MONS-SYNDIC
ActiveThe computed 12-month bankruptcy probability of MONS-SYNDIC is 2.0% (moderate). The 2025 annual accounts show equity of €61k and a net result of €3k. Equity is growing by ~40.6% per year across the filed fiscal years. Its solvency ranks better than 45% of 4486 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-4
Solvency61▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.08 in 2024; short-term debt: 63.7% and cash: 78.6% of total assets), and 63.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
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
36.3%
Return on assets
1.9%
Age of the figures
9 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 31-08-2026, 31 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
7 d early
2023
23 d early
2022
28 d late
2021
32 d early
2020
20 d late
2019
23 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€61k▲ 5.5%
2024 · €58k
2019: €10k
2020: €13k
2021: €21k
2022: €36k
2023: €51k
2024: €58k
2019 → 2025
Total assets
€169k▲ 1.6%
2024 · €167k
2019: €181k
2020: €171k
2021: €158k
2022: €157k
2023: €160k
2024: €167k
2019 → 2025
Net result
€3k▼ 58.5%
2024 · €8k
2019: €4k
2020: €3k
2021: €8k
2022: €15k
2023: €2k
2024: €8k
2019 → 2025
Working capital
€33k▲ 290%
2024 · €9k
2019: €-132k
2020: €-112k
2021: €-58k
2022: €-38k
2023: €-13k
2024: €9k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€36k▲ 71.4%€51k▲ 40.6%€58k▲ 15.2%€61k▲ 5.5%
Operating result€14k-€20k▲ 42.9%€6k▼ 69.2%€12k▲ 87.8%€6k▼ 46.4%
Net result€8k-€15k▲ 86.7%€2k▼ 85.3%€8k▲ 250%€3k▼ 58.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 46% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €169k
Fixed assets
€28k▼ 43.1%
Current assets
€141k▲ 20.8%
Equity and liabilities €169k
Equity
€61k▲ 5.5%
Debt
€108k▼ 0.5%
The debt ratio falls from 65.1% to 63.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€29k▼
2024 · €37k
Cash flow
€26k▼
2024 · €33k
Solvency
36.3%▲
2024 · 34.9%
Current ratio
1.31▲
2024 · 1.08
Quick ratio
1.31▲
2024 · 1.08
Debt / equity
1.76▼
2024 · 1.86
ROE
5.2%▼
2024 · 13.2%
ROA
1.9%▼
2024 · 4.6%
Interest coverage
60.79▼
2024 · 72.59
Debt
€108k▼
2024 · €108k
Debt ≤ 1 year
€108k▼
2024 · €108k
Income taxes
€3k▼
2024 · €3k
Staff costs
€120k▼
2024 · €133k
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€167k€169k▲
Formation expenses20€476€22▼
Fixed assets21/28€49k€28k▼
Intangible fixed assets21€38k€19k▼
Tangible fixed assets22/27€12k€9k▼
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24€10k€8k▼
Other tangible fixed assets26€0-
Financial fixed assets28€150€150=
Current assets29/58€117k€141k▲
Amounts receivable within one year40/41€4k€7k▲
Trade receivables40€907€7k▲
Other amounts receivable41€4k-
Cash at bank and in hand54/58€112k€133k▲
Deferred charges and accrued income490/1€951€1k▲
Equity and liabilities
Total equity and liabilities10/49€167k€169k▲
Equity10/15€58k€61k▲
Contributions10/11€19k€19k=
Reserves13€200€200=
Non-distributable reserves130/1€200€200=
Reserves not available under the articles1311€200€200=
Profit (loss) carried forward14€39k€43k▲
Amounts payable17/49€108k€108k▼
Amounts payable within one year42/48€108k€108k▼
Financial debts43€2k-
Credit institutions430/8€2k-
Trade debts44€184€10k▲
Suppliers440/4€184€10k▲
Taxes, remuneration and social security45€23k€14k▼
Taxes450/3€4k€3k▼
Remuneration and social security454/9€19k€11k▼
Other amounts payable47/48€84k€84k▲
Income statement
Code20242025
Remuneration, social security and pensions62€133k€120k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€23k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€172k€151k▼
Operating profit (loss)9901€12k€6k▼
Financial income75/76B€2€2▼
Recurring financial income75€2€2▼
Financial charges65/66B€504€479▼
Recurring financial charges65€504€479▼
Profit (loss) for the period before taxes9903€11k€6k▼
Income taxes67/77€3k€3k▼
Profit (loss) for the period9904€8k€3k▼
Profit (loss) for the period to be appropriated9905€8k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€43k▲
Profit (loss) brought forward from the previous period14P€32k€39k▲
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €2k ▼85.3%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Highest result since 2019net €15k ▲86.7%
Operating result €20k, net result €15k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Mons · 1 establishment unit since 2018
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.
Résidence du Rieu 487030 MonsGround area
1,718 m²
Building footprint
245 m²
Volume, LiDAR
1,092 m³
Parcel 53071B0412/00K006, Wallonia · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MONS-SYNDIC
since 20182.283.111.962
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53071B0412/00K006 | Wallonia | 1,718 m² | 1 · 245 m² | 6.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
IMMO-WILLEMS
BE 0450.372.483
Lievegem · Eq €62k
IMS ENERGIE
BE 0790.861.388
Namur · Eq €60k
HOME CLEAN SOLUTIONS
BE 0437.066.558
Ieper · Eq €63k
VH & G
BE 0479.210.880
Zele · Eq €60k
Jerco. La terre est bleue comme une orange
BE 0445.963.042
Ukkel · Eq €64k
Of 1,280 companies in sector 81100 we hold annual accounts for 677. 398 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2018
Fiscal year end31-12
Activities, NACEBEL
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.