MONOGRAM
ActiveSummary
MONOGRAM has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €63,782 and a net result of €59,782. Its solvency ranks better than 74% of 4,342 sector peers (NACE 74, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 15-05-2025 Normal situation
- Activity
- Graphic design and visual communication NACE 74120and 1 other
- Establishment unit
- 2.373.607.222 1050 Elsene, since 15-05-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 19-12-2025
Board and ownership
- MORMAL Camille Véronique PatrickDirector · since 15-05-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
- Gross margin
- €84,565
- Turnover
- ≈ €250,000
- estimated
- Profit
- €59,782
- Equity
- €63,782
- Total assets
- €86,490
- 2025 accounts filed 31 days after the deadline
Score breakdownraises riskLast filed accounts filed 31 days late; 1 of the last 3 accounts latelowers riskLiquidity: current ratio 3.68, cash €65,848Sector: Other professional, scientific and technical activities (NACE 74)Equity €63,782 (73.7% of total assets)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 74, micro). It does better than 76% of them on solvency, 83% on liquidity and 88% on profitability.
The bankruptcy probability was computed on 01-11-2026 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.
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).
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Signals
Searched, nothing found (1)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 31 days after the deadline Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00486569.
Annual accounts 2025 filed on 31-08-2026 at the NBB
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Investments
| Item | 2025 |
|---|---|
| Tangible fixed assets | €3,480 |
| Depreciation and write-downs of the year | €575 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €575 |
| Gross operating margin9900 | €84,565 |
| Operating profit (loss)9901 | €83,991 |
| Financial charges65/66B | €1,878 |
| Recurring financial charges65 | €1,878 |
| Profit (loss) for the period before taxes9903 | €82,113 |
| Income taxes67/77 | €22,331 |
| Profit (loss) for the period9904 | €59,782 |
| Profit (loss) for the period to be appropriated9905 | €59,782 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €86,490 | |
| Fixed assets21/28 | €2,906 | |
| Tangible fixed assets22/27 | €2,906 | |
| Furniture and vehicles24 | €2,906 | |
| Current assets29/58 | €83,584 | |
| Amounts receivable within one year40/41 | €17,508 | |
| Trade receivables40 | €15,796 | |
| Other amounts receivable41 | €1,711 | |
| Cash at bank and in hand54/58 | €65,848 | |
| Deferred charges and accrued income490/1 | €228 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €86,490 | |
| Equity10/15 | €63,782 | |
| Contributions10/11 | €4,000 | |
| Reserves13 | €59,782 | |
| Distributable reserves133 | €59,782 | |
| Amounts payable17/49 | €22,708 | |
| Amounts payable within one year42/48 | €22,708 | |
| Taxes, remuneration and social security45 | €22,331 | |
| Taxes450/3 | €22,331 | |
| Other amounts payable47/48 | €377 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €59,782 |
| + Depreciation and write-downs630 | €575 |
| Operating cash flow (approximation) | €60,356 |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 11,279 companies had the same profile as MONOGRAM has now. Two years later, 0.7% had gone bankrupt and 96.6% were still going.
- Micro
- under 2 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
That fits the bankruptcy probability of MONOGRAM itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 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 11,279 companies, not a prediction for MONOGRAM. 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.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00486569 |
Board & ownership
Directors
Owners and capital
Shareholders
- MORMAL Camille Véronique Patrick 400 shares (100%) · in cash
Capital transactions
- 19-05-2025 Incorporation · €4,000 · 400 shares
Articles of association
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Organe d'administration, moitié cédant moitié acquéreurs proportionnellement si plusieurs”
- 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
Articles of association, deed of 19-05-2025 (in French)
Network & group
MONOGRAM shares no director with another company.
Companies at the same address
1 other companyConnections & network
1 current directorThe network starts from the directors of MONOGRAM. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
19-05
Gazette deed
IncorporationStarting capital €4,000 · Appointment: MORMAL Camille Véronique Patrick (director) · Founder13 points ▸
- Incorporation, “MONOGRAM” (deed in French)
- Founder, MORMAL Camille Véronique Patrick
- Other provision, 30-04-2025
- Founding capital, €4,000
- Bank account, 4000, “société en formation” (deed in French)
- Other provision, “arrêt des statuts, arrêter les statuts comme suit” (deed in French)
- Capital
- Other provision, “société d’exercice du notaire” (deed in French)
- Registered office clause, “1050 Ixelles, Avenue du Bois de la Cambre”, 216 (deed in French)
- Board rule, 1, “assemblée” (deed in French)
- Director appointment, MORMAL Camille Véronique Patrick (director (not named in the articles))
- Other provision, “absence faillite et interdiction, article 2:55 Code des sociétés et des associations” (deed in French)
- The act holds 1 more point.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 202513 activities
- La prestation de services,conseils et formations en marketing,publicité,graphisme et communication et tout type d’activité liée aux domaines de la communication,publicité,édition,internet,relation publique,imprimerie,décoration,vente et en organisation d’entreprises ainsi que de tout type d’activité d’intermédiaire commercial en ce compris la conception de produits numériques,les systèmes et normes de design,la stratégie digitale et conseil et l’intégration technologique.
- Les arts graphiques en général et plus spécifiquement les dessins,animations « 3D » et créations publicitaires et autres,le traitement complet des travaux d’imprimerie.
- La création,réalisation et diffusion de travaux publicitaires,travaux de graphisme et sous toutes ses formes,la création,réalisation,impression et production d’emballages publicitaires,dépliants,catalogues,affiches,illustrations,sigles,papiers administratifs,etc…
- La promotion commerciale et la conception de tous produits,idées,matériaux quelconques et tous systèmes de production de matériaux.
- La création et la réalisation de tous travaux de publicité,notamment supports médiatiques et publicitaires pour les journaux,revues,télévisions,réseaux sociaux,radios,sites internet,etc…
- Tout service de communication,notamment relations publiques,téléphonie,publications,correspondances,rédaction,réécriture,correction de textes et adaptations de tous documents sous quelques formes que ce soit,diffusion,annonces,messagerie,travaux de traduction.
- L’organisation d’événements,manifestations,salons,'incentives' ou voyages et location de matériel afférent,mise à la disposition d’interprètes et de techniciens.
- La création de sites internet et toute activité liée au réseau internet,médias électroniques ou tout autre réseau actuel ou futur,sans limitation aucune.
- La publication de journaux,revues,brochures ou de toutes informations quel que soit leur support,destinées aux entreprises ou aux particuliers; brevets,copyrights et toute activités qui y sont liées,création de tous réseaux,associations,groupements d’ordre économiques.
- Concevoir et réaliser des enseignes,lettrages étalages,stands,présentoirs et la décoration de surfaces de tous types sans limitation aucune.
- Louer,acquérir ou obtenir toute concession d’emplacement publicitaire sur panneaux,journaux,moyens de diffusion audio-visuels ou autres ou sur les lieux d’exploitation commerciale des clients de la société ou opérer tout achat média.
- La production d’émissions de radio,de télévision et autres médias ainsi que l’enregistrement sonore et visuel.
- L’exploitation de restaurant,débit de boissons et activités traiteur.
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21446D0165/00A004 | Brussels | 223 m² | 1 · 249 m² | 10.9 m · 2 |