Monif
ActiveSummary
Monif has been active since 1973 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€597,610) and a net result of €28,586. Equity is shrinking by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 5% of 1071 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.06 against 0.05 in 2024; cash: 4.1% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Return on assets
49.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 1071 sector peers (2025).
NBB · sector comparisonPosition among 1071 sector peers
Solvency
better than 5%
← weakest
strongest →
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
31 d early
2023
34 d early
2022
40 d early
2021
30 d early
2020
1 d early
2019
45 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 17 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 48% 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 30 June (5 of the last 5 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
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€28,586▲ 169%
2024 · €10,614
Working capital
-€607,528▲ 4.2%
2024 · -€634,446
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 96, Personal service activities, 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
Line20212022202320242025
Operating result€15,889-€38,749€5,543€14,456▲ 161%€33,724▲ 133%
Net result€8,446within the sector's middle half-€42,416below the sector's middle half€2,727within the sector's middle half€10,614within the sector's middle half▲ 289%€28,586within the sector's middle half▲ 169%
Equity-€597,120below the sector's middle half▲ 1.4%-€639,537below the sector's middle half▼ 7.1%-€636,810below the sector's middle half▲ 0.4%-€626,196below the sector's middle half▲ 1.7%-€597,610below the sector's middle half▲ 4.6%
Total assets€158,246within the sector's middle half▲ 6.9%€67,384below the sector's middle half▼ 57.4%€71,638below the sector's middle half▲ 6.3%€42,777below the sector's middle half▼ 40.3%€58,098within the sector's middle half▲ 35.8%
Debt€755,366▲ 0.2%€706,920▼ 6.4%€708,448▲ 0.2%€668,972▼ 5.6%€655,708▼ 2.0%
Working capital-€676,061below the sector's middle half▲ 5.3%-€682,528below the sector's middle half▼ 1.0%-€657,849below the sector's middle half▲ 3.6%-€634,446below the sector's middle half▲ 3.6%-€607,528below the sector's middle half▲ 4.2%
Solvency-377.3%below the sector's middle half▲ 31.6pp-949.1%below the sector's middle half▼ 571.8pp-888.9%below the sector's middle half▲ 60.2pp
Current ratio0.09below the sector's middle half▲ 0.070.03below the sector's middle half▼ 0.060.07below the sector's middle half▲ 0.040.05below the sector's middle half▼ 0.020.06below the sector's middle half▲ 0.02
Return on assets (ROA)5.3%within the sector's middle half▲ 79.0pp-62.9%below the sector's middle half▼ 68.3pp3.8%within the sector's middle half▲ 66.8pp24.8%above the sector's middle half▲ 21.0pp49.2%above the sector's middle half▲ 24.4pp
Staff (FTE)6.8within the sector's middle half▼ 35.8%7.2within the sector's middle half▲ 5.9%7within the sector's middle half▼ 2.8%7.9within the sector's middle half▲ 12.9%7.3within the sector's middle half▼ 7.6%
above
within
below
the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 133% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58,098
Fixed assets
€15,884 ▲ 25.7%
Current assets
€42,214 ▲ 40.0%
Key figures and ratios
EBITDA
€41,449▲
2024 · €28,441
Cash flow
€36,311▲
2024 · €24,599
Quick ratio
0.06▲
2024 · 0.04
Debt to equity
-1.10▼
2024 · -1.07
Interest coverage
8.44▲
2024 · 7.79
Debt ≤ 1 year
€649,742▼
2024 · €664,588
Income taxes
€262▲
2024 · €256
Staff costs
€189,364▼
2024 · €189,512
A ratio outside any meaningful range has been withheld (balance sheet total €58,098, equity -€597,610).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,798 companies that looked in July 2024 the way this one looks now, 2.5% went bankrupt within 24 months and 91% are still going.
- Micro
- 20 years or older
- negative equity
- a profit of 5% of the balance sheet or more
2.5%
went bankrupt
5.3%
stopped otherwise
91%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.3% 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 3,798 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €69,381 | €1,323 | €0 | - | - | - |
| Remuneration, social security and pensions62 | €102,542 | €137,648 | €154,681 | €189,512 | €189,364 | ▼ 0.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €40,021 | €22,376 | €20,616 | €13,985 | €7,725 | ▼ 44.8% |
| Other operating charges640/8 | €7,178 | €7,468 | €7,255 | €7,480 | €7,779 | ▲ 4.0% |
| Non-recurring operating charges66A | €0 | €21,508 | €3,011 | €0 | - | - |
| Gross operating margin9900 | €165,630 | €150,251 | €191,106 | €225,433 | €238,592 | ▲ 5.8% |
| Operating profit (loss)9901 | €15,889 | -€38,749 | €5,543 | €14,456 | €33,724 | ▲ 133% |
| Financial income75/76B | €12 | €0 | €1,853 | €65 | €34 | ▼ 48.1% |
| Recurring financial income75 | €12 | €0 | €1 | €65 | €34 | ▼ 48.1% |
| Non-recurring financial income76B | - | - | €1,853 | €0 | - | - |
| Financial charges65/66B | €7,217 | €3,416 | €4,417 | €3,651 | €4,909 | ▲ 34.5% |
| Recurring financial charges65 | €7,217 | €3,416 | €4,417 | €3,651 | €4,909 | ▲ 34.5% |
| Profit (loss) for the period before taxes9903 | €8,684 | -€42,165 | €2,979 | €10,870 | €28,848 | ▲ 165% |
| Income taxes67/77 | €238 | €251 | €252 | €256 | €262 | ▲ 2.5% |
| Profit (loss) for the period9904 | €8,446 | -€42,416 | €2,727 | €10,614 | €28,586 | ▲ 169% |
| Profit (loss) for the period to be appropriated9905 | €8,446 | -€42,416 | €2,727 | €10,614 | €28,586 | ▲ 169% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €158,246 | €67,384 | €71,638 | €42,777 | €58,098 | ▲ 35.8% |
| Fixed assets21/28 | €91,233 | €44,726 | €23,611 | €12,634 | €15,884 | ▲ 25.7% |
| Tangible fixed assets22/27 | €89,333 | €44,576 | €23,193 | €12,216 | €15,466 | ▲ 26.6% |
| Plant, machinery and equipment23 | €89,333 | €44,576 | €23,193 | €12,216 | €15,466 | ▲ 26.6% |
| Financial fixed assets28 | €1,900 | €150 | €418 | €418 | €418 | = |
| Current assets29/58 | €67,013 | €22,658 | €48,027 | €30,143 | €42,214 | ▲ 40.0% |
| Stocks and contracts in progress3 | €902 | €731 | €1,127 | €703 | €657 | ▼ 6.5% |
| Stocks30/36 | €902 | €731 | €1,127 | €703 | €657 | ▼ 6.5% |
| Amounts receivable within one year40/41 | €18,600 | €4,941 | €20,238 | €7,148 | €36,298 | ▲ 408% |
| Trade receivables40 | €8,505 | €4,941 | €20,138 | €6,939 | €36,298 | ▲ 423% |
| Other amounts receivable41 | €10,094 | €0 | €100 | €209 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €45,395 | €14,758 | €25,236 | €19,520 | €2,386 | ▼ 87.8% |
| Deferred charges and accrued income490/1 | €2,116 | €2,229 | €1,426 | €2,772 | €2,873 | ▲ 3.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €158,246 | €67,384 | €71,638 | €42,777 | €58,098 | ▲ 35.8% |
| Equity10/15 | -€597,120 | -€639,537 | -€636,810 | -€626,196 | -€597,610 | ▲ 4.6% |
| Contributions10/11 | €52,100 | €52,100 | €52,100 | €52,100 | €52,100 | = |
| Reserves13 | €6,684 | €6,684 | €6,684 | €6,684 | €6,684 | = |
| Non-distributable reserves130/1 | €5,206 | €5,206 | €0 | - | - | - |
| Reserves not available under the articles1311 | €5,206 | €5,206 | €0 | - | - | - |
| Tax-exempt reserves132 | €1,478 | €1,478 | €1,478 | €1,478 | €1,478 | = |
| Distributable reserves133 | - | - | €5,206 | €5,206 | €5,206 | = |
| Profit (loss) carried forward14 | -€655,905 | -€698,321 | -€695,594 | -€684,980 | -€656,394 | ▲ 4.2% |
| Amounts payable17/49 | €755,366 | €706,920 | €708,448 | €668,972 | €655,708 | ▼ 2.0% |
| Amounts payable after more than one year17 | €7,934 | €0 | - | - | - | - |
| Financial debts170/4 | €7,934 | €0 | - | - | - | - |
| Amounts payable within one year42/48 | €743,074 | €705,185 | €705,876 | €664,588 | €649,742 | ▼ 2.2% |
| Current portion of amounts payable after more than one year42 | €14,848 | €7,934 | €0 | - | - | - |
| Financial debts43 | €6,451 | €7,342 | €1,924 | €0 | €7,183 | - |
| Credit institutions430/8 | €6,451 | €7,342 | €1,924 | €0 | €7,183 | - |
| Trade debts44 | €96,078 | €79,732 | €89,592 | €59,982 | €70,509 | ▲ 17.6% |
| Suppliers440/4 | €96,078 | €79,732 | €89,592 | €59,982 | €70,509 | ▲ 17.6% |
| Taxes, remuneration and social security45 | €11,499 | €13,211 | €19,168 | €13,086 | €17,875 | ▲ 36.6% |
| Taxes450/3 | €421 | €3,963 | €503 | €489 | €5,200 | ▲ 964% |
| Remuneration and social security454/9 | €11,078 | €9,249 | €18,664 | €12,597 | €12,674 | ▲ 0.6% |
| Other amounts payable47/48 | €614,197 | €596,966 | €595,192 | €591,520 | €554,175 | ▼ 6.3% |
| Accrued charges and deferred income492/3 | €4,359 | €1,735 | €2,572 | €4,384 | €5,966 | ▲ 36.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,446 | -€42,416 | €2,727 | €10,614 | €28,586 | ▲ 169% |
| + Depreciation and write-downs630 | €40,021 | €22,376 | €20,616 | €13,985 | €7,725 | ▼ 44.8% |
| Operating cash flow (approximation) | €48,467 | -€20,040 | €23,343 | €24,599 | €36,311 | ▲ 47.6% |
| Investment in fixed assets (approximation) | - | €24,131 | €499 | -€3,008 | -€10,975 | ▼ 265% |
| Change in cash | - | -€30,638 | €10,478 | -€5,715 | -€17,134 | ▼ 200% |
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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €28,586 ▲169%
Operating result €33,724, net result €28,586, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €2,727
Net result €2,727 after one loss-making year.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €8,446
Net result €8,446 after 3 loss-making years.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet -€109,118
Net result drops to -€109,118, the lowest in the series; recovery starts the following year.
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 45 days late
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Elsene · 3 establishment units since 1973
Ground area
1,566 m²
Building footprint
610 m²
Volume, LiDAR
6,639 m³
3 parcels, Brussels · tallest building 19.6 m, ±5 floors. Linked by address, not a title deed.
13
companies at this address
See who is registered here
3 establishment units
Hogeschoollaan 27, 1050 Elsene
since 19732.008.127.850
5 A SEC
since 19732.142.811.162
Notarisstraat 64, 1050 Elsene
since 20142.235.279.975
3 parcels
Brussels
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0298/00W013 | Brussels | 1,244 m² | 1 · 389 m² | 19.6 m · 4 fl. |
| 21447B0220/00T003 | Brussels | 189 m² | 1 · 111 m² | 18.0 m · 5 fl. |
| 21445C0262/00C038 | Brussels | 134 m² | 1 · 110 m² | 18.8 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 430 companies in sector 96101 we hold annual accounts for 254. 90 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
Founded21-02-1973
Fiscal year end31-12
Activities, NACEBEL 2025
96101Personal service activities
96102Launderettes and laundries for private customers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0413018575
Also
9925:BE0413018575
Registered
28-08-2025
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.