Moni4care · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Moni4care is 2.5% (moderate). The 2025 annual accounts show equity of €56k and a net result of €13k. Equity is growing by ~6.2% per year across the filed fiscal years. 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 5 annual accounts.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-03-2026, 151 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 5 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	02-03-2026	151 d early	2026-00049464
31-12-2024	31-07-2025	26-03-2025	127 d early	2025-00055694
31-12-2023	31-07-2024	19-04-2024	103 d early	2024-00066137
31-12-2022	31-07-2023	31-08-2023	31 d late	2023-00442058
31-12-2021	31-07-2022	30-08-2022	30 d late	2022-20424352

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 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, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

2.5% Moderate

0%0,5%1,5%4%10%≥25%

Young company +No NACE activity registered +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€13k

Working capital€57k-21.7%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 02-03-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~6.2%/year over 5 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

EBITDA

€20k

- 21-25

Net profit

€13k

- 21-25

Cash flow

€13k

- 21-25

Total assets

€88k

-2.5% 21-25

Equity

€56k

-23.0% 21-25

Working capital

€57k

-21.7% 21-25

Income taxes

€5k

+1214.7% 21-25

Dividends

€30k

+3501.4% 21-25

Show 9 other metrics

Debt

€32k

+85.5% 21-25

Debt ≤ 1y

€30k

+77.0% 21-25

Current ratio

2.89

-45.2% 21-25

Quick ratio

2.89

-45.2% 21-25

Solvency

64.1%

-21.0% 21-25

Debt / equity

0.56

+140.9% 21-25

ROE

23.2%

- 21-25

ROA

14.9%

- 21-25

Interest coverage

6.37

- 21-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€20k
Net profit	€13k
Cash flow	€13k
Staff costs	-
Income taxes	€5k
Dividends	€30k
Total assets	€88k
Equity	€56k
Debt	€32k
of which ≤ 1y	€30k
of which > 1y	-
Working capital	€57k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	2.89
Quick ratio	2.89
Working capital ratio	64.6%
Solvency	64.1%
Debt / equity	0.56
Long-term debt ratio	-
Interest coverage	6.37
Gross margin	-
Net margin	-
ROA	14.9%
ROE	23.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €984 · 1.1% Current assets €87k · 98.9%

Equity & liabilities

Equity €56k · 64.1% Debt €32k · 35.9%

Full annual accounts (22 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€88k
Fixed assets	21/28	€984
Tangible fixed assets	22/27	€984
Current assets	29/58	€87k
Amounts receivable within one year	40/41	€31k
Cash & bank	54/58	€5k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€88k
Equity	10/15	€56k
Contributions / capital	10/11	€3k
Reserves	13	€55k
Accumulated profits (losses)	14	€-2k
Amounts payable	17/49	€32k
Amounts payable within one year	42/48	€30k
Trade debts payable within one year	44	€178
Income statement
Gross operating margin	9900	€21k
Operating result	9901	€20k
Financial income	75	€1k
Financial charges	65	€3k
Result before taxes	9903	€18k
Income taxes	67/77	€5k
Net result for the period	9904	€13k
Result to be appropriated	9905	€13k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

98 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

1 location

Moni4care

Rue Docteur Depage(L.L) 24, 7100 La LouvièreVerpleegkundige activiteiten

since 20212.316.131.158

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area542 m²

Buildings1

Building footprint47 m²

Volume (LiDAR)345 m³

Tallest building9.6 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
55372C0077/00X042	Wallonia	541 m²	1 · 47 m²	9.6 m · 3 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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

Address history · 1

18-03-2024

Registered-office move

All acts · 1 updated 2 years ago

2024

18-03-2024 Registered office moved from Viroinval to La Louvière Registered-office change

Rue du Calvaire 30- 5670 Viroinval → nº24 rue Docteur Depage à 7100 La Louvière

Original publication ↗

Analysis

Financial profile

5 of 5 axes measured

89 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 98

Profitability 100

Solvency 99

Growth 52

Stability 94

Credit advice

verdict per customer and amount

Company registry

Company registry (CBE)

Crossroads Bank

Names & trade names

Legal nameFR

Moni4care

Registered office

Rue Docteur Depage(L.L) 24

7100 La Louvière, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.