k▼
Investment grants15€95k€85k▼
Amounts payable17/49€1.38M€1.69M▲
Amounts payable after more than one year17€807k€876k▲
Financial debts170/4€807k€876k▲
Amounts payable within one year42/48€568k€804k▲
Current portion of amounts payable after more than one year42€138k€174k▲
Financial debts43€65k€130k▲
Credit institutions430/8€65k€130k▲
Trade debts44€176k€172k▼
Suppliers440/4€176k€172k▼
Taxes, remuneration and social security45€139k€127k▼
Taxes450/3€76k€48k▼
Remuneration and social security454/9€64k€79k▲
Other amounts payable47/48€50k€200k▲
Accrued charges and deferred income492/3€10k€7k▼
Income statement
Code20242025
Remuneration, social security and pensions62€707k€904k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€159k€191k▲
Other operating charges640/8€12k€8k▼
Non-recurring operating charges66A-€50k
Gross operating margin9900€1.15M€1.40M▲
Operating profit (loss)9901€270k€252k▼
Financial income75/76B€14k€16k▲
Recurring financial income75€14k€16k▲
Financial charges65/66B€63k€74k▲
Recurring financial charges65€63k€74k▲
Profit (loss) for the period before taxes9903€222k€194k▼
Income taxes67/77€57k€47k▼
Profit (loss) for the period9904€165k€147k▼
Profit (loss) for the period to be appropriated9905€165k€147k▼
Appropriation of the result
Profit (loss) to be appropriated9906€247k€294k▲
Profit (loss) brought forward from the previous period14P€82k€147k▲
Profit to be distributed694/7€100k€200k▲
Return on contributions (dividend)694€100k€200k▲
Social balance
Average headcount (FTE)908736.236.5▲
The notes to these accounts (27 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2019net €165k ▲208%
Operating result €270k, net result €165k, both a record.
31-12
Financial
Equity above €200kEq €263k ▲80.6%
5 profitable years in a row build equity to €263k.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €54k ▼61.3%
Net result drops to €54k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Equity above €200kEq €275k ▲92%
2 profitable years in a row build equity to €275k.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Brussel · 5 establishment units since 2015
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.
Baksteenkaai 861000 BrusselGround area
1,653 m²
Building footprint
566 m²
Volume, LiDAR
6,662 m³
4 parcels, Brussels, Wallonia · tallest building 18.3 m, ±5 floors. Linked by address, not a title deed.
5 establishment units
MONFIS Glacier Gaston
since 20152.247.779.020
MONFIS Glacier Gaston
since 20172.266.842.092
MONFIS Glacier Gaston
since 20202.307.904.469
MONFIS Glacier Gaston
since 20212.312.814.253
MONFIS Glacier Gaston
since 20222.338.670.493
4 parcels
Wallonia
1
(25%)
Brussels
3
(75%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21812N0445/00K000 ProtectedMonumentKoetspoort |
Brussels | 779 m² | 1 · 89 m² | 14.5 m · 4 fl. |
| 21808H1705/00E000 | Brussels | 393 m² | 1 · 212 m² | 15.4 m · 4 fl. |
| 25782D0066/00F000 | Wallonia | 285 m² | 1 · 89 m² | 12.5 m · 3 fl. |
| 21812N0389/00C000 | Brussels | 196 m² | 1 · 177 m² | 18.2 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
2 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
4 sitesBrussel2.307.904.469
Brussel2.247.779.020
Brussel2.338.670.493
Sint-Pieters-Woluwe2.266.842.092
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,784. 6,697 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-10-2015
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
10520Manufacture of food products
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.