MONPHICA
ActiveMONPHICA has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €80k and a net result of €5k. Equity is growing by ~43.9% per year across the filed fiscal years. Its solvency ranks better than 61% of 4554 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability29▼-71
Solvency60▼-40
Growth52=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.84 against 3.98 in 2024), and 58.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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
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
41.8%
Return on assets
2.4%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
37 d early
2023
7 d late
2022
31 d late
2021
136 d early
2020
54 d early
2019
14 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€80k▲ 6.1%
2024 · €75k
2018: €-50k
2019: €-56k
2020: €-36k
2021: €8k
2022: €42k
2023: €49k
2024: €75k
2018 → 2025
Total assets
€191k▲ 94.1%
2024 · €99k
2018: €87k
2019: €38k
2020: €27k
2021: €38k
2022: €92k
2023: €93k
2024: €99k
2018 → 2025
Net result
€5k▼ 82.7%
2024 · €27k
2018: €40k
2019: €-6k
2020: €20k
2021: €44k
2022: €34k
2023: €7k
2024: €27k
2018 → 2025
Working capital
€-7k
2024 · €69k
2018: €-76k
2019: €-80k
2020: €-52k
2021: €-4k
2022: €30k
2023: €42k
2024: €69k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8k-€42k▲ 419%€49k▲ 15.6%€75k▲ 55.0%€80k▲ 6.1%
Operating result€59k-€52k▼ 12.3%€13k▼ 75.5%€39k▲ 204%€9k▼ 77.6%
Net result€44k-€34k▼ 23.3%€7k▼ 80.6%€27k▲ 306%€5k▼ 82.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 78% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €191k
Fixed assets
€157k▲ 2,547%
Current assets
€34k▼ 62.9%
Equity and liabilities €191k
Equity
€80k▲ 6.1%
Debt
€111k▲ 379%
The debt ratio rises from 23.6% to 58.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€10k▼
2024 · €40k
Cash flow
€6k▼
2024 · €28k
Solvency
41.8%▼
2024 · 76.4%
Current ratio
0.84▼
2024 · 3.98
Quick ratio
0.72▼
2024 · 3.30
Debt / equity
1.39▲
2024 · 0.31
ROE
5.8%▼
2024 · 35.5%
ROA
2.4%▼
2024 · 27.1%
Interest coverage
9.13▼
2024 · 22.00
Debt
€111k▲
2024 · €23k
Debt ≤ 1 year
€41k▲
2024 · €23k
Debt > 1 year
€70k
Income taxes
€3k▼
2024 · €11k
Staff costs
€262k▲
2024 · €218k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€99k€191k▲
Fixed assets21/28€6k€157k▲
Tangible fixed assets22/27€490€152k▲
Land and buildings22-€145k
Plant, machinery and equipment23€490€6k▲
Furniture and vehicles24-€886
Financial fixed assets28€5k€5k=
Current assets29/58€93k€34k▼
Stocks and contracts in progress3€16k€5k▼
Stocks30/36€16k€5k▼
Amounts receivable within one year40/41€11k€15k▲
Trade receivables40€770€3k▲
Other amounts receivable41€10k€13k▲
Cash at bank and in hand54/58€60k€9k▼
Deferred charges and accrued income490/1€6k€6k▼
Equity and liabilities
Total equity and liabilities10/49€99k€191k▲
Equity10/15€75k€80k▲
Contributions10/11€13k€13k=
Reserves13€63k€67k▲
Distributable reserves133€63k€67k▲
Amounts payable17/49€23k€111k▲
Amounts payable after more than one year17-€70k
Financial debts170/4-€70k
Amounts payable within one year42/48€23k€41k▲
Current portion of amounts payable after more than one year42-€11k
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€21k€29k▲
Taxes450/3€6k€1k▼
Remuneration and social security454/9€15k€27k▲
Income statement
Code20242025
Remuneration, social security and pensions62€218k€262k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€3k€913▼
Gross operating margin9900€260k€272k▲
Operating profit (loss)9901€39k€9k▼
Financial income75/76B€578€340▼
Recurring financial income75€578€340▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€37k€8k▼
Income taxes67/77€11k€3k▼
Profit (loss) for the period9904€27k€5k▼
Profit (loss) for the period to be appropriated9905€27k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€5k▼
Transfer to equity691/2€27k€5k▼
To other reserves6921€27k€5k▼
The notes to these accounts (7 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
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 3.98
Current ratio from 1.95 to 3.98; short-term debt falls from €44k to €23k.
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
17-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €44k ▲120%
Operating result €59k, net result €44k, both a record.
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-6k ▼116%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 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, Mortsel · 1 establishment unit since 2005
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.
Antwerpsestraat 852640 MortselGround area
1,203 m²
Building footprint
573 m²
Volume, LiDAR
6,989 m³
2 parcels, Flanders · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Monphica
since 20052.149.440.618
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11513C0054/00K006 | Flanders | 1,112 m² | 1 · 483 m² | 15.3 m · 4 fl. |
| 11513C0094/00B003 | Flanders | 91 m² | 1 · 91 m² | 14.8 m · 4 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.
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Of 21,678 companies in sector 96210 we hold annual accounts for 2,807. 1,874 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded01-06-2005
Fiscal year end31-12
Activities, NACEBEL
93021
96021Hairdressing
96210Hairdressing and barber services
93022
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.