Mont-à-Gourmet
ActiveThe computed 12-month bankruptcy probability of Mont-à-Gourmet is 3.5% (moderate). The 2024 annual accounts show negative equity (€-104k) and a net result of €-36k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 18942 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
15
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency0=
Growth35=
Track record100
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.52 against 0.51 in 2023; short-term debt: 153.4% and cash: 5% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-57.9%
Return on assets
-20.3%
Age of the figures
21 mo
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-104k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-07-2025, 8 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
8 d early
2023
64 d late
2022
179 d late
2021
409 d late
2020
92 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€579k▲ 981%
2020 · €54k
2018: €549k
2020: €54k
2018 → 2021
EBIT margin
0.0%▼ 50.0pp
2020 · 50.0%
2018: 3.4%
2020: 50.0%
2018 → 2021
Net result
€-36k▲ 61.9%
2023 · €-95k
2018: €16k
2019: €12k
2020: €25k
2021: €16k
2022: €2k
2023: €-95k
2018 → 2024
Working capital
€-132k▼ 46.6%
2023 · €-90k
2018: €-77k
2019: €-86k
2020: €-58k
2021: €-34k
2022: €3k
2023: €-90k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€54k-€579k▲ 981%
Equity€-2k-€14k€28k▲ 103%€-67k€-104k▼ 54.1%
Operating result€27k-€137▼ 99.5%€8k▲ 5,433%€-51k€-19k▲ 63.7%
Net result€25k-€16k▼ 33.7%€2k▼ 88.5%€-95k€-36k▲ 61.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €19k in 2024 against €51k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €179k
Fixed assets
€36k▼ 20.6%
Current assets
€143k▲ 50.7%
Key figures and ratios
EBITDA
€-6k▲
2023 · €-35k
Cash flow
€-24k▲
2023 · €-79k
Solvency
-57.9%▼
2023 · -47.9%
Current ratio
0.52▲
2023 · 0.51
Quick ratio
0.36▲
2023 · 0.31
Debt / equity
-2.73▲
2023 · -3.09
ROA
-20.3%▲
2023 · -67.9%
Interest coverage
-0.32▲
2023 · -0.77
Debt
€283k▲
2023 · €208k
Debt ≤ 1 year
€275k▲
2023 · €185k
Debt > 1 year
€8k▼
2023 · €23k
Staff costs
€359k▲
2023 · €331k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€140k€179k▲
Fixed assets21/28€45k€36k▼
Tangible fixed assets22/27€45k€36k▼
Plant, machinery and equipment23€40k€33k▼
Furniture and vehicles24€3k€2k▼
Leasing and similar rights25€1k€580▼
Financial fixed assets28€542€542▼
Current assets29/58€95k€143k▲
Stocks and contracts in progress3€37k€44k▲
Stocks30/36€37k€44k▲
Amounts receivable within one year40/41€36k€90k▲
Trade receivables40-€81k
Other amounts receivable41€36k€9k▼
Cash at bank and in hand54/58€21k€9k▼
Deferred charges and accrued income490/1€667€374▼
Equity and liabilities
Total equity and liabilities10/49€140k€179k▲
Equity10/15€-67k€-104k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€10k€10k=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€-95k€-132k▼
Amounts payable17/49€208k€283k▲
Amounts payable after more than one year17€23k€8k▼
Financial debts170/4€23k€8k▼
Amounts payable within one year42/48€185k€275k▲
Current portion of amounts payable after more than one year42€23k€16k▼
Financial debts43€1k-
Credit institutions430/8€1k-
Trade debts44€110k€183k▲
Suppliers440/4€110k€183k▲
Taxes, remuneration and social security45€51k€27k▼
Taxes450/3€17k€14k▼
Remuneration and social security454/9€34k€13k▼
Other amounts payable47/48-€50k
Income statement
Code20232024
Non-recurring operating income76A-€20k
Remuneration, social security and pensions62€331k€359k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€12k▼
Other operating charges640/8€3k€1k▼
Non-recurring operating charges66A€8k-
Gross operating margin9900€307k€354k▲
Operating profit (loss)9901€-51k€-19k▲
Financial income75/76B€876€2k▲
Recurring financial income75€876€2k▲
Financial charges65/66B€45k€20k▼
Recurring financial charges65€45k€20k▼
Profit (loss) for the period before taxes9903€-95k€-36k▲
Income taxes67/77€1-
Profit (loss) for the period9904€-95k€-36k▲
Profit (loss) for the period to be appropriated9905€-95k€-36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-95k€-132k▼
Profit (loss) brought forward from the previous period14P-€-95k
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
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 64 days late
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 179 days late
2023
31-12
Financial
Weakest financial yearnet €-95k ▼5154%
Net result drops to €-95k, the lowest in the series; recovery starts the following year.
13-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 409 days late
2021
31-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 92 days late
2020
31-12
Financial
Highest result since 2018net €25k ▲113%
Operating result €27k, net result €25k, both a record.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
23-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 266 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 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, Courcelles · 1 establishment unit since 2006
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.
Place Communale(GY) 126181 CourcellesGround area
1,522 m²
Building footprint
544 m²
Volume, LiDAR
5,544 m³
Parcel 52031B1001/00B000, Wallonia · tallest building 17.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MONT-A-GOURMET
since 20062.153.288.944
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52031B1001/00B000indicative ProtectedMonument |
Wallonia | 1,522 m² | 1 · 544 m² | 17.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteCourcelles2.153.288.944
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 9,376 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded18-02-2016
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.