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MONT LAIT FLEURI

Active
Private limited company·Vervaardiging van zuivelproducten· 3 yrs active
Mont 24 ·6661 Houffalize, Belgium
KBO/BCE: BE 0800.686.302
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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age3 yrs
Real estate1 parcel · 907 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of MONT LAIT FLEURI is 3.3% (moderate). The 2024 annual accounts show equity of €47k and a net result of €-7k. Its solvency ranks better than 35% of 633 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
3.3% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 31-08-2025 31 d late 2025-00453427

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-7k
Working capital€-73k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 31-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 10, Food manufacturing · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 8.9% 21.2%
better than 35% of 633 sector peers
Net result €-7k €7k
better than 24% of 632 sector peers
Equity €47k €25k
better than 64% of 633 sector peers
Gross operating margin €24k €60k
better than 30% of 631 sector peers
Staff costs €1k €61k
higher than 6% of 426 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€19k
Net profit€-7k
Cash flow€3k
Staff costs€1k
Income taxes-
Dividends-
Total assets€525k
Equity€47k
Debt€478k
of which ≤ 1y€87k
of which > 1y€391k
Working capital€-73k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.16
Quick ratio0.10
Working capital ratio-13.9%
Solvency8.9%
Debt / equity10.21
Long-term debt ratio8.35
Interest coverage1.22
Gross margin-
Net margin-
ROA-1.4%
ROE-15.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€525k
Fixed assets 21/28€511k
Tangible fixed assets 22/27€511k
Current assets 29/58€14k
Stocks & contracts in progress 3€5k
Amounts receivable within one year 40/41€8k
Cash & bank 54/58€489
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€525k
Equity 10/15€47k
Contributions / capital 10/11€54k
Accumulated profits (losses) 14€-7k
Amounts payable 17/49€478k
Amounts payable after one year 17€391k
Amounts payable within one year 42/48€87k
Trade debts payable within one year 44€10k
Income statement
Gross operating margin 9900€24k
Operating result 9901€8k
Financial income 75€6
Financial charges 65€16k
Result before taxes 9903€-7k
Net result for the period 9904€-7k
Result to be appropriated 9905€-7k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
5 / 100 Critical
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
2 companies at this address See who is registered here

Establishment units

1 location
MONT LAIT FLEURI
Mont 24, 6661 HouffalizeVervaardiging van zuivelproducten
since 20232.344.554.039
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area907 m²
Buildings1
Building footprint319 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
82019B1934/00B000 Wallonia 907 m² 1 · 319 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health5Profitability0Solvency6Growth-Stability79
22 / 100

Fragile profile, watch profitability in particular.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 5
Profitability 0
Solvency 6
Growth -
Stability 79

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AI due-diligence brief

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Credit advice

verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 21 of the 271 companies in this sector. 12 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Zuivelfabrieken en kaasmakerijen10510Vervaardiging van zuivelproducten10510Detailhandel in wijnen en geestrijke dranken in gespecialiseerde winkels47251Detailhandel in wijnen en geestrijke dranken47251
Primary activity highlighted.
Names & trade names
Legal nameFR MONT LAIT FLEURI
Registered office
Mont 24
6661 Houffalize, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.