Monoloog
ActiveSummary
Monoloog has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €105k and a net result of €90k. Equity is growing by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 81% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 5.99 against 7.46 in 2024; short-term debt: 16.6% and cash: 93.1% of total assets), and 16.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
83.1%
Return on assets
71.4%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 21-10-2025, 10 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
10 d early
2024
20 d early
2023
12 d early
2022
25 d early
2021
2 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€105k▼ 8.5%
2024 · €115k
2021: €80k
2022: €104k
2023: €133k
2024: €115k
2021 → 2025
Total assets
€126k▼ 4.7%
2024 · €133k
2021: €81k
2022: €120k
2023: €148k
2024: €133k
2021 → 2025
Net result
€90k▲ 24.2%
2024 · €73k
2021: €77k
2022: €24k
2023: €30k
2024: €73k
2021 → 2025
Working capital
€105k▼ 7.7%
2024 · €114k
2021: €77k
2022: €99k
2023: €130k
2024: €114k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€80k-€104k▲ 29.7%€133k▲ 28.5%€115k▼ 13.9%€105k▼ 8.5%
Operating result€99k-€33k▼ 66.6%€46k▲ 40.4%€108k▲ 132%€122k▲ 13.0%
Net result€77k-€24k▼ 69.1%€30k▲ 24.3%€73k▲ 146%€90k▲ 24.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 13% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €126k
Fixed assets
€635 ▼ 59.2%
Current assets
€126k ▼ 4.0%
Equity and liabilities €126k
Equity
€105k ▼ 8.5%
Debt
€21k ▲ 19.7%
Debt's share of the balance-sheet total rises from 13.4% to 16.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€123k▲
2024 · €110k
Cash flow
€91k▲
2024 · €75k
Current ratio
5.99▼
2024 · 7.46
Debt to equity
0.20▲
2024 · 0.16
ROE
85.9%▲
2024 · 63.3%
ROA
71.4%▲
2024 · 54.8%
Interest coverage
29.52▲
2024 · 8.50
Debt ≤ 1 year
€21k▲
2024 · €18k
Income taxes
€28k▲
2024 · €22k
Staff costs
€83k▲
2024 · €68k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€133k€126k▼
Fixed assets21/28€2k€635▼
Tangible fixed assets22/27€2k€635▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€2k€635▼
Current assets29/58€131k€126k▼
Amounts receivable within one year40/41€3k€1k▼
Trade receivables40€3k€1k▼
Other amounts receivable41€6€0▼
Current investments50/53€0-
Cash at bank and in hand54/58€124k€118k▼
Deferred charges and accrued income490/1€4k€7k▲
Equity and liabilities
Total equity and liabilities10/49€133k€126k▼
Equity10/15€115k€105k▼
Contributions10/11€3k€3k=
Reserves13€112k€102k▼
Distributable reserves133€112k€102k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€18k€21k▲
Amounts payable within one year42/48€18k€21k▲
Financial debts43-€19
Credit institutions430/8-€19
Trade debts44€218€4k▲
Suppliers440/4€218€4k▲
Taxes, remuneration and social security45€12k€13k▲
Taxes450/3€4k€3k▼
Remuneration and social security454/9€9k€10k▲
Other amounts payable47/48€5k€4k▼
Accrued charges and deferred income492/3€265€324▲
Income statement
Code20242025
Remuneration, social security and pensions62€68k€83k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€921▼
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€181k€208k▲
Operating profit (loss)9901€108k€122k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€13k€4k▼
Recurring financial charges65€13k€4k▼
Profit (loss) for the period before taxes9903€95k€118k▲
Income taxes67/77€22k€28k▲
Profit (loss) for the period9904€73k€90k▲
Profit (loss) for the period to be appropriated9905€73k€90k▲
Appropriation of the result
Profit (loss) to be appropriated9906€73k€90k▲
Transfer from equity791/2€91k€100k▲
Transfer to equity691/2€73k€90k▲
To other reserves6921€73k€90k▲
Profit to be distributed694/7€91k€100k▲
Return on contributions (dividend)694€91k€100k▲
The notes to these accounts (5 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
2025
21-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2021net €90k ▲24.2%
Operating result €122k, net result €90k, both a record.
2024
11-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
19-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Weakest financial yearnet €24k ▼69.1%
Net result drops to €24k, the lowest in the series; recovery starts the following year.
31-03
Financial
Equity above €100kEq €104k ▲29.7%
2 profitable years in a row build equity to €104k.
2021
02-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen · 1 establishment unit since 2020
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.
Verdussenstraat 212018 AntwerpenGround area
508 m²
Building footprint
364 m²
Volume, LiDAR
6,483 m³
2 parcels, Flanders · tallest building 27.3 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
VAV Advocaten
since 20202.306.398.890
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11804D1918/00F004 | Flanders | 319 m² | 1 · 244 m² | 27.3 m · 8 fl. |
| 11810K1538/00H002 | Flanders | 189 m² | 1 · 120 m² | 18.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
699400IZKMVQJ9FW9U12
Similar companies · same sector, comparable size
Jolius
BE 0803.860.081
Antwerpen · Eq €105,134
FAYAR Legal
BE 1010.152.357
Elsene · Eq €105,170
NK AVOCAT
BE 0793.667.658
Elsene · Eq €105,083
SMB Consulting
BE 0515.947.057
Kapellen · Eq €105,235
Sarah Wauthion
BE 1005.840.312
Jemeppe-sur-Sambre · Eq €105,026
Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 7,552 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-09-2020
Fiscal year end31-03
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.