Starting capital
€10,450 90 shares
MONKO
Overview
Lifetime
1 annual account with figurespeak -€3,417 (2025)
-€3,417
lowest -€3,774 (2025)
-€3,774
peak €6,676 (2025)
€6,676
€62
Board1 name since 2024
1 directorAMRHAR Yazid
Documentsfilings and deeds
28-08-202628 days late
2025micro format
Loss of €3,774First year with figures
Key points
from the 2025 annual accountsPosition in the sector
99.1%
Higher solvency than 95% of companies in textiles. Sector median 43.7% · 256 companies.
2025 accounts filed 28 days after the deadlineTurnover not published (micro format)
Checked score
56
Fair
Financially stronger than 61% of micro companies in textiles (NACE 13)
Probability in this band: 1.5% to 4.2%
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59.
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 496 companies (NACE 13, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
10-2025: 1.0%
11-2025: 1.0%● unchanged vs 10-2025
12-2025: 1.0%● unchanged vs 11-2025
01-2026: 1.1%▲ +0.1 percentage points vs 12-2025
02-2026: 1.1%● unchanged vs 01-2026
03-2026: 1.3%▲ +0.2 percentage points vs 02-2026
04-2026: 1.3%● unchanged vs 03-2026
05-2026: 1.4%▲ +0.1 percentage points vs 04-2026
06-2026: 1.4%● unchanged vs 05-2026
07-2026: 1.4%● unchanged vs 06-2026
08-2026: 1.5%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 0.3%▼ -1.2 percentage points vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026lowest value
11-2026: 0.3%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year
No registered site in the KBO
Founded in 2024
lowers risk
Sector: Manufacture of textiles (NACE 13)
Liquidity: current ratio 109.55, cash €2,108
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 13, micro). It does better than 88% of them on solvency, 89% on liquidity and 6% on profitability.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,223 companies had the same profile as MONKO has now. Each dot stands for 9 companies, two years later.
87.8%
were still trading
8.7%
stopped another way
3.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of MONKO itself is lower: 0.3% within 12 months. It rests on far more data about MONKO than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,223 companies, not a prediction for MONKO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No publishable credit limit, so credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Short-term debt is 0.9% and cash 31.3% of total assets. 0.9% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
28 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- LAURIENTE Lucas 30 sharesdeed of 30-09-2024
- AMRHAR Yazid 30 sharesdeed of 30-09-2024
- BROERS Nicolas Jacques Warda 30 sharesdeed of 30-09-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1014185874
Incorporation
Founding capital of €10,450, 90 shares · Founders: LAURIENTE Lucas, AMRHAR Yazid and BROERS Nicolas Jacques Warda · Appointment: AMRHAR Yazid (director) · published on 30-09-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| MONKO Charleroi | €6,738 | -€3,417 | 99.1% | - |
| Bawo.zn Meerhout | €6,150 | -€3,359 | -69.5% | - |
| Bomonti Antwerp | €2,341 | -€1,454 | -2152.6% | - |
| KARLEROI HERITAGE Charleroi | €27,577 | -€6,026 | -635.1% | - |
| JB SERVICES Geel | €1,321 | -€11,888 | -4106.5% | - |
| Modjl Antwerp | €23,041 | -€2,509 | -156.2% | - |
| TS ART Forest | €44,999 | €2,453 | -180.4% | - |
These companies have the same main activity as MONKO: manufacture of textiles (NACE 13929). They are comparable in size and age: total assets between €1,320 and €45,000, founded between 2019 and 2024.
Official details
Source: KBO- Status
- Active since 26-09-2024Normal situation
- Activity
- Manufacture of textilesNACE 13929and 1 other
- Financial year end
- 31 December
- Peppol
- Reachable since 22-01-2026
Insights on MONKO
The annual accounts of MONKO for financial year 2025 show a net loss of 56% of total assets. The 2025 annual accounts show equity of €6,676 and a net result of -€3,774.
Its solvency ranks better than 95% of 256 sector peers (NACE 13, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
The computed 12-month bankruptcy probability is 0.3% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 28-08-2026, 28 days late-€3,417
-€3,467
-€3,774
€6,676
99.1%
-
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €6,738 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
99.1%
Higher than 95% of 256 companies in 2025.
-56.0%
Higher than 7% of 248 companies in 2025.
MONKO
Middle half of the sector
80% of the sector
Micro accounts in textiles (NACE 13)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
6,738 | |
29/58 |
6,738 | |
3 |
4,630 | |
30/36 |
4,630 | |
54/58 |
2,108 | |
| Balance sheet: equity and liabilities | ||
10/49 |
6,738 | |
10/15 |
6,676 | |
10/11 |
10,450 | |
14 |
-3,774 | |
17/49 |
62 | |
42/48 |
62 | |
45 |
60 | |
450/3 |
60 | |
47/48 |
2 | |
| Income statement | ||
9900 |
-3,417 | |
640/8 |
50 | |
9901 |
-3,467 | |
65/66B |
307 | |
65 |
307 | |
9903 |
-3,774 | |
9904 |
-3,774 | |
9905 |
-3,774 | |
| Appropriation of the result | ||
9906 |
-3,774 | |
| Document | ||
The notes to these accounts have 1 item. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 28-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 28 days after the deadline. Filed on 28 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00488989.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 28-08-2026 | 2026-00488989 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 6,676 | ||
| 99.1% | ||
| 34.27 | ||
| 0.01 | ||
| -56.5% | ||
| -56.0% |
A ratio outside any meaningful range has been withheld (balance sheet total €6,738, equity €6,676).
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on MONKO
Debt's share of the balance-sheet total is 0.9%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 30-09-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 28-08-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 30-09-2024
Mandates through the years
1 name, the dashed line is todayAMRHAR Yazid
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- AMRHAR Yazid
- Director (not named in the articles), appointed by deed of 30-09-2024, still in office
Control
Founders
LAURIENTE Lucas, AMRHAR Yazid, BROERS Nicolas Jacques Warda
This company
MONKO
Equity €6,676
Loss €3,774 in 2025
Capital
- Contribution
- €10,450
- Shares
- 90
- Contribution per share
- €116
- Equity per share
- €74.18 in 2025
- Source
- deed of 30-09-2024
Articles of association
deed of 30-09-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Fixe ou proportionnelle, rémunération des administrateurs”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Thursday of June at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 30-09-2024 ↗
- LAURIENTE Lucas 30 shares (33.3%) · €3,483.33
- AMRHAR Yazid 30 shares (33.3%) · €3,483.33
- BROERS Nicolas Jacques Warda 30 shares (33.3%) · €3,483.33
Network & group
No group
MONKO has no parent and no holdings in its annual accounts. AMRHAR Yazid is the only director. MONKO shares no director with another company.
Timeline
Timeline
3 events since 2024Filings
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 28 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:1014185874
2024
IncorporationFounding capital of €10,450, 90 shares · Founders: LAURIENTE Lucas, AMRHAR Yazid and BROERS Nicolas Jacques Warda · Appointment: AMRHAR Yazid (director) · published on 30-09-20247 points ▸
- Founder, LAURIENTE Lucas
- Founder, AMRHAR Yazid
- Founder, BROERS Nicolas Jacques Warda
- Founding capital, €10,450, 90 shares
- Registered office clause, rue Paul Janson 53, 6061 Montignies-sur-Sambre
- Board rule, 2
- Director appointment, AMRHAR Yazid (director (not named in the articles))
- The deed holds 7 more points.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1014.185.874
- VAT number
- BE 1014.185.874
- Peppol ID
- 0208:1014185874
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 26-09-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Thursday of June at 18:00deed of 30-09-2024 (in French)
- Peppol
- Reachable since 22-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- MONKO in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 30-09-2024 (in French)
Activities
NACEBEL 202513929
Manufacture of textiles main activity
Codes under NACEBEL 2008
13929
Manufacture of textiles main activity
20420
Manufacture of chemicals and chemical products
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L’achat,la vente,la distribution et le commerce de détail et de gros de produits et accessoires pour la maison au sens large et…”deed of 30-09-2024 (in French)
2 activities
- L’achat,la vente,la distribution et le commerce de détail et de gros de produits et accessoires pour la maison au sens large et notamment,sans que cette énumération ne soit limitative,des coussins absorbeurs d’humidité et diffuseurs de senteurs naturelles,flacons d’huiles essentielles ainsi que tous accessoires ou produits complémentaires liés au bien-être,à la purification de l’air et à l’aromathérapie.
- Développer des activités connexes ou complémentaires liées à la décoration,l'aménagement d'intérieur,l'équipement domestique,ainsi qu’à la vente d’accessoires de mode.
Registered office and establishments
| Rue Paul Janson 53 registered office 6061 Charleroi |
Buildings and parcels at the address
- Ground area
- 217 m²
- Buildings
- 61 m²
- Volume, LiDAR
- 564 m³
- Tallest building
- 10.7 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 52412A0917/00L000 | 216 m² | 1 · 61 m² | 10.7 m · 3 |